The right insurance coverage is a vital part of an effective financial plan to protect your ability to earn income and those who depend on it. Here's what you need to know about disability insurance and term life insurance.

If you're ready to buy insurance, this page includes a list of recommended insurance agents for disability, life, home, auto, and health insurance. They have been serving your fellow white coat investors for years. All of the agents listed on this page are paid advertisers on the site but have been vetted by us and in an ongoing way, by your fellow white coat investors. I appreciate hearing feedback on these advertisers, both good and bad and will remove a recommendation if I receive repeated complaints of poor service.

Please do not contact every single one of them for disability insurance quotes. While it only takes you a few seconds to CC them all on a single email, they may each spend 2-3 hours compiling quotes and running illustrations for you from various companies. It might be reasonable to check out two or maybe even three of them and then go with one who seems the best fit, but you are likely to end up with the same policy in the end as if  you contacted just one of them. Be sure, of course, to ask if you would be eligible for any discounts from other agents that they may not be able to provide. Each of them serves hundreds of you each year. They are not starving and can afford to do the right thing for you even if it means referring a white coat investor to another agent occasionally. 


Disability and Term Life Insurance

Kaplan Financial

Kaplan Financial Robert B. Kaplan, Certified Financial Planner™, founder and President of Kaplan Financial, specializes in serving the unique disability and life insurance needs of over 2,500 physicians nationwide. Robert, who founded the firm in 1990, is a former CPA with Ernst & Young and has been married to a practicing physician for over 25 years. Robert is a recognized sales leader among disability insurers and was recently named as one of America’s Top Financial Security Professionals by Forbes magazine. He works with a broad range of insurers to find the best combination of policy features, cost, and financial strength for you. As a result, he is able to make informed recommendations based on objective research and your individual needs.

Kaplan Financial is the place to go for objective and experienced financial advice, discounted rates on individual disability insurance, and a long-term commitment of superior service.

Testimonials and Additional Information

Contact Info:

16030 Ventura Boulevard
Suite 600
Encino, CA 91436
(818) 783-6620
[email protected]


PearsonRavitz Application

At PearsonRavitz, we know it’s our medical expertise that sets us apart from other brokerages.

Founded by Dr. Stephanie Pearson, an OB/GYN disabled in the prime of her career, and Scott Ravitz, an insurance expert to the medical community, PearsonRavitz’s mission is to educate and empower physicians and other healthcare professionals to make informed decisions regarding disability and life insurance coverage.

We know through Dr. Pearson’s firsthand experience that insurance is complicated and oftentimes, overwhelming. We are committed to ensuring that it’s simple and transparent for you.

What you can expect from us:
+ Honest Communication
+ Purely objective advice
+ Support at every step

We’re proud to be recommended by White Coat Investor, and look forward to helping you find the proper coverage that you and your family deserve.

Take the first step by scheduling a consultation with one of our brokers, you’ll be joining thousands of healthcare professionals across the country who have chosen to protect their income with PearsonRavitz.

Testimonials and Additional Information

Contact Info:

10 East Athens Avenue Suite 208
Ardmore, Pa 19003
(610) 658-3251
[email protected]

MD Financial Services

At MD Disability Quotes, we offer “Own Specialty Discounted Disability Contracts” that pay when you are unable to perform the duties of your specific medical specialty; even if you retrain for another specialty and/or occupation and regardless of your post-disability income. We pride ourselves on our 3-step process: Design, Apply and Disclose. By designing the right policy for each specific individual physician, these disability contracts fit their specific needs according to their specialty and compensation model as well as current lifestyle.  For example, those that have a 6-month cash cushion can select a 180-day waiting period to use the savings to pay down debt now. Likewise, with Term Life Insurance, a laddered term life strategy can protect your family the right way and save you thousands in premiums over the years as you gain Financial Independence. Brokers Scott Nelson-Archer and Amber Stitt, and the team (Joe, Ryan, Gary, and Matt) have 25+ years of experience helping thousands of physicians across the country protect their future with disability income insurance and low-cost life insurance policies.  Give them a call/text or drop them an email; you will be glad you did!

Testimonials and Additional Information

Contact Info:

5555 West Loop South, Suite 500
Bellaire, TX 77401
(281) 770-8080
[email protected]

Dr Disability Quotes

Dr Disability Quotes Application

Bob Bhayani founded, a “Truly Independent” organization, on the basic principle of providing unbiased & conflict free disability planning solutions to Physicians, Residents and Fellows nationwide. We shop your business with every major insurance carrier to create a True Own Occupation policy at best possible rates with all applicable discounting.

At, we approach your desire to protect your earning capacity with care and compassion. From onset our approach is one that of friendliness, guidance and professionalism. From your initial quote request to case submission and underwriting, we will help you navigate the approval process. We will further service and keep in touch with you on all your future options and rights for your policy. Request a disability insurance quote. You could also run instant life insurance comparison quotes from various companies directly on our website.

Testimonials and Additional Information

Contact Info:

80 Route 4 East Suite 203
Paramus, New Jersey 07652
(973) 771-9100
[email protected]

Insuring Income

Insuring Income Application

Rick Warren, MBA, and Robert Thomas are independent insurance agents who specialize in working with physicians across the country. They are long time contributors & advertisers. Their approach is simple, efficient, and straightforward while also embracing the digital tools that you can find at their website, Insuring Income They will help you to select, review, and apply for disability and term life insurance. Use the instant term life quote tool HERE. They also have a unique laddered term life tool with instant pricing HERE. No personal information required.  You can even start the application at the website in under 10 minutes.

