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Story at-a-glance Physician income can skyrocket post-residency, making early disability coverage quickly outdated.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 Major events like marriage, children, or income jumps can make old coverage outdated.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
How Much Life Insurance Coverage Do You Really Need?
Story at-a-glance Don’t guess your life insurance needs—use a clear, step-by-step calculation instead of one-size-fits-all rules. Start by identifying actual needs, including debts, final expenses,
Year-End Tax Planning for Physicians
Story at-a-glance Year-end tax planning is critical for physicians, especially as financial clarity improves late in the year. Smart strategies include deferring income and accelerating
Doctor Disability: CHDP Preventive Care Can Prevent Disability
Story at-a-glance Consumer-Directed Health Plans (CDHPs) are growing, offering high-deductible plans paired with health savings accounts. CDHPs encourage smarter healthcare spending, including increased use of
Disability Insurance for Military Doctors: Military Doctors May Lose Coverage
Story at-a-glance Military doctors lose key disability protections once they leave active duty—especially for non-service-related issues. VA disability coverage requires documentation during service, making post-separation
Doctor Disability: Staying Home When You’re Sick
Story at-a-glance Flu season increases presenteeism—working while sick lowers productivity and spreads illness. 80% of physicians work while ill, risking their own recovery and their
How Laughter Helps Doctors
Story at-a-glance Laughter boosts physical health—it improves oxygen flow, lowers blood sugar, and even protects the heart. Humor strengthens doctor-patient relationships, easing anxiety and building
Why Medical Students Need Disability Insurance
Story at-a-glance Medical students face major financial risk—most carry $119K–$150K+ in student debt with little to no income. Rising tuition and stagnant physician salaries have