We Do the Legwork When it Comes to Disability Insurance

Life happens. As a physician, what would you and your family do if you couldn’t work for an extended period of time because of an illness or injury? Your mortgage and bills? Your savings? Your lifestyle? It’s the “what if” scenarios that lead us to recommend disability insurance, particularly for physicians..

If you’re looking for different disability insurance alternatives and trying to balance cost and value, you’ve come to the right place. We’re here to make sure you have access to only the BEST insurance companies for physicians.

When it comes to disability insurance, there’s a lot to consider.

We know you may have questions about the best time to buy, which riders you need, how much insurance you need, whether you need a supplemental policy if your residency already provides one, or how different policies work together — and we will help navigate you through all those details.

We do the research for you so you can focus on what you do best: diagnosing illnesses and saving lives.

Think of us as your personal disability insurance shoppers, pulling together multiple options to help you protect your income at the lowest price possible. And, as we are not tied to any particular insurance product or carrier, we stay unbiased in our approach.

Did we mention we provide discounts? Because so many physicians use us for disability insurance planning, we have access to discounts at most medical institutions across the U.S.

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doctors life podcast

The Doctor’s Life Podcast Episode 040- Should You Get Disability Insurance Without an Exam?

Do you need the disability insurance exam?

You have options when it comes to disability insurance. One of those is if you should take the disability insurance exam or not. What is actually in that medical exam and does it matter?

Justin Nabity is back in The Doctor’s Life Podcast studio to answer these questions. All episodes of The Doctor’s Life Podcast are available here, iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast. Continue reading…


What Is Disability Insurance?

So what is disability insurance?

I’ve been in the financial services industry for a little over 10 years working with clients helping them be successful now as well as plan for their future. Over this time, I’ve made a few observations. One common observation is that while we each have our own unique and personal goals and things that are important to us, generally speaking, we all tend to want the same things. Whether it’s the desire to pay off debt so that you have more money to put towards your actual goals, or wanting to be able to travel regularly, we all want to be able to afford things that will allow us to create memories and have meaningful experiences with family and friends. Whatever’s included in this list for you, usually all of these things, in some form or fashion, take money to accomplish.

We give presentations across the country to doctors in training and physicians in practice with the intention of educating physicians in areas that you really don’t get much time to focus on. Most of the time, at the end of our presentations, the questions range from student loan repayment options, ways to reduce taxes, job search, and questions about investing. Accomplishing these things of course are all predicated on the assumption that you will continue earning an income to fund these things.

As a physician, your biggest financial asset, the most important thing you have as far as a financial resource goes, is your earnings potential. Another way to put this is that the basis for all you want to accomplish, any goal you have now or in the future, almost always assumes you have income. You’ve spent countless hours crafting your career and preparing to transition into practice. What if, your income stopped, or was reduced due to illness or injury? How would you handle that? Continue reading…


disability insurance claim form

Disability Insurance With an Exam…or Without?

Is it better to get disability insurance with OR without a medical exam?

This topic comes up all of the time when doctors are considering… the question of, what is the best way to get disability insurance. Does it really matter? Does it affect the cost? How about what is included in the plan? Is there any difference?

First let’s discuss what is a medical exam in this setting? Just as with any individually owned insurance, in most cases you have to meet with a nurse where they get your physical measurements, ask your health history questions and usually get a blood and urine sample. A simple physical is really all it is. Insurance companies require this because they are trying to get an idea how they should rate you? Either at the best rates or somewhere down the list.

What are they evaluating in the samples? Continue reading…


doctors life podcast

The Doctor’s Life Podcast Episode 037- Do You Need Disability Insurance?

So do you need disability insurance? As many doctors move from in-training to practicing right now, there is a (very!) significant jump in salary. You’ve heard all about disability insurance. You’ve probably wondered ‘Do you need disability insurance?’.

Dave Swan is back on The Doctor’s Life Podcast to tell you what you need to know about disability insurance and if you may need it. All episodes of The Doctor’s Life Podcast are available here, iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast. Continue reading…


doctors life podcast

The Doctor’s Life Podcast Episode 030- Group Disability Insurance

You have probably been offered group disability insurance through an employer at some point in your career. There is a lot to think about with group disability insurance. Many of the factors are negative and do not benefit you at all.

With it being disability insurance season, Justin Nabity is back on The Doctor’s Life Podcast to run through the idea of group disability insurance. All episodes of The Doctor’s Life Podcast are available here, iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast. Continue reading…