Insurance is the practice of sharing risk. The classic example is fire insurance. Everybody in town pays a little so that the one person whose house burns down receives a sum of money to replace it. There is always a cost to insurance. Since an insurance company has expenses, including profit, the amount an insurance company pays out in benefits can never equal, much less exceed, the sum of the premiums an insurance company collects. Thus, insurance is a losing proposition. On average, you will lose money buying insurance. But in some aspects of your financial life, having a bad event occur, even a rare one, is so terrible that it is worth paying a price to avoid it. For a typical doctor or another high-income professional, two of the biggest financial catastrophes worth insuring against are disability and life.

The White Coat Investor is paid for making introductions to insurance agents. Insurance is complicated and you are responsible for researching, evaluating and conducting your own due diligence on any agent and company with whom you transact business and on making sure you purchase the right policy for your situation. If you choose to purchase an insurance policy from any agent listed on any of our websites, White Coat Insurance Services, LLC may be named as an agent on the policy and be paid a portion of the commissions on your purchase.

What type of insurance are you interested in?

Disability Insurance for Physicians

The greatest financial risk for physicians is losing the ability to turn the knowledge and skills they spent a decade learning into a huge pile of money by working in their profession for decades.

One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career, which is why disability insurance is critical to your financial plan. To learn more about disability insurance click here.

Please do not contact every single one of our recommended agents for 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. Please make sure the policies you compare have the same riders and options, so that you get the best possible coverage for your personal needs.

Best Disability Insurance Companies for Doctors:

(855) DI4-DOCS ext. 101
[email protected]
(855) DI4-DOCS ext. 101
[email protected]

Doc Insure LLC

When you need DI, think DI! Doc Insure is the newest company on this list but was founded by one of the most experienced advisors in the entire disability insurance industry, Matthew Wiggins. Matt has educated and worked with over 15,000 doctors in his almost 20-year career and has been a financial educator at dozens of training institutions across the country including Mayo Clinic, Kaiser Permenente, Cleveland Clinic, and more. Matt started Doc Insure to get back to personally meeting with individual doctors like you! Request your quotes today and Matt will personally help you compare your best discounted options and get the best policy for you!

Our experience means:

  • Individualized recommendations that fit your needs personally
  • Best discounted rates that are locked in for the life of the policy
  • Simple and easy all-online interface means less of your time needed to get this done!

Request Your Personalized Quotes Today

See Details
(855) DI4-DOCS ext. 101
[email protected]

Doc Insure LLC

When you need DI, think DI! Doc Insure is the newest company on this list but was founded by one of the most experienced advisors in the entire disability insurance industry, Matthew Wiggins. Matt has educated and worked with over 15,000 doctors in his almost 20-year career and has been a financial educator at dozens of training institutions across the country including Mayo Clinic, Kaiser Permenente, Cleveland Clinic, and more. Matt started Doc Insure to get back to personally meeting with individual doctors like you! Request your quotes today and Matt will personally help you compare your best discounted options and get the best policy for you!

Our experience means:

  • Individualized recommendations that fit your needs personally
  • Best discounted rates that are locked in for the life of the policy
  • Simple and easy all-online interface means less of your time needed to get this done!

Request Your Personalized Quotes Today

See Details

Insuring Income

Our team of independent brokers would like to put their collective 50+ years of experience to work for you and help you protect your income via an own occupation (specialty-specific) disability insurance policy. For almost 10 years we have helped members the White Coat Investor community lock in disability policies that serve them well now &throughout their careers, are curated to the individual’s unique needs, and of course – capture the best available discounts.

Getting started only takes a few minutes in our link and then we go to work for you. We’ll develop your personalized proposals from all the major carriers and ensure they include the riders and policy structure that best fits what you are seeking. We then guide you through the review process so you can make the best decision on the policy setup and which carrier gets the chance to earn you as a policyholder.

See Details
(781) 613-2104
[email protected]

Insuring Income

Our team of independent brokers would like to put their collective 50+ years of experience to work for you and help you protect your income via an own occupation (specialty-specific) disability insurance policy. For almost 10 years we have helped members the White Coat Investor community lock in disability policies that serve them well now &throughout their careers, are curated to the individual’s unique needs, and of course – capture the best available discounts.

