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Blog

What Are The Factors That Determine My Rate? image

What Are The Factors That Determine My Rate?

There’s a lot of confusion and speculation behind pricing special disability coverage. You might feel so...
Billy Gwaltney
February 24, 2021
Is My Specialty Policy Portable? image

Is My Specialty Policy Portable?

Some physicians rely on group insurance policies from employers. This saves money in the short term, but what...
Billy Gwaltney
February 10, 2021
What are the most common types of disabilities? image

What are the most common types of disabilities?

Healthy, young, non-smoking physicians typically think they can get away without having disability insurance. It...
Billy Gwaltney
January 27, 2021
What are the chances of becoming disabled? image

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? image

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? image

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? image

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 image

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? image

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? image

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
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