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. Learn more about disability insurance here.

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What to Know About Disability

  • 1 in 7 physicians end up having to use their disability insurance.
  • Resident physicians typically buy a $5,000 per month benefit and attendings 10,000-$15,000 per month range.
  • A typical policy purchased early in your career will cost between $200-$600 per month.
  • Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face.
  • Insure well!

Learn More About Disability Insurance

How Much Disability Insurance Should You Buy?
What Disability Insurance Riders Do Doctors Need to Buy?
How to Buy Disability Insurance
Disability Insurance for Physician Couples
Why Doctors need Own Occupation Disability Insurance Policies

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. Learn more about life insurance 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!

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(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!

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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.

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(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.

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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.

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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!

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(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. Learn more about umbrella insurance 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 insurance 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 in finding the best HOME and AUTO insurance coverage in the marketplace. Jared Rossi, the owner of this 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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(469) 362-5300
[email protected]

Stonebriar Insurance Group

Stonebriar Insurance Group specializes in finding the best HOME and AUTO insurance coverage in the marketplace. Jared Rossi, the owner of this 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.

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(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.

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