Getting started only takes a few minutes in our link and then we go to work for you. We’ll develop your personalized proposals from all the major carriers and ensure they include the riders and policy structure that best fits what you are seeking. We then guide you through the review process so you can make the best decision on the policy setup and which carrier gets the chance to earn you as a policyholder.

See Details

Jeffrey Benowitz CLU, ChFC

With a wealth of experience spanning over 30 years, I specialize in guiding physicians through the intricacies of the disability insurance landscape. I emphasize the pivotal role of education in your decision-making process. My goal is to equip you with an understanding of the companies catering to your specialty, ensuring you are well-versed in the benefits and riders of each policy.
Recognizing the uniqueness of each client, I empower you to make informed decisions tailored to your individual needs, safeguarding your most valuable asset: your income. My dedication to continuous education is underscored by my Chartered Life Underwriter and Chartered Financial Consultant designations. I am proud to be recognized as one of America's Top Financial Security Professionals by Forbes Magazine.

Get a quick quote request today!

See Details
201-843-7700
[email protected]

Jeffrey Benowitz CLU, ChFC

With a wealth of experience spanning over 30 years, I specialize in guiding physicians through the intricacies of the disability insurance landscape. I emphasize the pivotal role of education in your decision-making process. My goal is to equip you with an understanding of the companies catering to your specialty, ensuring you are well-versed in the benefits and riders of each policy.
Recognizing the uniqueness of each client, I empower you to make informed decisions tailored to your individual needs, safeguarding your most valuable asset: your income. My dedication to continuous education is underscored by my Chartered Life Underwriter and Chartered Financial Consultant designations. I am proud to be recognized as one of America's Top Financial Security Professionals by Forbes Magazine.

Get a quick quote request today!

See Details

MD Disability Quotes

For over three decades, Scott and Amber at MDDisabilityQuotes have been assisting doctors at every stage of their careers with a straightforward and honest approach. We offer unbiased guidance to clients and tailor contracts to meet specific needs and expectations. From “Max” to “Mini” contracts, all with “Stacked Discounts,” we customize for optimal performance.

We understand that you have a busy schedule, which is why we've determined that 95% of policies can be determined with 3 questions:

  1. What type of definition of disability do you want?
  2. What type of premium structure do you want?
  3. How long do you want to wait before benefits start being paid?

After obtaining your age, gender, medical specialty, and state of residency, it becomes evident which contract offers the best value for you.

Request your quotes today so that you can finalize this project, lock-in discounts, as well as your health status!

See Details
(281) 770-8080
[email protected]

MD Disability Quotes

For over three decades, Scott and Amber at MDDisabilityQuotes have been assisting doctors at every stage of their careers with a straightforward and honest approach. We offer unbiased guidance to clients and tailor contracts to meet specific needs and expectations. From “Max” to “Mini” contracts, all with “Stacked Discounts,” we customize for optimal performance.

We understand that you have a busy schedule, which is why we've determined that 95% of policies can be determined with 3 questions:

  1. What type of definition of disability do you want?
  2. What type of premium structure do you want?
  3. How long do you want to wait before benefits start being paid?

After obtaining your age, gender, medical specialty, and state of residency, it becomes evident which contract offers the best value for you.

Request your quotes today so that you can finalize this project, lock-in discounts, as well as your health status!

See Details

DrDisabilityQuotes.com

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

At DrDisabilityQuotes.com, they will approach your desire to protect your earning capacity with care and compassion. From onset, the approach is one that of friendliness, guidance and professionalism. From your initial quote request to case submission and underwriting, they will help you navigate the approval process. They will also service your policy and keep in touch with you on all your future options and rights.

Request a disability insurance quote.

See Details
(973) 771-9100
[email protected]

DrDisabilityQuotes.com

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

At DrDisabilityQuotes.com, they will approach your desire to protect your earning capacity with care and compassion. From onset, the approach is one that of friendliness, guidance and professionalism. From your initial quote request to case submission and underwriting, they will help you navigate the approval process. They will also service your policy and keep in touch with you on all your future options and rights.

Request a disability insurance quote.

