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When is the best time to purchase a disability insurance policy?

Premium and policy eligibility are based on age and current health status. Therefore, the best time to purchase a disability insurance policy is when you are young and healthy and while discounts are still available with residency or fellowship status. Additionally, many insurance carriers will restrict the amount of coverage you are eligible for if you have an employer-sponsored plan.

Which disability insurance carriers to do you work with?

Physician Advisors only offers what we view as the strongest and most comprehensive physician-specific plans from the leading disability insurance carriers. We work with Ameritas, Guardian, Metlife, Principal, MassMutual and The Standard.

Which life insurance companies do you work with?

As with disability insurance, we work with multiple life insurance companies and screen them based on financial strength ratings and policy features. These companies include New York Life, John Hancock, Minnesota Life, Prudential, Lincoln Financial, Metlife, Nationwide, Principal and many others.