September 15, 2016

Exclusion Riders—Not Always Too Exclusive

Occasionally I take an application from a doctor who has a history of an injury, disease, or other disorder that has a higher than normal risk […]
September 6, 2016

Exclusion Rider to the Rescue

I recently had a high-income radiologist apply for disability income insurance. He told me up front that he would not take the policy if it came […]
August 23, 2016

Why Your Birthday May Be the Perfect Motivator

Most of the uninsured doctors I talk with really want to get disability insurance, but they struggle to find a few minutes to fill out the […]
August 9, 2016

Want a Free Quote and No Sales Pitch?

We all like free stuff. But if we have to provide our contact information… well, forget it. We think sales calls are certain to follow, and […]
July 12, 2016

The AMA Physician Disability Policy—Is it Good Enough?

A rheumatologist told me this week that his AMA disability policy is a good plan because it covers a large group of physicians and the AMA […]
July 5, 2016

“I Hope My Agent Sold Me Disability Insurance!”

I received an email this morning from the wife of a surgeon whom I spoke with years ago. She was hoping her husband had some physician […]
June 8, 2016

Elimination Period—What You Need to Know

I have a client who was recently diagnosed with cancer. This physician quit working 32 days ago and began chemotherapy. He tells me he needs his […]
June 2, 2016

Is a Physician’s Disability Tied to Foreclosure?

What do foreclosures and disabilities have in common? A lot! It turns out that almost 50% of foreclosures involve disability of the family breadwinner. But surprisingly, […]
May 18, 2016

“One Thing I Should Have Done is Upgrade My Insurance”

Several years ago, I spoke with a lawyer who was receiving physician disability income benefits. He didn’t start out as a lawyer. He was actually a […]