This episode was first broadcast in January 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).

How much are you paying right now for your insurance premiums? There’s a 95% chance it’s too much. Because 95% of physicians don't know that they can reduce how much they pay in premiums on their coverage. How? By getting a discount through the right associations. Doing so can save you up to 50% on your coverage. In this episode, you’ll discover how to add discounts to your existing attendant coverage. And, if you’re still in your trainee phase, you’ll find out how to save up to 50%!

Episode Highlights:

• How to permanently save up to 40-50% on your disability coverage by using a trainee discount. (1:23)

• How to get up to 15% off your coverage as an attendant, even if you’re past the trainee period. (3:24)

• The “Policy Discount” loophole most insurance companies use to charge you extra premiums, and how you can avoid it. (4:32)

• A secret strategy for saving money on your insurance policy, while upgrading your coverage. (4:50)

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. (, 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 (

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  Gwaltney

Billy Gwaltney

Contact Me