This episode was first broadcast in February 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).

As a trainee, it can be tough to budget for disability coverage. But here's the thing: waiting to get coverage is like playing a risky game with your finances. Think about it—the longer you wait, the higher the interest rates on your coverage will be. It's like a ticking time bomb for your wallet. This is why it's important that you learn to take control of your financial and health destiny now to get the best discounts and rates on disability coverage. In this episode, we'll show you how to do just that while paying as little as possible on premiums.

Episode Highlights:

• How to get the largest discount on your disability coverage. (2:14)

• How 95% of trainees end up paying 20-30% extra for coverage—and how you can avoid that. (3:16)

• Why waiting for four years (as a trainee) to get coverage could end up permanently costing you an extra 40-50% in premiums. (3:43)

• How you can legally bypass in-person physical screening for coverage as a trainee. (4:32)

• The key to securing the lowest premiums on your coverage. (6:42)

• Why a lower coverage rate may be the smarter choice as a trainee. (9:55)

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

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