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Petersen Disability Insurance - PIU


Disability insurance plans from Petersen International Underwriters (PIU) are generally specialty insurance plans. Some of the plans are applicable only to those who do not get a regular disability insurance from a domestic insurance company or can not get enough. Petersen disability insurance plans are divided into major categories such as sports disability, professional disability and other disability situations.

Not available in - MT, RI, WY


Personal Disability
Personal Disability Insurance
Personal Disability Insurance is designed to replace a portion of your lost income. If you are unable to perform substantial and material duties of your occupation due to an injury or sickness.

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Dentist Disability Insurance
When starting a practice, a dentist normally has thousands of dollars of student loans to repay while starting a new business. Lenders' normally require the dentist to purchase a disability insurance policy which indemnify to make the loan payments if he or she were to become disabled.

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Entertainment Disability Insurance
For those working within the movie, television and music industries who become disabled.

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Executive 400 Disability
In order to insure a Highly-compensated individual at 65% of income, multiple disability income policies are often required in order to provide sufficient protection. The Executive 400 plan can supplement your existing disability coverage or provide the entire 65% benefit if you are unable to obtain any underlying insurance.

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Loss of Future Earnings Disability Insurance
Covers accidents and sicknesses that happen worldwide. The amount of coverage is based on your income today. This plan will provide coverage for the future lifestyle you have worked so hard for, if you were to become disabled.

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Pilot's Disability (Loss of License)
Professional pilots must meet minimum health requirements in order to maintain their pilot license. In some cases a pilot may lose his/her license even if they are not disabled. This plan has been created to use the licensing authority required by the pilot's employer which guarantees that if the individual is grounded due to a loss of license from their licensing authority, they will able to collect a benefit regardless if they are able to meet the minimum standards from other licensing authorities.

Details

Pension Completion Disability Insurance
This plan will pay to the insured person the equivalent balance of contributions anticipated by the participant in a retirement plan if they were to become disabled.

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Physicians and Surgeons Disability Insurance
When an individual is so highly trained, they are required to perform at the highest level of quality on a daily basis. With so much at risk, it is important to find protection against disablement. This plan has been tailored to properly insure against the perils of disability and the premature termination of a successful career.

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Professional Disability Insurance
Provides income replacement in the event you were to become disabled.

Includes
  • Blue and Gray Collar Professions
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    Disability Insurance Solutions Plan – Designed specifically for blue and gray collar clients, this plan comes with many benefits already included such as recurrent disabilities, transplants benefits, presumptive benefits and waiver of premium. With limits of $100,000 per month or more and participation limits up to 75% for personal disability and 100% for business uses, you will be able to properly protect your income.


  • Legal Profession Disability Insurance Plan
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    Attorneys, Judges and other legal professionals often have incomes that exceed the limits of the traditional insurance markets. This plan provides primary, supplemental, special risk, domestic, or international coverage which was developed to help you secure sufficient coverage in case you were to become disabled.


  • Brokers & Traders Disability Plan
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    For highly compensated employees such as Commodity Brokers and Stock Traders, sufficient amounts of disability insurance can be difficult to obtain from traditional carriers. This plan was designed to provide men and women with the income replacement coverage they require. With monthly benefits available up to $100,000 or more and lump sum benefits up to $50 million or more, the incomes of Stock Brokers and Commodity Traders are easy for us to insure.


  • Chiropractor Disability Insurance Plan
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    This plan allows Chiropractors to continue living comfortably in case a disability leaves them unable to work.

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To age 65 Disability Insurance
Provides income for the insured to age 65. If you are totally disabled for a period longer than 120 months, the policy will pay the remaining monthly benefits to age 65 as a lump sum without any additional definition restrictions.

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Top Hat Program
An automatic issue policy which provides up to an additional $10,000 of coverage without underwriting. Persons issued a standard, fully underwritten non-cancellable policy within the past 90 days are eligible to enroll.

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Simplified Issue
Is designed to offer a low-cost disability insurance option. Since the policy is not underwritten, premiums are discounted and fees associated with underwriting expenses are reduced.

