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Individual Disability Insurance
You have worked incredibly hard to get where you are today, and your interest in protecting what you have achieved shows how much you recognize that. Your ability to earn an income is critical to you and your family’s well being. Don’t let a temporary or long term disability diminish what you’ve accomplished, or interfere with the life you want to live. A comprehensive individual disability policy, tailored to your needs, will safeguard your ability to earn a living if you do encounter an illness or injury that prevents you from practicing your chosen profession.
Why Physicians Need It:
High income potential deserves proper protection, even in double-income households.
Many physicians are independent contractors, with no access to group disability benefits.
Even if you are eligible, group coverage is never good enough! An individual policy is more comprehensive, more accessible, and moves with you throughout your career.
Student loans and all the financial obligations of being a physician won’t cease during a disability.
Foundational Features:
True Own-Occupation Definition – Ensures coverage even if the physician can work in another field but not in their specialty.
Partial Disability Benefits – Provides partial benefits if the physician can still work some, but experiences a loss of income due to disability.
Future Purchase Option – Allows an increase in coverage as income rises, without new medical underwriting.
Non-Cancelable & Guaranteed Renewable – Ensures premiums and coverage cannot be changed by the insurer.
Our Trusted Disability Insurance Partners
We are excited to bring you coverage from these trusted partners:
Term Life Insurance
You have worked incredibly hard to get where you are today, and your interest in protecting what you have achieved shows how much you recognize that. Your ability to earn an income is critical to you and your family’s well being. Don’t let a temporary or long term disability diminish what you’ve accomplished, or interfere with the life you want to live. A comprehensive individual disability policy, tailored to your needs, will safeguard your ability to earn a living if you do encounter an illness or injury that prevents you from practicing your chosen profession.
Why Physicians Need It:
Income Protection for Family – Ensures financial stability for a spouse, children, or dependents.
Debt Coverage – Private loans and other debts may not be forgiven upon death. Most, but not all, student loans are forgiven if the borrower passes away.
Estate Planning – Provides liquidity to cover estate taxes or other final expenses.
Foundational Features:
Affordable Coverage – Term life is much cheaper than whole life insurance, making it cost-effective for physicians, especially early in their careers.
Fixed Premiums – The cost won’t change for the selected term.
High Coverage Amounts – Policies can provide substantial death benefits to replace lost income and cover major financial obligations.
Convertibility – Some policies allow conversion to a permanent life insurance policy as the term ends.