There are big changes progressively taking place in the individual life insurance market. It was only about 10 years ago when all applicants had to undergo a medical exam when applying for a life insurance policy. This meant setting aside 20-30 minutes for a stranger…
Reservists who require an income to achieve their financial goals have the same need for disability insurance until retirement. All reservists can apply for an own occupation individual disability insurance policy from the “Big 6” physician disability insurance companies… Read the rest of the post…
“Disability insurance is the most difficult type of insurance to secure but something all physicians should establish. Approximately 40% of all disability insurance applications result in either a declination or a policy modification… Read the rest of the post at https://www.whitecoatinvestor.com/guaranteed-standard-issue-disability-insurance/ To learn more and…
Principal is currently the only carrier offering gender neutral / unisex discounted rates for physician disability insurance at many institutions/hospitals. For females, this represents a significant (40%) discount. As of January 1 2021, this discount will change to a gender-specific one. As of now there…
Earlier this summer, MassMutual started allowing the use of the federal employee discount for military physicians and dentists. The discount is 25% off the gender distinct rates. The discount is permanent and also applies to future increases with the future insurability option (FIO) rider or…
Learn about how COVID-19 is affecting the insurance marketplace, and what you should know about disability insurance to protect your livelihood. Our article can be found on page 40 in the e-magazine issue at the following link. https://www.finance-monthly.com/issues/2020/06/ You can also view our article in…
Most disability insurance companies have monthly benefit limits of $20,000. To establish more coverage than that, you would have to establish a second policy from another disability insurance company. Now, through the end of 2020, Principal, one of the leading providers of DI for physicians,…
Chances are you have received mailings from DisabilityPro. DisabilityPro is a marketing name for the AMA sponsored group disability insurance policy underwritten by New York Life Insurance Company. The initial rates are attractive, but do you know the terms of coverage? Contact us today to learn more…
Following their update last year for “6M” medical occupations, Ameritas has increased the monthly benefit limits for “4M and “5M” medical occupation classes. Contact us today to take advantage of these higher benefit limits. We have never had a disabled client say that they receive…
Legal & General (aka Banner Life) just become the first insurance company to release a 35 and 40 year guaranteed level premium term life insurance product. This is a valuable option due to the following facts: 1. Americans are living and working longer •Americans are…
We are unbiased independent insurance agents advocating in the best interests of our clients. While most agents are generally selling insurance for one insurance company, we feel it is our duty to our client to do a full review of their needs before going out into the marketplace to find which product fits their personal needs. Given that disability insurance is the hardest type of insurance to obtain, we negotiate with the insurance companies on your behalf to help you receive the best coverage possible in a timely manner. If you would like to receive a quote you can request one on our site, or if you would like to set up an appointment feel free to contact us to set up a conference call or to meet personally.
Odds are likely that you are healthier today than you will be in 10 years.
Lock in your health status for lower premiums by contacting us today!
Physician Disability
Insurance Experts • 15-40% discounted premiums • Guaranteed approval programs
for residents / fellows
at select institutions • 5 minute disability and term life
insurance guides • Group and association disability
plan comparisons
