Physician Disability Insurance: The Truth

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Physicians looking for disability insurance in the marketplace will soon discover that it is a very competitive market. As a result, it is hard for some physicians to uncover the truth about the individual disability insurance policies being presented. It can also be hard to know who to trust. Here is a guide to help you discover the truth about …

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Disability Insurance: The Premium Difference

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When shopping for disability insurance online, it is important to keep in mind that policies will not vary much from company to company. If you are working with an experienced broker, chances are that you will receive quotes from the same companies with the same premiums. If the premiums are substantially different from the same company there are a few …

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Stacking Life Insurance Policies

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Stacking life insurance policies Sometimes it can be difficult to determine how long you will need your life insurance and how much you will need. One method you can use to help defray costs is to stack your term life insurance policies. I had a client come see me last week. He is a practicing anesthesiologist here in Denver and …

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Disability Insurance Medical Exclusions

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Disability Insurance: Removing Exclusions I spoke to a client of mine (Dr. Griffin) who purchased a policy a few years ago. At the time, she was a graduating anesthesiology medical resident and was getting ready to go in for a back surgery. As expected, the company put a back exclusion on the policy. They said they would reconsider the exclusion …

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Disability Insurance: Should I File a Claim?

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By Jamie K. Fleischner, CLU, ChFC, LUTCF President, Set for Life Insurance I often get calls from clients telling me they were recently diagnosed with an illness or were in an accident and are unsure if they should file a claim. The companies want to be notified within 30 days of such an occurrence to start the claims process. But …

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