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.

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Browse Episodes

Do High-Net-Worth Physicians Still Need Life Insurance?

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.

Amber Stitt

When Should Physicians Review Their Life Insurance?

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.

Amber Stitt

6 Common Life Insurance Mistakes Physicians Make

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.

Amber Stitt

Is Life Insurance Through Work Enough for Physicians?

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.

Amber Stitt

How Do You Choose a Life Insurance Beneficiary?

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.

Amber Stitt

Can Non-U.S. Citizen Physicians Get Life Insurance?

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.

Amber Stitt

Can Physicians Trust AI When Researching Life Insurance?

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.

Amber Stitt

How Does Life Insurance Underwriting Work for Physicians?

Life insurance underwriting can feel complicated, even for physicians who are familiar with medical records and risk assessment. In this episode, learn what life insurance underwriters evaluate, how medical history and pending testing can affect the process, and why different insurance carriers may reach different decisions about the same applicant.