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Blog

Discounts - How do they work, who can get them? image

Discounts - How do they work, who can get them?

How much are you paying right now for your insurance premiums? There’s a 95% chance it’s too much. Because 95% of...
Billy Gwaltney
January 25, 2023
Ending soon-Gender neutral discount in Massachusetts image

Ending soon-Gender neutral discount in Massachusetts

The state of Massachusetts is taking away gender-neutral discounting. Which means that you can no longer add that...
Billy Gwaltney
January 11, 2023
Should I pay down debt or increase my disability coverage? image

Should I pay down debt or increase my disability coverage?

Disability premiums can be seen as a “luxury,” especially when various expenses wear you down. Which makes it easy...
Billy Gwaltney
December 28, 2022
A young physician's most important asset  image

A young physician's most important asset

What do you think, as a young physician, your most crucial asset is? Your retirement account or your real estate...
Billy Gwaltney
December 14, 2022
What factors determine the cost of my disability policies? image

What factors determine the cost of my disability policies?

Many physicians end up paying more than necessary for the same exact disability policy as another one who pays...
Billy Gwaltney
November 30, 2022
Two types of disability policies image

Two types of disability policies

When physicians reach out to me about disability policies, they always ask what types of disability policies are...
Billy Gwaltney
November 16, 2022
Big gaps in employer long term disability policies image

Big gaps in employer long term disability policies

Employer long-term disability (LTD) coverage lures many young physicians into making a massive financial mistake....
Billy Gwaltney
November 2, 2022
Principal's benefit update rider: How it works image

Principal's benefit update rider: How it works

Having a principal’s benefit update rider allows you to increase your coverage as your income grows. This is...
October 19, 2022
Underwriting & Medical Records image

Underwriting & Medical Records

Unlocking the best disability coverage for physicians in the nation is a simple process. But it does require your...
Billy Gwaltney
October 5, 2022
Certainty is the expectation image

Certainty is the expectation

We live in an uncertain and unpredictable world where one small mistake can cause untold decades of suffering....
Billy Gwaltney
September 21, 2022
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