The PIU Communicator Library
The Failure to Survive Product Line - 08/17/2022
Key Person FTS Failure to Survive insurance is a simplified-issue business-focused term product requiring no exams or labs that can be underwritten and issued in a matter of days. With liberal underwriting standards and unique flexibility, the Key Person FTS coverage provides a flat key person benefit, and can accommodate impaired-risk cases that would typically […]
Business Loan Failure to Survive – Case Studies - 07/25/2022
Individuals looking to close on SBA and other business loans know how slow and painful it can be waiting for full underwriting for life insurance to satisfy lender requirements. For those individuals that don’t qualify for accelerated or simplified underwriting domestically, we have a solution. Failure to Survive policies can be approved and put in […]
Marijuana Business Term Insurances - 04/18/2022
The American cannabis industry continues to expand and evolve throughout much of the country as many state-level governments have embraced the idea that the financial gains generated by legal cannabis businesses outweigh the moral and social risks involved with the intoxicant and the culture and crime commonly associated with it. The industry is expected to […]
Risk Spotlight – Real Life Case - 11/29/2021
A woman was in the middle of a contemptuous divorce, and was needing to secure $3,000,000 of term insurance on the life of her ex-spouse to satisfy the couple’s divorce decree. Although the insurance policy was court ordered, she struggled to find a carrier willing to insure her 53-year-old ex-husband because of his documented past […]
SBA Loan Solutions - 06/21/2021
Since 1953, the Small Business Administration, a federal government agency, has sponsored capital lending programs for small business owners and entrepreneurs, becoming a cornerstone of financial support of the American business world. The SBA partners with various categories of lending institutions including public and private banks and credit unions to offer financing in the form […]
Cannabis Business Insurance Solutions - 02/08/2021
2020 proved to be another year of growth and evolution of the cannabis industry in the United States. Arizona and Mississippi were added to the growing list of states in which the use of marijuana became legal. Also several states such as New Jersey, Montana and South Dakota broke new ground with legislation passing in […]