See Details

Kaplan Financial

You’re busy. You want expert advice, fast and easy, a no-nonsense approach that helps you choose from the best products at the lowest prices that fits your budget and your situation, professionally and personally, for today and your future. With over 30 years of physician-specific insurance experience and access to hospital discounts and no medical underwriting GSI programs (UCLA, Mayo Clinic, NewYork-Presbyterian, Kaiser and others), I am able to expertly simplify and personalize the acquisition process. You are important to me, so you get me, not an employee, as your independent insurance broker – a CERTIFIED FINANCIAL PLANNER™ professional and one of America’s Top Financial Security Professionals as named by Forbes Magazine.

Request your Disability Quote

See Details
(818) 783-6620
[email protected]

Kaplan Financial

You’re busy. You want expert advice, fast and easy, a no-nonsense approach that helps you choose from the best products at the lowest prices that fits your budget and your situation, professionally and personally, for today and your future. With over 30 years of physician-specific insurance experience and access to hospital discounts and no medical underwriting GSI programs (UCLA, Mayo Clinic, NewYork-Presbyterian, Kaiser and others), I am able to expertly simplify and personalize the acquisition process. You are important to me, so you get me, not an employee, as your independent insurance broker – a CERTIFIED FINANCIAL PLANNER™ professional and one of America’s Top Financial Security Professionals as named by Forbes Magazine.

Request your Disability Quote

See Details

MR Insurance Consultants

At MR Insurance Consultants we believe that disability insurance can be made simple, and that an efficient purchasing process can be provided without sacrificing service, honesty or transparency. Disability insurance is important and expensive – it's worth taking some time to understand and evaluate before making a decision. We provide our clients with personalized proposals from the leading own-occupation disability insurance carriers (including all applicable discounts, even exclusive ones), help thoroughly and objectively review all of the options without skimping on the details (even when some options are exclusively available through other agents), and assist in making decisions based on each individual's unique circumstances (one size does not fit all). We work with physicians throughout all stages of their career, when first purchasing a policy and when in need of reviewing/updating an existing policy.

See Details
(800) 817-4522
[email protected]

MR Insurance Consultants

At MR Insurance Consultants we believe that disability insurance can be made simple, and that an efficient purchasing process can be provided without sacrificing service, honesty or transparency. Disability insurance is important and expensive – it's worth taking some time to understand and evaluate before making a decision. We provide our clients with personalized proposals from the leading own-occupation disability insurance carriers (including all applicable discounts, even exclusive ones), help thoroughly and objectively review all of the options without skimping on the details (even when some options are exclusively available through other agents), and assist in making decisions based on each individual's unique circumstances (one size does not fit all). We work with physicians throughout all stages of their career, when first purchasing a policy and when in need of reviewing/updating an existing policy.

See Details

PKA Insurance Group, Inc.

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.

See Details
(800) 258-1018
[email protected]

PKA Insurance Group, Inc.

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.

See Details

Physician Financial Services

Finding the right disability policy is easy. Other than cost, there are only a few contractual provisions that differ from one policy to another. There are plenty of people in my industry who believe they need to dumb things down for you and that researching insurance is complicated, overwhelming and may be time consuming. As a result, you are presented with a spreadsheet that highlights certain insurance companies and specific policy provisions, which are deemed important to the agent or broker making the presentation.

Unfortunately, this technique may potentially lead you down a decision-making path that you might not have taken had you received full disclosure. With significant income potential at risk, a long-term disability may leave you financially devastated. Don’t take the purchase of disability insurance lightly—your entire financial future may one day depend on it.

See Details
(516) 677-6211
[email protected]

Physician Financial Services

Finding the right disability policy is easy. Other than cost, there are only a few contractual provisions that differ from one policy to another. There are plenty of people in my industry who believe they need to dumb things down for you and that researching insurance is complicated, overwhelming and may be time consuming. As a result, you are presented with a spreadsheet that highlights certain insurance companies and specific policy provisions, which are deemed important to the agent or broker making the presentation.

Unfortunately, this technique may potentially lead you down a decision-making path that you might not have taken had you received full disclosure. With significant income potential at risk, a long-term disability may leave you financially devastated. Don’t take the purchase of disability insurance lightly—your entire financial future may one day depend on it.

