You want to retire on your own terms—when you’re ready. While physician disability insurance is essential for protecting your livelihood, ideally, you’ll never have to use it. But what happens if your body tells you otherwise?The cost of living has skyrocketed, making retirement more expensive than
Managing Physician Stress and Protecting Your Future with Physician Disability Insurance
Did you know that over 86% of U.S. physicians experience moderate to severe stress daily? A survey by the AMA found that physician burnout is rising, impacting careers and personal lives. Increased stress levels can lead to anxiety, depression, and even disability—making physician disability
Elimination and Benefit Periods
Elimination and Benefit Periods When you’re shopping for the best disability policy for your needs, it’s clear that the monthly premium will become a factor in determining the type of policy and the company from which you take out the policy. The two main factors that can affect your premium the
Getting the Right Size Umbrella
Getting the Right Size Umbrella One of America’s foremost financial counselors, Dave Ramsey, says, “It’s gonna rain. You need an umbrella.” Of course, he was referring to having an emergency fund of cash available. But the same truth can be applied to having disability insurance. Maybe you’re not
Apples to Apples
Apples to Apples Have you conducted a needs analysis for disability insurance with your agent or broker? Do you have an idea how much DI you would probably need for you and your family to survive with an extended disability? Were you sufficiently awed by the numbers that you are ready to take the
The Expressway to Broke? Protect Your Income with Disability Insurance
Many young professionals believe they’re invincible. They assume they’ll never face a serious disability that keeps them from working. But what if you do? The Reality of Disability Risk Studies show that younger individuals actually have a higher chance of long-term disability than
Disability Insurance: The Audacity of Invincibility
Do you feel unstoppable? Like nothing could ever go wrong? If so, Murphy has some news for you: whatever can go wrong, will.Many of us think we’re invincible, especially when we’re young. But life is unpredictable, and disabilities can happen at any time. That's where disability insurance comes