INSURANCE
For Doctors
Clear and simple — disability, life, business and malpractice insurance for everyone, ready-made for physicians, dentists and veterinarians.
Protection With Doctors In Mind
Disability, life, malpractice and business insurance are cornerstones when it comes to doctors and their personal and professional portfolio of coverage.
Enjoy a new approach to educating physicians, dentists and veterinarians in the world of policy. No insurance-jargon filled sales pitch – just an experience-based conversation to help you understand what you need, and what you don’t.
Understand what you need as a student, trainee or as a practicing doctor; if and how your current group policy can be improved upon; and ensure protection of your most important assets.
- Specialized Pricing For Doctors
- Competitive Quotes From Top Carriers
- Simplified Underwriting
Speak With An Expert
Resources
How Whole Life Insurance Can Support Doctors’ Financial Goals
Guest Post – by Shawn M Johnson, ChFC®, CLU®, CLTC – Vice President of Business Development at Treloar & Heisel, our insurance partner Becoming a...
4 Steps To Obtaining Disability Insurance For Doctors
Guest Post – By Jamie L. Fehrs, MBA, ChFC® – Manager, Financial Services Associate at Treloar & Heisel, our insurance partner How hard is it...
3 Types Of Insurance To Upgrade As Income Increases
Guest Post – In collaboration with Lori Baker at Treloar & Heisel, our insurance partner It’s no secret that doctors—whether physicians, dentists or veterinarians—make good...
FAQs
Disability Insurance
I already have disability insurance with my group, why would I need an individual policy?
The contract language in a group disability plan is often not as strong as an individual disability insurance policy, and the group plan may not provide enough coverage to adequately protect your income. Most group disability plans are also not portable, meaning you cannot take the same plan at the same premium and benefit if you leave your group. Everyone’s situation is different, but it’s wise for doctors to have a baseline of individual disability insurance as their primary coverage.
I have a lot of student loan debt, does this help pay for those loans if I become disabled?
Most importantly, disability is designed to replace income which pays debt, so yes. However, there are a couple premier carriers who have riders that pay you an additional amount (over your base disability benefit) designed to help pay down your debt.
I'm young and healthy, why would I need disability right now?
Now is the perfect time to get a disability plan as a young and healthy person. This is the time that your rate will be the lowest and qualification the easiest. If you wait until your health situation changes, you may not be able to qualify for coverage. When applying for disability insurance, pre-existing conditions can affect your ability to qualify.
I'm a resident or medical/dental/vet student. Can I afford a policy right now?
Your team of experts, through experience, fully understands the financial life of residents and students, which is why we have customized plans designed specifically for your situation.
Life Insurance
I already have life insurance with my group, why would I need more life insurance?
Your group plan may not provide an adequate amount of coverage for your situation and needs. Most group plans are also not portable, meaning you cannot take the same death benefit and premium with you if you leave your group. Even if you stay with your group until retirement, these plans may not provide protection after retirement. For these reasons, it’s often appropriate to have a combination of individual and group life insurance.
Insurance Products Are:
NOT A DEPOSIT | NOT FDIC-INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY THE INSTITUTION | MAY GO DOWN IN VALUE