The Responsible Resident with Amber Stitt

The Responsible Resident Podcast is a short-form educational series designed for medical students, residents, and fellows who want clarity around financial decisions during training—without pressure, sales, or noise.

Hosted by Amber Stitt, co-owner of MD Disability Quotes and a 15-year specialist in physician income protection, this podcast is built from more than 45 years of combined experience alongside her business partner, Scott Nelson-Archer—together the longest-tenured disability insurance experts featured by White Coat Investor.

These episodes are curated from real client stories, underwriting casework, and decades of physician disability insurance planning—giving listeners direct insight into the questions, mistakes, and decision points physicians face as they move through training and into practice.

The focus is simple: helping physicians understand what matters most during training—timing, underwriting, contract design, and protecting future earning power.

Many physicians assume these financial decisions can wait. What this series explains—clearly and practically—is that health history, underwriting, and timing can shape your options more than most realize. The flexibility available during training can create stronger opportunities, but those windows do not stay open forever.

The goal is not rushed action. The goal is informed action—so when clarity arrives, you can move with confidence while your options are still at their strongest.

If you’re in training and want to understand your options before life, health, or career changes shape them for you, this podcast is for you.

For the numbers behind the episodes, see the resident and fellow benefit limits, with answers to the questions residents ask most, and our article on the importance of disability insurance for residents.

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Browse Episodes

How much life insurance do physicians need, and how should coverage evolve throughout their medical careers? In this episode of The Responsible Resident, Amber Stitt shares an eight-step physician life insurance checklist covering coverage amounts, term versus permanent insurance, underwriting, beneficiaries, and financial planning strategies to help protect your family and build long-term financial security.
Do high-net-worth physicians still need life insurance after income replacement is no longer the primary concern? In this episode of The Responsible Resident, Amber Stitt explores how life insurance may evolve to address estate liquidity, business succession, asset preservation, wealth transfer, and legacy planning as a physician’s wealth grows.
When should physicians review their life insurance, and does the coverage you purchased earlier in your career still fit the life you’re building today? In this episode of The Responsible Resident, Amber Stitt explains how changes in career, income, family, business ownership, assets, and financial responsibilities can signal that it’s time to revisit your life insurance strategy.
What are the most common life insurance mistakes physicians make, and how can you avoid them? In this episode of The Responsible Resident, Amber Stitt explores six common mistakes, from choosing coverage based on price alone to relying on employer-provided life insurance, and explains how physicians can build a life insurance strategy that evolves with their careers, families, and financial goals.
Is your employer-provided life insurance enough to protect your family? In this episode of The Responsible Resident, Amber Stitt explains what physicians need to know about group versus individual life insurance, coverage gaps, portability, and beneficiary designations as they navigate residency, fellowship, and career transitions.
How do you choose the right life insurance beneficiary and make sure your family is protected? Learn the difference between primary and contingent beneficiaries, how trusts and estate planning fit into your decisions, and when to update your beneficiary designations as your life changes.
Can non-U.S. citizen physicians get life insurance while living and working in the United States? Learn how citizenship, visa or residency status, U.S. ties, international travel, and carrier-specific eligibility guidelines can affect life insurance options for international and foreign national physicians.
Can physicians trust AI when researching life insurance companies, policies, and online quotes? AI can make life insurance easier to understand, but knowing the source, date, and context behind the information is critical before treating an AI-generated answer as an individualized insurance recommendation.

More Episodes

In this final episode of our five-part series, Scott Nelson-Archer joins us to delve into the importance of community. Recognizing the challenges faced by businesses and individuals during the pandemic, we explore how a community can provide support and connection in times of uncertainty.
In this episode, we dive deep into the world of marketing technology and the importance of balancing it with human connection. Our special guest, Scott Nelson-Archer, brings his expertise to the table, providing valuable insights and tips for navigating this ever-evolving landscape.
Scott shares his experience receiving an email from an insurance company informing him about a client who unfortunately had passed away. This episode discusses how Scott took immediate action to help the spouse, ensuring that the premiums cease and the family receives a refund from the date of death.
In this episode, I asked Scott for his insight on how he has dealt with the challenges of prioritizing family and business obligations while striving for financial success. Scott shares his experiences and perspectives on the delicate balance between personal and professional commitments.
In this episode, Scott Nelson-Archer shares the stories behind his journey into the business world, particularly in the disability insurance industry. Following his recovery from his own disability, Scott discovered his natural aptitude for the insurance industry.

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The Responsible Resident podcast with Amber Stitt – Empowering Financial Planning Podcast for Physicians
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