See Details

Life Insurance for Physicians

The purpose of life insurance is to eliminate the financial consequences of your death. Doctors should buy the cheapest, long-term, level-premium term life insurance policy. To learn more about life insurance click here.

Best Life Insurance Companies for Doctors:

(855) DI4-DOCS ext. 101
[email protected]
(855) DI4-DOCS ext. 101
[email protected]

Doc Insure LLC

You can get cheap term life insurance anywhere, so how do you know where to get it and who can best help you to make the best choice? Life insurance is not just about price and there are several other key factors to getting the policy that best fits your needs and can protect you and your loved one's as your needs change. At Doc Insure, founder Matthew Wiggins brings his nearly 20 years of experience of educating and working with over 15,000 doctors to cater recommendations to you personally, based on more factors than just price. Get your term life insurance done right, the first time through Doc Insure!

Request your quotes today!

See Details
(855) DI4-DOCS ext. 101
[email protected]

Doc Insure LLC

You can get cheap term life insurance anywhere, so how do you know where to get it and who can best help you to make the best choice? Life insurance is not just about price and there are several other key factors to getting the policy that best fits your needs and can protect you and your loved one's as your needs change. At Doc Insure, founder Matthew Wiggins brings his nearly 20 years of experience of educating and working with over 15,000 doctors to cater recommendations to you personally, based on more factors than just price. Get your term life insurance done right, the first time through Doc Insure!

Request your quotes today!

See Details

Insuring Income

We focus on two things, term life insurance & own occupation disability insurance, and we would like to put that specialization to work for you. We have helped hundreds of physicians and white collar professionals lock in high-quality term life insurance to provide for their families, business partners, and those they hold dear. And, without any “whole life” noise, not our style.

As independent brokers, we work with all the major life insurance carriers that are A rated or higher by AM Best®. We will help you develop a term. or laddered term, life insurance solution that provides for those you care about and ensures you are not spending more money than you need to for the protection you want. Our instant quote tool is available at our site and requires no personal information to start your price research. Or, please reach out to us directly for a free consultation.

See Details
(781) 613-2104
[email protected]

Insuring Income

We focus on two things, term life insurance & own occupation disability insurance, and we would like to put that specialization to work for you. We have helped hundreds of physicians and white collar professionals lock in high-quality term life insurance to provide for their families, business partners, and those they hold dear. And, without any “whole life” noise, not our style.

As independent brokers, we work with all the major life insurance carriers that are A rated or higher by AM Best®. We will help you develop a term. or laddered term, life insurance solution that provides for those you care about and ensures you are not spending more money than you need to for the protection you want. Our instant quote tool is available at our site and requires no personal information to start your price research. Or, please reach out to us directly for a free consultation.

See Details

Jeffrey Benowitz CLU, ChFC

In my 30-year career, I have assisted clients in implementing life insurance death benefits exceeding $1,200,000,000. With extensive expertise in the life insurance space, I can access insurance companies that align with your needs and budget. I am committed to educating you on the appropriate insurance amount, determined by assessing your human life economic value. Together, we will establish the optimal timeframe for your insurance and assess if any policy riders are suitable. I look forward to collaborating with you to secure the future for both you and your family.

See Details
201-843-7700
[email protected]

Jeffrey Benowitz CLU, ChFC

In my 30-year career, I have assisted clients in implementing life insurance death benefits exceeding $1,200,000,000. With extensive expertise in the life insurance space, I can access insurance companies that align with your needs and budget. I am committed to educating you on the appropriate insurance amount, determined by assessing your human life economic value. Together, we will establish the optimal timeframe for your insurance and assess if any policy riders are suitable. I look forward to collaborating with you to secure the future for both you and your family.

See Details

Medical Malpractice Insurance

Medical malpractice is a subject that many doctors spend a lot of time thinking about. Professional liability insurance, or medical malpractice insurance, protects physicians and dentists against the financial catastrophe of losing a lawsuit or having to settle a lawsuit due to committing medical malpractice. This is likely the most expensive insurance policy they will ever buy, and physicians in some locations and specialties have spent over $100,000 a year on malpractice premiums alone.

