A Conversation With Editor @ WhiteCoatInvestor.com

Why should doctors get insurance? What is your greatest asset?  Your ability to earn.  It takes an intelligent, highly motivated, and committed individual to invest over a decade in education and training, combined with a mortgage-sized student loan debt to become a physician. The investment made by a doctor in becoming an attending is unrivaled[…]

What are Disability Insurance Riders and Which Are Most Common?

Just like cars have a standard model, disability insurance has a base policy. Just like cars have options that can be added to the standard model, so does disability insurance. Optional “add-ons” to the base policy of disability insurance are called disability insurance riders. Riders allow consumers to individualize—to add optional features—to their base policy,[…]

Guardian Announcement Higher Limits & More

Guardian is one of the many carriers that we use for Disability Insurance. They have recently made some significant changes to  their issue limits. 1. Higher Maximum Issue & Participation Limits for the Medical Market Effective immediately, Guardian has increased its Maximum Issue and Participation Limits.  Specifically, Guardian has increased its Maximum Issue Limit to[…]

Glossary of Disability Insurance Terms

Accident An event that is unforeseen, unexpected and unintended. Accident Bodily Injury Physical injury sustained as the result of an accident. Accident Disability Either a total or partial disability resulting from an accidental injury. Accidental Death & Dismemberment (AD&D) Benefit An optional benefit that provides a fixed lump sum for accidental death or for certain specified actual loss or[…]