Disability Insurance for Medical Interns

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As an intern,  it is important to protect your future earnings.  Interns qualify for the most favorable occupational class with most companies. If you are planning to move onto a riskier specialty such as anesthesiology,  it is in your best interest to purchase your policy while still in your intern year. This can save you approximately 20%. Keep in mind, the …

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High Limit Disability Insurance

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Example One – Personal Income Protection We were approached regarding the Chief Executive Officer of an oil company in Texas. The proposed insured’s annual income was $5,000,000 and the request was for our office to design adequate disability insurance with the CEO as the policy owner, insured, and beneficiary (i.e., the coverage was intended to replace the insured’s income that …

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Disability Insurance for Internal Medicine Residents

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As an internal medicine resident,  it is important to protect your future earnings.  Internal medicine residents qualify for the most favorable occupational class with most companies. If you are planning to move onto a riskier specialty such as interventional cardiology, it is in your best interest to purchase your policy while still practicing internal medicine. This can save you approximately 20%. …

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Long term disability insurance during a divorce

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Disability insurance may play a critical part of a  divorce agreement. In order to ensure the continuation of obligations such has maintenance and child support, disability insurance and life insurance may be required. Individual long term disability insurance will provide the necessary income in the case of sickness or injury. For more information about long term disability insurance during a divorce and …

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Disability Insurance Discounts and Quotes for Plastic Surgeons

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Disability insuranace can be very expensive for plastic surgeons. For men, expect to pay approximately 1-3% of your income on premiums. For women, expect to pay 2-4%. The best way to reduce your premiums is to look for discounts without compromising benefits on your policy. If you are not currently eligible for discounts already in place, you may be able to …

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