Your ability to earn an income is your most valuable asset—especially as a physician. This article breaks down the basics of doctor disability income insurance, explaining why it’s essential, what features to look for (like own-occupation coverage), and how much you really need. Whether you're in training or running a practice, protecting your income with the right policy is a critical part of financial planning.

When it comes to protecting your health and finances, not all insurance is created equal. Many people think their health insurance...

Reviewing your long-term disability income insurance policy is essential to ensure it truly protects your income if you can’t work. Start by understanding how “disability” is defined—own-occupation offers the best protection for professionals. Then check the monthly benefit amount, waiting period, and how long benefits will last. Make sure your policy includes partial disability benefits and consider valuable riders like cost-of-living adjustments or future increase options.

Frequently Asked Questions about Individual Disability Income Insurance Q: What is individual disability income insurance? A: Individual...

May is Disability Income Awareness Month!

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Purchasing insurance was once a rigid and unpleasant experience, usually including meeting with an agent and being sold to for the next hour

What's the deal with underwriting and how long does it take? The truth is that it depends on the situation. In this video, I explain what...

Spring is here, May is here, and so is Disability Income Awareness Month (DIAM)! We understand that disability income isn't the most excit

Example of how to start the convo with your clients:

What triggers a Disability income policy to pay out? Every policy definition is different. Here are a few things to look for:

What income info do you need for Disability Income underwriting? There are really 2 different buckets here: 1099/business owner/entrep

What is a disability income elimination period? Elimination periods are also often known as "time deductibles."

Finding the WHY behind the insurance need | BC Brokerage | Insurance for Fee-Only Planners

What benefit lengths are available for Long Term Disability? We get this question all of the time. 2 year, 5 year, 10 year, to 65,67,70.

Not all Long Term Disability insurance policies are the same - this is why we provide our clients with the top 3 results for your potential

False! You can (and should!) advise clients on what types of products they should purchase, how much they should purchase, what companies...

This should be pretty obvious (especially if you've followed us the last 1.5+ years!), but it’s worth saying: this is a myth! The terms...

In order to be fee-only, you and all related parties including the firm that you work for must be fee-only.

May is Disability Income Awareness Month! If you rely on your income to pay your bills and save for retirement, then you need disability