Where to get Malpractice Insurance:

Risk Strategies

The Risk Strategies Medical Malpractice Insurance Team brings a deep understanding of the evolving needs of physicians, as you encounter rising litigation, and the costs associated with both protecting and defending yourselves. We create comprehensive and cost-effective solutions to fit your specific pain points.

As the largest broker in the nation for some of the top malpractice insurance carriers, our practice offers a well-rounded approach to risk management, with ample connections and resources to set you up for success. You will receive fresh insights on the everchanging market, solutions to your most pressing issues, and a team of experienced insurance professionals readily available to you.

Request a Medical Malpractice Insurance Quote!

See Details
(484) 302-6841
[email protected]

Risk Strategies

The Risk Strategies Medical Malpractice Insurance Team brings a deep understanding of the evolving needs of physicians, as you encounter rising litigation, and the costs associated with both protecting and defending yourselves. We create comprehensive and cost-effective solutions to fit your specific pain points.

As the largest broker in the nation for some of the top malpractice insurance carriers, our practice offers a well-rounded approach to risk management, with ample connections and resources to set you up for success. You will receive fresh insights on the everchanging market, solutions to your most pressing issues, and a team of experienced insurance professionals readily available to you.

Request a Medical Malpractice Insurance Quote!

See Details

Umbrella Insurance

Umbrella insurance is a type of insurance that goes above the limits and coverages of any of your other insurance policies. If you have a claim against your car insurance or your homeowner's insurance, that policy will only cover you up to a certain limit. If you don't have an umbrella insurance policy, you will have to pay for any extra amount that you owe, which can be quite costly, especially if you have a high net worth and lots of assets. An umbrella policy can help protect your assets in these situations and is usually very reasonably priced. To learn more about umbrella insurance click here.

Health Insurance

As a physician, you, more than most people, know the importance of health insurance to help out with the sometimes incredibly high costs of medical care. It doesn’t matter if you’re working for a large hospital, your own private practice, or anywhere in between, choosing the right health insurance plan is an essential step in keeping yourself and your family healthy without spending an arm and a leg on medical bills yourself. Even if you’ve mastered the medical provider side of health insurance, it’s essential to spend the time to understand your health plan options, the costs involved, and which health insurance option makes the most sense for you. You can learn more about health insurance for employees here and for the self employed here.

Auto & Property Insurance

If you have a car, you need auto insurance to protect yourself in case of an accident. That's the law. If you own property, you need homeowners insurance, and while that's not legally mandated, you absolutely need it. Otherwise, a disaster at your place of residence could cost you hundreds of thousands of dollars.

Car 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, CO, IL, KS, KY, LA, MS, ME, MO, NC, ND, OH, OK, SC, TN, and VA.

See Details
(469) 362-5300
[email protected]

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, CO, IL, KS, KY, LA, MS, ME, MO, NC, ND, OH, OK, SC, TN, and VA.

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Tampa Bay Insurance LLC DBA Tellico Lake Insurance

Tampa Bay Insurance LLC DBA Tellico Lake Insurance has 20 years of dedicated service. We're your trusted family-owned insurance agency, serving folks in Florida, Tennessee, North Carolina, and Georgia. At Tampa Bay Insurance, we're all about personal care and exceptional service. We're just a phone call away and treat you like family, not just a policy number. Whether it's home, auto, flood, or commercial coverage you need, we've got you covered. Our deep industry know-how and strong network of insurance partners ensure we find the perfect fit for your unique needs. Experience the Tellico Lake Insurance difference, where personal touch meets professional expertise, giving you peace of mind every step of the way.

See Details
(727) 372-5559
[email protected]

Tampa Bay Insurance LLC DBA Tellico Lake Insurance

Tampa Bay Insurance LLC DBA Tellico Lake Insurance has 20 years of dedicated service. We're your trusted family-owned insurance agency, serving folks in Florida, Tennessee, North Carolina, and Georgia. At Tampa Bay Insurance, we're all about personal care and exceptional service. We're just a phone call away and treat you like family, not just a policy number. Whether it's home, auto, flood, or commercial coverage you need, we've got you covered. Our deep industry know-how and strong network of insurance partners ensure we find the perfect fit for your unique needs. Experience the Tellico Lake Insurance difference, where personal touch meets professional expertise, giving you peace of mind every step of the way.

See Details