2 Year Period of Incontestability–Life and Disability Insurance

Jamie Articles

When you purchase a life or disability insurance policy, your policy will automatically have a clause called the period of incontestability. This clause causes a lot of confusion.  The clause states that if you have a claim in the first two years of the policy, the company has the right to rescind the contract. Does that mean you are not …

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Resident Physician Disability Insurance—Thankful

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by Jamie K. Fleischner, CLU, ChFC, LUTCF President, Set for Life Insurance Today I had a call from a long term client that left me feeling a variety of emotions. Although I’ve been working in the disability insurance marketplace close to 20 years, it never fails to startle you when you get “the call.” The call was from a long …

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Physician Disability Insurance: Sub-specialties

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Physician Disability Insurance: Sub-specialties By Jamie K. Fleischner, CLU, ChFC, LUTCF President, Set for Life Insurance Today I worked with an interventional cardiologist in Georgia (Dr. Heart) who needed clarification about how the own occupation definition would work for his specialty. He is board certified as a general cardiologist as well as an interventional cardiologist. The own occupation definition of …

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Disability Insurance for Physicians: Keeping Pace

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Disability Insurance for Physicians: Keeping Pace Most physicians purchase their initial disability insurance policy when they are finishing medical residency. You buy $3-$5000/month, set it up on a monthly bank draft and don’t give it much thought. As the years go by, your income increases as do your living expenses. It is important that your disability policy keeps pace with …

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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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