Insurance Planning for Physicians

Own-occupation disability insurance, practice overhead protection, and life insurance planning for physicians, surgeons, dentists, residents, and practice owners.

A medical career combines high future earnings, long training, and procedure-specific skills. That makes the definition of disability, the timing of applications, and practice-level protection unusually important.

Priorities by career stage

Residents and fellows often focus on securing an individual own-occupation disability policy with options to increase coverage later. Attending physicians typically review whether group and individual coverage together replace a reasonable share of income. Practice owners add overhead expense protection, buy-sell funding with partners, and key person considerations.

What to compare

We compare specialty-specific own-occupation definitions, residual benefits, future increase options, and carrier issue limits. For life insurance, we start with term needs and discuss permanent coverage only where there is a specific, long-term purpose. Health information is shared directly with carriers during an application, not through this website.

Suitability & Limits

Coverage limits are tied to income and existing coverage.

Medical history can affect approval, exclusions, and price.

Employer and association plans may change or end when you change jobs.