Consider Term Life Insurance, Too
We understand your primary motivation to obtain physician disability insurance is most likely to protect your loved ones. We also understand you want to care for your loved ones even after your passing. You may think of us for disability insurance, but we also have extensive experience with term life insurance. Here’s a quick overview […]
Video Tip: Is Your Physician Disability Benefit Taxable?
You may or may not have to pay taxes on the benefits you collects from a disability claim. It depends on how your physician disability insurance premiums are paid. This 3-minute video explains this in more detail, and shares if your premiums are deductible. Video: Is Your Physician Disability Insurance Benefit Taxable? This thorough blog […]
Why Your Birthday May Be the Perfect Motivator
Most of the uninsured doctors I talk with really want to get disability insurance, but they struggle to find a few minutes to fill out the application. Sure, they understand the importance of getting a good policy before something happens to their health in order to protect their families financially. Still, they get busy and […]
Act Fast – High Disability Benefit Opportunity Ending Soon!
Back in May I shared that the disability provider with the highest limits will no longer be offering their products directly to physicians after September 1st. This deadline is rapidly approaching, so upper income physicians who are interested in getting a high $35,000 monthly income benefit from their disability insurance policy need to act now. […]
Want a Free Quote and No Sales Pitch?
We all like free stuff. But if we have to provide our contact information… well, forget it. We think sales calls are certain to follow, and it just isn’t worth the hassle. I offer free quotes for physician disability insurance, but I have no interest in making sales pitches. I’m not good at them anyway. […]
Benefit Tip: Guarantee Your Insurability with the Future Increase Rider
As you age, your physician disability insurance policy may not allow you to increase your coverage, or it may exclude certain conditions from coverage. However, if you have a Future Increase Option in your policy, you may not have to worry about these restrictions. We have a short, 2-minute video that explains this benefit: How […]
Went Fishing and Got Hooked!
Last week my family and I were on vacation in Key Largo and it was the first time we spent any real amount of time fishing. Now, I am not talking all day, but in the evenings we would go out to the pier the condo had, bait up some hooks with shrimp, and then […]
Time for a Semi-Annual Check Up
Can you believe it? It seems like just yesterday we were watching the ball drop on New Year’s Eve and now Independence Day has already come and gone. Being that we are half way through 2016, have you had your disability insurance policy reviewed recently? In most cases, this review does not mean you need […]
Benefit Tip: The Good Health Benefit on Your Physician Disability Insurance
A number of auto insurance companies will reward their customers’ safe driving behaviors by providing a premium reduction or perhaps an added benefit to their policy. Likewise with disability insurance, Ameritas has a built-in provision called the Good Health Benefit. How It Works For every consecutive policy year you complete without receiving any benefits under […]
The AMA Physician Disability Policy—Is it Good Enough?
A rheumatologist told me this week that his AMA disability policy is a good plan because it covers a large group of physicians and the AMA used all that buying power to get the doctors a very good deal. Though he was content with the AMA plan, he asked me to take his policy certificate […]
“I Hope My Agent Sold Me Disability Insurance!”
I received an email this morning from the wife of a surgeon whom I spoke with years ago. She was hoping her husband had some physician disability insurance with me – some insurance they could use now because he is becoming disabled. She didn’t tell me the details of his disability, but it is too […]
Wishing You a Safe 4th of July! (Because We Just Looked at the Stats)
July 4, 2016 represents 240 years since our great nation was born! Our history is that of farmers, explorers and ship builders that led us to now be – arguably – the economically rich and powerful country in the world. As independence is celebrated this weekend many of us will go watch fireworks, have picnic […]