Business Overhead Expense: A Real Risk that Needs a Real Solution
Story at-a-glance A disability can shut down your practice—even if your personal income is covered, your office expenses won’t be. BOE insurance keeps your practice
What’s the Best Life Insurance for Physicians? Term Vs. Permanent
Story at-a-glance Term life offers low-cost, temporary coverage, but only pays out about 1% of the time—and premiums rise sharply if renewed after the term
Are HSAs the Secret to Reducing Health Care Costs?
Story at-a-glance HSAs pair with high-deductible health plans (HDHPs) to offer lower premiums and tax-advantaged savings for medical expenses. Contributions are tax-deductible, grow tax-deferred, and
The Advantages of Owning Life Insurance for Physicians
Story at-a-glance Creates an instant estate – Life insurance provides immediate funds to cover debts, expenses, and your family’s future if you’re no longer here.
Physicians May do Better with Return of Premium Life Insurance
Story at-a-glance ROP policies refund your premiums if you outlive the term—giving peace of mind and your money back. They cost more upfront—typically 2–3x the
Physicians Should Base Disability Insurance on Reality, not Rules of Thumb
Story at-a-glance Physicians need specialty-specific protection, especially with a 1 in 8 chance of being disabled before age 65. Don’t rely on rules of thumb—benefit
How to Choose the Right Investment Advisor
Story at-a-glance Physicians need expert guidance—not just DIY tools—when navigating today’s complex financial markets. Not all “advisors” are created equal—some work for financial firms and
Will Your Disability Policy Protect You at the Next Level?
Story at-a-glance Physician income can skyrocket post-residency, making early disability coverage quickly outdated. Standard policies may only cover a fraction of a physician’s new, higher
Why Young Physicians Need Life Insurance
Story at-a-glance Avoid burdening loved ones – Even single physicians may leave behind debts, like student loans or final expenses, that fall on family. Lock
Should Physicians Own Term Life or Whole Life Insurance?
Story at-a-glance Term life is low-cost, temporary coverage—ideal for short-term needs like income replacement or mortgage protection. Whole life offers lifelong protection with tax-deferred savings
Asset Allocation through the Physician’s Life Cycle
Story at-a-glance Your investment strategy should evolve with your career stage – From training to retirement, physicians’ goals, risk tolerance, and time horizons shift, requiring
When Physicians Should Change Their Life Insurance Coverage
Story at-a-glance Life changes—your insurance should too. Major events like marriage, children, or income jumps can make old coverage outdated. Annual reviews help avoid big