When looking to obtain disability insurance, it is imperative that a physician seeks an independent agent that represents multiple carriers and specializes in disability insurance. Disability insurance is unlike life insurance in that the policies are more complex and vary with each carrier. Achieving the optimal outcome of obtaining a policy that is both cost-effective and comprehensive requires an experienced agent that understands how to protect each medical specialty and knows how to design a policy that fits the unique needs of physicians.
Independent disability insurance specialists will also have access to discount programs and have experience with settling disability claims with each disability insurance carrier.