Disability Insurance to Cover Loan Repayments

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This week I had a grandfather contact me about helping his grandson apply for a policy to cover his student loans. The grandson just finished pharmacy school and had a total of about $150,000 in student loans. Even though he was starting a stable full time job, he wanted to ensure that his loans would be paid if something happened …

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Disability Insurance COLA Cost of Living Rider

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Most individual disability insurance policies already have built in riders and definitions such as own occupation. However, one rider that typically needs to be added is the COLA Cost of Living Rider. Is it worth having on your policy? The COLA rider is the most often misunderstood rider. Here we will break it down and provide some guidelines to help …

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Why Medical Residents Should Purchase Disability Insurance Early In Their Training

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Today I worked with a medical resident who recently started their training in emergency medicine. They have several years to go until they are done training but were curious about how and if they should purchase a disability insurance policy while early in their training. There are 3 main reasons to purchase an individual policy early in your medical residency …

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Should I Use the Same Company for Life and Disability Insurance?

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When you purchase either an individual disability insurance or life insurance policy, you may reuse your paramedical results up to six months after the exam if you purchase the other type of insurance. Clients often ask me if they should use the same company if they buy the other coverage or if there is a discount. The answer is oftentimes …

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Oral Surgeon Disability Insurance

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As an oral surgeon, you are most likely well aware of the risks of losing your ability to work as an oral surgeon. Oral surgery not only requires a tremendous amount of education and training, but it is also a very physical and technically demanding type of work. Therefore, it is critical that oral surgeons protect their incomes properly with …

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