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Blog

How important is the COLA calculation? image

How important is the COLA calculation?

Many young physicians wonder if the Cost Of Living Adjustment is an important insurance rider. They want to know...
Billy Gwaltney
October 6, 2021
Clarifying Psychiatric vs Mental Nervous image

Clarifying Psychiatric vs Mental Nervous

When considering your insurance options, you may have come across the Mental Nervous benefit. This confusing...
Billy Gwaltney
September 22, 2021
Explaining the Future Insurability Option image

Explaining the Future Insurability Option

Your disability insurance policy may include a Future Insurability Option. With an FIO, you can increase your...
Billy Gwaltney
September 8, 2021
Explaining Principal's Benefit Update Rider image

Explaining Principal's Benefit Update Rider

To get disability insurance, your provider needs to review your medical history. That history is your medical...
Billy Gwaltney
August 26, 2021
Should I combine my life insurance with the same company as disability insurance? image

Should I combine my life insurance with the same company as disability insurance?

Combining your disability coverage with life insurance sounds like a smart financial move. You want to cover...
Billy Gwaltney
August 11, 2021
Should I buy life insurance when buying specialty disability coverage? image

Should I buy life insurance when buying specialty disability coverage?

When it comes to policy shopping, you might combine disability coverage with life insurance. But you want to make...
Billy Gwaltney
July 28, 2021
If I'm not a surgeon do I still need specialty occupation coverage? image

If I'm not a surgeon do I still need specialty occupation coverage?

It might feel like a waste of money getting coverage if you don’t perform extensive surgeries or exhaust your body...
Billy Gwaltney
July 14, 2021
What if I think I'm medically uninsurable? image

What if I think I'm medically uninsurable?

You might think you’re medically ‘uninsurable’ based on something that’s happened in the past…but conversations...
Billy Gwaltney
June 30, 2021
What if I'm less than perfect medically & have exclusions on my policy? image

What if I'm less than perfect medically & have exclusions on my policy?

If you can’t land the best contract available or get the disability benefits you want, it might feel like it’s not...
Billy Gwaltney
June 17, 2021
Why are disability rates for females higher & how should I handle this if I'm a female? image

Why are disability rates for females higher & how should I handle this if I'm a female?

When looking into insurance rates, you might notice that the cost of a disability plan for females is...
Billy Gwaltney
June 2, 2021
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