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Physician's Disability Insurance
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As a physician you will want to consider long term disability insurance with a pure own-occupation definition of total disability, with medical specialty language to age 65. And, physicians may choose to extend coverage buy purchasing a graded lifetime extension benefit period offering lifetime protection. We offer the finest long term disability policies from major carriers Guardian, Berkshire and Mass Mutual. Protect your income with special benefits for high wage earners and physicians.
Consider this when you decide if you need disability insurance. At every age during a person’s working years the chances of a disability are greater than the risk of an early death. At age 30, an individual is 3 and 1/2 times more likely to suffer a serious disability (one lasting for 90 days or more). Even at age 50, the risk of disability is twice as great.
Many people understand and insure themselves and their families for the risk of death... but too often they are leaving a greater risk totally unprotected.
Considering the fact that disability can strike anyone at any time, it should not come as a shock that disability is 16 times more likely than death to cause foreclosure on a home.
Unfortunately, we hear the horrible stories of families that are forced to move
after the death of the bread-winner; but we don’t hear, and therefore don’t
realize, that disability is a far worse problem.
Legacy Insurance Agency offers disability insurance from Guardian, Berkshire,
Mass Mutual and others. If you have a specialized occupation a own
occupation policy may be of special interest to you.
Why not take the time right now to learn how you can
Agent Barry Page |
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© 2008 Legacy Insurance Agency, PLLC |
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