What are the elimination period and COLA rider? image

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? image

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? image

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
Explaining the PPG Concierge Experience image

Explaining the PPG Concierge Experience

 Choosing the right disability insurance specialist is one of the most important financial decisions you can make....
Billy Gwaltney
August 26, 2020
What is a recovery benefit and do I need it? image

What is a recovery benefit and do I need it?

Disability insurance can save you from financial ruin if you’re not able to work, but what happens when you are no...
Billy Gwaltney
August 25, 2020
What is a residual benefit and do I need it? image

What is a residual benefit and do I need it?

 You know that you need a disability insurance policy, but what happens if you become partially disabled....
Billy Gwaltney
August 24, 2020
What is the process for obtaining specialty disability coverage? image

What is the process for obtaining specialty disability coverage?

Getting your own specialty disability coverage is one of the best decisions you can make for your financial...
Billy Gwaltney
August 23, 2020
Is working with an insurance specialist better than a general financial advisor? image

Is working with an insurance specialist better than a general financial advisor?

If you’ve ever worked with a financial advisor on your investments and retirement, they may have brought up the...
Billy Gwaltney
August 22, 2020
Do I pay you an extra fee for your expertise? image

Do I pay you an extra fee for your expertise?

Insurance agents have gotten a bad name recently. At worst, you probably feel like they can’t be trusted, and at...
Billy Gwaltney
August 21, 2020
Can I count on my group and/or employer LTD policy? image

Can I count on my group and/or employer LTD policy?

We are completely convinced that every physician should have an individual disability insurance policy. But what...
Billy Gwaltney
August 20, 2020