Physician Financial Services

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.

Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF has been helping physicians since 1990. Unlike medicine, which has a standardized path that physicians must take to gain the education, training, and experience requirements necessary to obtain board certification, the insurance and financial services industry does not. Recognizing that a physician's time is limited, and to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations.

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.

While he might not be a doctor’s first phone call regarding their insurance needs, he is often their last.

225 Broadhollow Road, Suite 115
Melville, NY 11747

(516) 677-6211

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What to Know About Disability

  • 1 in 7 physicians end up having to use their disability insurance.
  • Residents physicians typically buy a $5,000 per month benefit and attendings a benefit in the $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

Why You?

First and foremost, I believe in educating potential clients to help them find the policy or policies that best meet their individual needs, goals and budget. Disability insurance planning is very much like a Rubik’s Cube. The first time you see it with the colors scrambled, you can’t imagine ever having the ability to solve puzzle. However, once you do it, your goal is to solve it faster using a more efficient method and fewer moves—at least that’s my goal as an agent. This is where experience comes into play and, like medicine, it is the one thing that cannot be replicated.

I also tend to know of or have access to some unique offerings such as Guaranteed Standard Issue (GSI) disability insurance plans, unisex rates and discounts at specific institutions.

Ideal Client

My ideal client is one that values speed, accuracy and expertise. I pride myself in responding quickly and accurately to questions and inquiries. If there are exclusive discounts or Guaranteed Standard Issue (GSI) disability insurance plans available to a potential client, I will disclose them and provide the name and contact information for the “Endorsed” Agent if it is in their best interest – even if it is something I cannot offer or be compensated for myself.


Due to FINRA (Financial Industry Regulatory Authority, Inc.) compliance issues, Physician Financial Services is not allowed to list testimonials.  If you are looking for reader feedback please contact [email protected].

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 355 Lexington Avenue, 9th Floor, New York, NY 10017, 212-541-8800. Securities products and advisory services are offered through PAS, member FINRA, SIPC. Financial Representative, The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian. AR Insurance License #1057229, CA Insurance License #0C37340. 2021-131150 Exp. 12/2023