Risk & Insurance
Protection calibrated for physician exposure
Coverage protects you only as well as it's defined. We build disability and life insurance around the way your specialty actually carries risk.
Why it's different
The fine print is the whole policy
For a physician, what a policy pays is decided by how it defines disability, not by the number on the front page. A definition written for a desk job can leave a procedural specialist exposed after the exact injury most likely to end their career.
We read coverage the way an underwriter does, then make sure the definitions, the riders, and the timing all match the way your specialty actually carries risk.
Own-occupation
The definition that decides it
Three policies can carry the same benefit amount and protect you completely differently. The difference is in how each one defines disability and whether it follows you.
| Own-occupation | Any-occupation | Employer group | |
|---|---|---|---|
| Pays if you can't perform your specialty | ✓ | ✗ | ✗ |
| Keeps paying if you work in another role | ✓ | ✗ | ✗ |
| Follows you when you change employers | ✓ | ✓ | ✗ |
| You control the amount and terms | ✓ | ✓ | ✗ |
| Benefits | Tax-free (you pay premium) | Tax-free (you pay premium) | Often taxable |
What we cover
Coverage matched to your career
Own-occupation long-term disability
The core policy, paying if you can't perform the specific duties of your specialty, even if you could work elsewhere.
Short-term coverage
Income that bridges the weeks or months before long-term benefits begin, after an illness, injury, or procedure.
Term life, right-sized
Income replacement sized to your debts, dependents, and stage, never permanent life sold to you as an investment.
Reviewed at every transition
A new attending role, a move across states, a shift to administrative work, we re-check coverage when your risk changes, not on a calendar.
Common questions