What a policy review gives you
A policy review helps you confirm whether your coverage is structured the way you think it is, before you ever need to file a claim.
You’ll get clarity on:
- Whether the definition truly protects your ability to practice your specialty
- Riders, benefit structure, and common gaps physicians often miss
- How your policy would likely behave in realistic claim scenarios
- What to keep, what to change, and what to consider adding
Who this is for
This is a good fit if you:
- Bought a policy years ago and never revisited it
- Have group coverage and want to understand limitations
- Were told you had “own-occupation” and want to confirm what that means in your contract
- Are approaching a major career change (new attending, income jump, new practice arrangement)
- Simply want a second opinion before you renew or add coverage
Not sure? Schedule a call and we’ll point you to the right next step.
What we review
We focus on the parts of the policy that determine real outcomes, not superficial details.
Key areas:
- Specialty definition and how “occupation” is evaluated
- Partial disability and how benefits are calculated
- Benefit period, elimination period, and common limitations
- Riders that change outcomes (based on your situation)
- Coordination with employer coverage when applicable
Note: We’ll keep explanations in plain English, not insurance jargon.
What you’ll send us
To start, we typically need:
- A copy of your policy (PDF is fine)
- A recent in-force illustration if available (optional)
- Basic context: specialty, training stage, and income range
Design cue: Put this in a small “checklist” box so it feels easy.
Quick answers
No. We can review policies you already own, regardless of where you purchased them.
We’ll explain what your policy does well, where it may fall short, and what options you should consider. The goal is clarity, not pressure.
We can help you understand limitations and whether additional coverage is worth considering based on your specialty and goals.
Timing depends on the policy complexity and what you can provide. We’ll set expectations up front.
