RIGHT PROTECTION TO KEEP YOUR FUTURE SECURE
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Questions and Answers
You invested heavily in your education and training with the expectation of high future earnings. Doctors National focuses on the unique needs of physicians. We access the premier physician insurance carriers to secure affordable, comprehensive coverage that protects your future income and offers financial security. You gain access to our special programs and discounts specifically designed for physicians. Whether you are a resident physician or practicing physician, Doctors National offers solutions tailored to your needs.
Doctors National works with AM BEST rated life and disability insurance carriers to develop a portfolio of plans designed specifically for physicians and their practices.
To learn more about specific types of insurance plans available to physicians:
You put in years of education and training to develop highly specialized skills. Under an own-occupation policy, a physician is considered disabled if you are unable to perform the duties of your specific medical specialty, even if you can work in another job. This ensures that your policy compensates you for the loss of ability to practice in your trained field, not just for a total inability to work.
For example, a surgeon who develops a hand injury that prevents them from performing surgery would still be considered disabled, even if they could work as a general practitioner or in a different role. An own-occupation policy would provide benefits in such cases.
Doctors Nationals has access to the top disability insurance physician carriers, so you have the strongest income protection policy available, often at discounted rates, for your medical specialty.
The sooner the better.
- Life Insurance: Purchase early if you have dependents or significant debt, like student loans or a mortgage.
- Disability Insurance: Get early during residency or fellowship to lock in lower rates and protect future income.
- Reassess After Training: Adjust coverage based on income growth, family status, or new financial responsibilities.
By planning early, physicians can secure better terms, ensure they are adequately covered, and protect both their current and future financial well-being.
We look forward to talking to you. Contact us:
Phone:317-258-8191