Author Archives: Billy Gwaltney

Are you considering applying for disability insurance? In this episode of Cover Your Assets, host Billy Gwaltney discusses the vital importance of applying for guaranteed standard issue (GSI) policies first, before applying elsewhere. He highlights the potential consequences of applying for disability insurance with other companies prior to GSI and explains why securing a GSI policy is essential for individuals with certain medical histories or risky hobbies. Billy emphasizes that GSI policies offer the best coverage without medical screening and advises listeners to work with a specialist to navigate the application process effectively. He stresses the significance of understanding the process before pursuing disability insurance and shares his contact information for personalized assistance.

Episode Highlights: 

• Explaining the crucial importance of applying for GSI policies first. (1:06) 

• Why do insurance companies avoid being the place of last resort? (2:58) 

• Emphasizing the guaranteed renewable and non-cancellable nature of GSI policies. (3:45) 

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (‪@billygwaltney3135‬) and visit the Professional Planning Group online (https://ownoccdisability.com/blog).

Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  .

Do you want to safeguard your hard-earned success? In this episode of Cover Your Assets, host Billy Gwaltney breaks down the quote spreadsheet, providing a detailed overview of the Benefit Increase Rider (BIR) and what makes disability coverage so crucial for physicians in training. Discover the top true specialty disability carriers and the key elements you need in your coverage plan. Learn the importance of private, portable, non-cancelable, and guaranteed renewable coverage with the BIR that allows you to expand your coverage once you become an attending. And gain valuable insights into getting this part of your financial life exactly right.

Episode Highlights: 

• The importance of private, portable, non-cancelable, and guaranteed renewable disability coverage. (1:17) 

• The benefits of the BIR and its significance for physicians in training. (3:17) 

• The top true specialty disability carriers and their interchangeable contract landscape. (4:42) 

• Key components of disability coverage and the role of a specialist broker in securing the right plan. (26:33) 

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (@billygwaltney3135) and visit the Professional Planning Group online (https://ownoccdisability.com/blog). Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  . 

If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠

In this episode of Cover Your Assets, host Billy Gwaltney delves into the details of the Ameritas Guaranteed Standard Issue (GSI) policy for residents and fellows at OhioHealth. Discover how this top-tier true specialty own-occupation disability policy provides unparalleled coverage with no required medical screening. Billy outlines the three non-negotiable elements of a properly designed disability policy and explains how the Ameritus GSI offer ticks all the boxes. He emphasizes the importance of taking advantage of this unique opportunity while it’s available and highlights the significant benefits of securing this coverage early in your career.

Episode Highlights: 

• How Ameritus seamlessly incorporates the essential elements of a true specialty own-occupation disability policy. (00:19) 

• Three reasons why the GSI offer is a game-changer for trainees. (3:57) 

• Unique features of the GSI coverage, including portability, and non-cancelable and guaranteed renewable benefits. (6:03) 

• Potential pitfalls of delaying or applying elsewhere before taking advantage of the GSI offer. (8:35) 

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (@billygwaltney3135) and visit the Professional Planning Group online (https://ownoccdisability.com/blog). 

Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  . If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠

Are you a resident or fellow at Ohio State University? You won’t want to miss this episode of Cover Your Assets as we dive into the details of the Ameritas Guaranteed Standard Issue (GSI) policy, offering exclusive coverage with no medical screening, which is now available to you. Host Billy Gwaltney provides an in-depth look at the unique benefits of the Ameritas GSI policy for residents and fellows at Ohio State University. He outlines the three critical elements of a properly designed true specialty policy, explains the guaranteed standard issue concept, and emphasizes the importance of applying for this exclusive coverage.

Episode Highlights:

• Crucial components of a true specialty own-occupation disability insurance policy and how it can benefit physicians. (1:16) 

• GSI and its significance for residents and fellows at OSU, including the absence of medical underwriting and exclusions. (4:04) 

• Exclusive benefits and features of the Ameritas GSI policy. (5:20) 

• Important considerations – like the requirement to apply for GSI before applying elsewhere – and next steps. (8:34) 

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (@billygwaltney3135) and visit the Professional Planning Group online (https://ownoccdisability.com/blog).

Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  . If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠

Are you a resident or fellow at the University of Rochester? Have you found the key to ensuring your financial security as a physician? In this episode of Cover Your Assets, host Billy Gwaltney dives deep into Guardian’s guaranteed standard issue policy being offered to you. Listen in as he outlines the vital elements of a properly designed specialty disability policy, including the true specialty own occupation definition of disability and enhanced partial disability benefits.

Episode Highlights:

• Three vital elements of a properly designed specialty disability policy. (1:02) 

• Comparison of elimination periods and cost of living adjustment options. (7:34) 

• The risk of waiting and the importance of getting the GSI opportunity in place before applying elsewhere. (10:09)

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (@billygwaltney3135) and visit the Professional Planning Group online (https://ownoccdisability.com/blog).

Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  . If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠

Are you a resident or fellow with New York-Presbyterian at Columbia, Weill Cornell, or Queens? Are you looking for disability insurance without the hassle of medical screening? In this episode of Cover Your Assets, host Billy Gwaltney provides an exclusive overview of Guardian’s Guaranteed Standard Issue (GSI) disability policy being offered to you. Learn about the unique benefits and opportunities available to residents and fellows at these facilities and discover why this coverage is considered the best on the planet. 

Billy also breaks down the three non-negotiable elements of a properly designed private specialty disability policy, provides an in-depth explanation of the Guardian guaranteed standard issue program, discusses the importance of timing in applying for this coverage, and emphasizes the exclusivity and portability of the policy.

Episode Highlights:

• True Specialty Occupation definition of disability. (1:24) 

• Enhanced Partial Disability Benefit. (2:41) 

• Long term recovery benefit and Future Increase Option details. (3:10) 

• Importance of applying for GSI before medical underwriting. (8:14) 

The Cover Your Assets podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. (https://ownoccdisability.com), shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA podcast on YouTube (@billygwaltney3135) and visit the Professional Planning Group online (https://ownoccdisability.com/blog).

Stay up to date with Billy on ⁠Facebook⁠ (  / ppgcarolina)⁠  , and LinkedIn (  / billy-gwaltney-chfc-clu-rebc-8b452a75)⁠  . If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