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Blog
What are the chances of becoming disabled?
The decision to purchase disability insurance is not always easy. After all, there are plenty of other things you...
Billy Gwaltney
January 13, 2021
What is the difference between level premium & graded premium?
When money is tight, it can be tempting to pick up a disability policy with a cheaper premium. But that’s not...
Billy Gwaltney
December 30, 2020
Does the cost of my disability policy increase over time?
Many physicians hesitate to get disability coverage because they fear rising costs over time. There are plenty of...
Billy Gwaltney
December 16, 2020
Is it ever wise to purchase whole life insurance?
Most physicians know about term insurance. It’s cheap, and if you die, your family gets paid quite a bit of money....
Billy Gwaltney
December 2, 2020
Why I love working with physicians
This is a more personal episode than we’ve done lately, but with all that’s going on in the world right now, it...
Billy Gwaltney
November 18, 2020
How important is the psychiatric benefit?
Being a physician can be extremely difficult. Long hours, tough working conditions, and having to witness...
Billy Gwaltney
November 4, 2020
What is the Future insurability option and do I need it?
You realize that it is essential to purchase disability insurance coverage as soon as possible, even before you’ve...
Billy Gwaltney
October 21, 2020
What are the elimination period and COLA rider?
There are a lot of moving parts to a disability policy, and this tends to lead to a lot of questions about what is...
Billy Gwaltney
October 7, 2020
Do I need to purchase term life insurance while in training?
Much like disability insurance, many physicians don’t give much thought to life insurance early in their...
Billy Gwaltney
September 23, 2020
How much life insurance do I need?
You know that disability insurance protects you if you are injured and unable to work, allowing you to still...
Billy Gwaltney
September 9, 2020
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