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Star Cover
Entertainers have historically been too risky for traditional carriers to insure due to a variety of factors such as the many months of unemployment between jobs, or the royalty income that would inevitably continue even if a client were to become disabled. The StarCover Disability Insurance Plan has been customized to meet the unique needs demanded by high profile clientele and those working within the movie, television, and music industries.

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Business Disability

Stock Option Disability Insurance
Designed for executives of publicly traded companies. Many of the top executives are compensated via a number of different sources including salary, bonuses, and stock options. If the insured were to become disabled their annual stock options will no longer be awarded to them. This plan pays a lump sum benefit of up to five times the last three years annual average stock option awards if you were to become disabled.

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Buy In Disability Insurance
For a young professional or key employee buying into ownership. This plan will supplement your income if you or the established owner were to become disabled during the Buy In.

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Business Overhead Insurance
Prevents the severe financial hardship of your business, by providing coverage in the event you were to become disabled. This coverage provides vital reimbursement for the monthly liabilities for which an owner is responsible for such as rent, electricity, telephone, heating, property, and mal practice insurance in case of the owners' total or partial disablement.

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Buy Sell Disability Insurance
For any company, the sudden disability of a partner can be more detrimental than a sudden death. In some cases, the disabled partner continues to earn a salary, but does not contribute positively to the company. Buy Sell disability insurance is designed to mirror the requirements of the buy sell agreement.

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Buy Sell PLUS Disability
In the months preceding a disability buy-sell, a financial drain can occur on an organization while the disabled principal is unable to work. This plan provides security with a monthly cash flow delivered to the firm, which can be used to assist the firm with their cash flow.

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Contract Guarantee Disability Insurance
Signing a contract obligates both parties to stand by their initial agreement. Unfortunately, unforeseen circumstances can inhibit people and companies from carrying out the terms of their contract. Whether this contract is between a company and employee, business partners, or divorced couples, almost all contractual relationships can be considered under this plan.

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Key Person Disability Insurance
Key Person Disability Insurance provides protection against the loss of cash flow and the usual increase in cost when a key employee becomes disabled.

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Multi-Life (Group) Disability Insurance
Guaranteed Issue Excess Disability- There are a great deal of highly compensated employees who have been denied the ability to secure adequate and reasonable amounts of income replacement in the event they become disabled. This plan can provide supplemental coverage for the entire business firm.

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Salary Continuation Disability Insurance
In the event an employee becomes disabled and can no longer work, the employer will continue paying his or her salary for a specific period of time. Without a plan in place any payments made to a disabled employee may be deemed a dividend from the employer, creating a significant tax consequences. This insurance protects the disabled employee by insuring he or she will receive their promised income in addition to protecting the employer from taking a significant financial loss.

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Severance Agreement Disability Insurance
When the termination of an employee places a benefits liability on the employer. Severance Agreement coverage allows the severed employee to be insured during the period of unemployment which relieves the employer of the financial liability created by such an arrangement.

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Athlete Disability

Draft Protection Insurance
Disability Insurance for a student athlete with professional potential to protect against his/her Loss of Future Earnings as a professional athlete due to a permanent total disablement that may occur prior to signing a professional contract.

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Racercover High Limit Disability Insurance
This plan provides a monthly cash benefit in the event of a disability which was a result of an accidental bodily injury on or off the track or a sickness causing an inability to participate in your sport.

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Links Disability Insurance (Golfers)
This plan provides disability coverage to protect an income during periods of temporary disabilities or in the case of a career-ending disability which was a result of an accidental bodily injury on or off the course.

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Pro Jockey Disability Insurance
In the event of a career-ending disability, this plan is designed to replace the loss of future income by providing a lump sum benefit when an accidental bodily injury (on or off the field) or sickness gives rise to your total physical inability to participate in your occupation.

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Graded Benefit Disability Insurance
Protects personal income at 65%, up to $20,000 per month. Conditions which are graded are covered at a level benefit of either 80%, 65% or 50% of the monthly benefit amount.

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