Attending Physicians

Protecting Your Future Income
Working with an experienced financial professional you can trust is critical. We provide physicians with the objective information, resources and personalized support needed to make informed and prudent decisions when buying disability insurance. This allows you to obtain the appropriate disability insurance policy for your situation and medical specialty, at the best price.
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Use the form below to recieve your personalized quote.
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Disability Insurance – Simplified
1 Request Your Quotes
Disability insurance benefits and pricing are effected by several factors including age, gender, medical specialty and income. Completing our Quote Request form gives us the details needed to provide you with personalized information and quotes to review. We do not sell or share your information.
2 We Help You Compare Options
3 Apply With Confidence and Realistic Expectations
Applying for disability insurance is simple, but the underwriting process is rarely that and not everyone qualifies for a perfect policy. We believe it is important to discuss all variables ahead of applying to help ensure the smoothest process possible, avoid surprises and allow physicians to apply with realistic expectations.
Important Features
Benefit Period Payable to Age 65
The benefit period is the longest period of time benefits will be paid for a continuous disability, and should be “to age 65”. Longer benefit periods exist, but may not be best for those who are price sensitive.
Non-Cancelable & Guaranteed Renewable
The insurance company cannot cancel your policy, increase your premiums or change your policy provisions until policy expiry, except for nonpayment of premiums.
True Own-Occupation Definition of Total Disability
When an injury or sickness prevents you from performing the material and substantial duties of your occupation, even if you are gainfully employed in another occupation.
Partial / Residual Disability Benefits
When an injury or sickness causes you to experience a 15% (20% with some companies) or greater loss of income while you are still working in your occupation.
Benefit Increase Options
An optional rider that allows the insured to increase their monthly benefit as their income increases, without being required to disclose updated health information to the insurance company.
Cost of Living Adjustments
An optional rider that adjusts your monthly benefit throughout a long-term disability claim to help keep pace with inflation. This rider is generally recommended for young professionals.