Medical Residents

• What is your most significant financial asset?



• Is it your car?



• Is it your home?



• Is it your future savings?

• you have spent significant years educating yourself.



• you have spent significant dollars



• If illness or injury prevents you from starting your career, or ever working, what is the effect on your income?



• How do you protect your future income now?

• Many quality companies guarantee you can purchase a beginning monthly disability benefit of $3500. You can purchase this benefit regardless of your current income as a medical resident or intern. (normally the amount you can purchase is based on your annual income) Not here.



• You can include an option with your policy that guarantees the purchase of additional monthly benefit in the future as your income increases regardless of your health. This is a significant way to protect your future earning power now. Without this option, you could be locked out of purchasing additional coverage in the future if your health has changed. You could also encounter a situation where you could purchase additional coverage in the future but have an exclusion for your back if you have had back problems. This can all be avoided if you have included the guaranteed future purchase option in your policy.

• The amount you pay for a disability contract is based on your age? The younger you are, the lower the cost.



• Medical Economics recommends you purchase a Non-Cancelable and Guaranteed Renewable policy. Non-Cancelable and Guaranteed Renewable are features your policy must contain if you want secure protection. These features insure your premium is guaranteed to remain level to age 65 and the insurance company can not change any policy benefits or provisions and can not cancel the policy.



• Your student loans are still your obligation even if you are injured or can’t work for any reason.

• We specialize in the physician market providing the best disability income protection policies available with no exception. We shop the market for you utilizing only the highest rated insurance carriers.



• We work for you not an insurance company.



• We have been working exclusively with physicians and dentists for the last 28 years. As a result, we are sensitive to your busy schedule and we respect your time. We understand the crucial features a disability policy must have to protect your income. We will build the policy to meet these requirements along with your desire and special needs.