All own occupation disability insurance carriers quoted. Offering discounts for all carriers. They have a unique DI Quote Roll that shows side by side pricing results for medical residents ($5,000 monthly benefit) in all states for over 50 specialties. Request quotes for Disability Insurance from the relevant specialty specific carriers. Here is an educational video they have made about disability insurance.

Testimonials and Additional Information

Contact Info:

1 Kilby Street
Unit 41
Woburn, MA 01801
(781) 613-2104
[email protected]

Physician Financial Services

Physician Financial Services Mr. Keller has been helping physicians since 1990. There is certainly no shortage of insurance agents and/or financial advisors that work with or want to work with physicians. However, the one thing that cannot be replicated is experience. Working with an Insurance Agent that is familiar with the underwriting of both disability and life insurance policies can potentially minimize any surprises during the process.

Larry is well-known to blog readers from the more than a dozen guest posts he has published on disability insurance and life insurance planning since 2012, as well as, being a Platinum Level Contributor to the WCI Medical School Scholarship since its inception in 2015. He will also be speaking again at this year's Physician Wellness and Financial Literacy Conference (WCICON22).

While he might not be a doctor’s first phone call regarding their insurance needs, he is often their last. Request a Disability Insurance Quote or a Term Life Insurance Quote today.

2021-131150 Exp. 12/2023

Testimonials and Additional Information

Contact Info:

225 Broadhollow Road, Suite 115
Melville, NY  11747
(516) 677-6211
[email protected]

MR Insurance Consultants

MR Insurance Consultants  Michael Relvas is a CFP professional and independent insurance agent that helps physicians and physician families nationwide with their disability insurance needs. He was the first disability insurance advertiser on the site, has contributed several guest posts over the years, and has helped many blog readers with their insurance needs. He’s very approachable and can help with comparing the top physician disability policies so you can make a truly informed decision on the policy that best suits your personal needs, or review your existing policies to confirm they include the proper features at a competitive price.

Testimonials and Additional Information

Contact Info:

9200 Corporate Blvd., Suite 390, Rockville, MD 20850
(800) 817-4522
[email protected]

PKA Insurance Group

PKA Insurance Group Inc. is an independent insurance agency with a focus on Disability and Life insurance. They represent all the own occupation disability insurance carriers.   Pradeep Audho and Matthew Pedersen have over 30 years of combined experience helping clients with Disability and Life insurance. They use their experience to educate you on your options, find all discounts available, and make the application process as easy as possible for you. You can be confident you’re getting the right coverage for the best price.   Many of their clients are immigrant physicians as PKA Insurance Group is very experienced with the complications they may encounter when purchasing insurance products on a work-visa or as a non-US citizen.   You can request a disability quote here.  And you can also run instant Term Life insurance quotes by clicking here.

Testimonials and Additional Information

Contact Info:

505 Middlesex Turnpike, Suite 16
Billerica, MA 01821
(800) 258-1018
[email protected]


At Pattern, we know that you want to be confident and in control of your finances. In order to do that, you need to buy disability and life insurance.

The problem is researching insurance is complicated and takes too much time, which can make you feel overwhelmed and unsure of who you should trust. We know that your time is valuable and believe doctors have more important things to do than worry about insurance.

This is why thousands of doctors have trusted us to help them compare and understand the insurance they're buying.

Here's how we do it:

  • Request your quotes.
  • Compare your options.
  • Buy risk-free.

So, request your quotes today so you can stop wasting time and feeling overwhelmed, and instead, save money and spend time on the things you love, being confident your family and income are protected.

Testimonials and Additional Information

Contact Info:

10855 W Dodge Rd, Ste 220
Omaha, NE 68154
(888) 848-0786
[email protected]

Home and Auto Insurance

StoneBriar Insurance Group

Stonebriar Insurance Group specializes finding the best HOME and AUTO insurance coverage in the marketplace. Jared Rossi, the owner of an independent property and casualty insurance brokerage, is able to provide numerous options for insurance to his clients because he represents over 100 top rated insurance companies. When choosing an insurance agency, you want a company that you can trust. Because we are an independent, privately held firm, we do not work for any specific insurance company; we work for you! Due to this relationship and over 20 years of experience, you can feel confident that we are looking out for your best interests and providing the best combination of service, coverage and price. We are located in Texas, but can provide insurance in AL, AR, AZ, CA, CO, FL (auto only), IL, KS, KY, LA, MS, ME, MO, NC, ND, NY, OH, OK, SC, TN, and VA.

Contact Info:

Jared (469) 362-5300
[email protected]

Health Insurance

Milton Park Partners

Milton Park Partners provides independent contractors with Fortune 500 type benefits by adding you to a large group for increased buying power. There are five plans with Blue Cross & Blue Shield (see rate card on our website) as well as Health Savings Account, financial planning401(k), and retirement plan options. The process is simple: you make a small capital contribution to become a limited partner in a partnership with other independent contractors. Now as a partner, you are eligible for these benefits. Set up a call to see if you qualify.

Insurance agents- Currently we are not taking applications for new disability or term life insurance agents. Please email any questions to [email protected].