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Legal

Legal

The materials and information in this site are provided “as is” and without warranties of any kind either expressed or implied. Doctor’s Financial Network, Inc. and its related affiliated and subsidiary companies (Doctor Disability), disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall Doctor’s Financial Network , Inc., Chuck Krugh, personally and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages rising out of the use of the information herein.

Doctor’s Financial Network, Inc. does not guarantee that you will be offered a disability or life insurance policy at the conclusion of your application process. Doctor’s Financial Network, Inc. is not an insurance company but rather acts as an agency for over 20 insurance companies. Charles I Krugh, Doctor’s Financial Network’s President is the agent of record for all applications submitted through the Doctor’s Financial Network, service. Doctor’s Financial Network does not endorse any specific insurer.

Copyright Notes

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Doctor’s Financial Network, Inc. and/or its affiliates, or the insurance companies represented, and may not be copied or distributed, in whole or in part, without the express written consent of Doctor’s Financial Network, Inc. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.

Contact

You agree and understand that we may contact you via phone or email to follow up regarding your request for disability or life insurance in order to verify information for the purpose of giving you the most accurate quote possible.

When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by Doctor’s Financial Network and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

Personal Information

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. Doctor’s Financial Network maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All Doctor’s Financial Network employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. As such, in order to provide the high level of service our clients have come to expect, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting Doctor’s Financial Network the permission to evaluate this information, and in it’s sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing disability or life insurance coverage. Such nonpublic personal information is not used for any other purpose.

The underwriting (risk assessment) will not begin until after the completed, hard-copy, signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.

Doctor’s Financial Network herein advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

Product Restrictions

Products are subject to underwriting requirements. Suicide and pre-existing condition limitations apply. Products are not available in all states.

Licenses and Insurance Policy Availability

Agent(s) licensed to sell policies in all states and the District of Columbia.

AlabamaA203375Alaska33652
Arizona153110Arkansas255688
California0b12796Colorado154816
Connecticut002096996Delaware0170731
FloridaE066880Georgia650419
Hawaii312576Idaho101773
Illinois558238xxxIndiana434054
Iowa0002596505Kansas2596505
Kentucky568527Louisiana300396
MainePRN95657MarylandNPI189208
Massachusetts1779792Michigan0311107
Minnesota20395802Mississippi306221
MissouriPR308075Montana931624
NebraskaAG301631Nevada177156
New Hampshire0392145North Dakota2596505
New Jersey0350312New Mexico118904
New YorkLA-989047North Carolina558238xxx
Ohio622945Oklahoma186849
Oregon623966Pennsylvania398282
Rhode Island1069397South Carolina353572
South DakotaSD-0005272053Tennessee0000889471
Texas1225834Utah198518
Vermont301939Virginia558238xxx
Washington210252Washington D.C.2802294
Wisconsin2426258West Virginia420590
Wyoming67114

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Testimonials

      “I can see why so many of my colleagues sing their praises. Thanks for making a potentially confusing decision so simple and easy!”
– Anna C., Emergency Medicine Physician

     “Excellent service. They were thorough, professional, and took their time to explain the details and pros and cons of the available options. I will recommend to physician colleagues!”
– Charles K., Gastroenterologist

     “I started using Doctor Disability for my life insurance and had such a great experience that I decided to return for disability insurance.  I highly recommend Doctor Disability to my fellow colleagues when they need insurance coverage.”
– Ricardo C., Family Medicine Physician

     “Doctor Disability was great! They provided excellent customer service, comparison of plans, and explanations of terminology that was very useful in making my decision. I will definitely recommend to colleagues.”
– Heather W., Urologist

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