Story at-a-glance High-income doctors need more coverage – Your income, debts, and dependents demand a stronger safety net.Term vs. permanent – Term is cost-effective now; permanent adds long-term value and estate planning benefits.Customize your policy – Add riders like disability waiver or

Story at-a-glance Start with your “why” – Protecting your family is the most important step. Everything else follows from that clarity.Know how much coverage you need – Go beyond income multiples. Factor in debts, future expenses, and legacy goals.Choose the right policy type – Term, whole, or

Story at-a-glance Term vs. permanent life insurance sparks heated debate, but what matters most is choosing the right tool for your goals.Get coverage early, even if it’s just term—you can always convert later once your finances and career evolve.The best policy is the one you’ll keep, so

Story at-a-glance Buy life insurance for the right reason—to give your family financial stability, not just to check a box.Don’t guess your coverage needs—use a personalized needs analysis that factors in debt, income, family goals, and future obligations.Work with a trusted, independent

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 ends.Permanent life (like whole life) guarantees lifetime coverage, builds cash value, and pays out 100% of the time—as long as premiums

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.Delivers powerful tax advantages – Enjoy tax-free death benefits, tax-deferred cash value growth, and tax-free access to your

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 premium of regular term life insurance.Critics argue you could earn more investing the difference, but that assumes consistent savings

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 in low rates while healthy – Buying early helps secure affordable premiums and protects future insurability.Protect your family’s