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There’s a lot of confusion and speculation behind pricing special disability coverage. You might feel so overwhelmed by the wave of information that you put it off until you really need it. By then, your rates have skyrocketed beyond repair. READ MORE

Some physicians rely on group insurance policies from employers. This saves money in the short term, but what happens when you move on to an employer that doesn’t offer coverage? Or open your own practice?… READ MORE

Healthy, young, non-smoking physicians typically think they can get away without having disability insurance. It makes sense — insurance can seem foolish when you’re healthy.
But what happens if you get sick?… READ MORE

The decision to purchase disability insurance is not always easy. After all, there are plenty of other things you could do with that money. And if your budget is tight, the decision gets even harder. Most clients want to know if they are at risk of becoming disabled.… READ MORE

When money is tight, it can be tempting to pick up a disability policy with a cheaper premium. But that’s not always the best financial move for you. Often the policy that is cheaper today will cost you far more money tomorrow.… READ MORE

Many physicians hesitate to get disability coverage because they fear rising costs over time. There are plenty of horror stories of companies raising rates and terms unexpectedly, leaving doctors without the coverage they desperately need.… READ MORE

Most physicians know about term insurance. It’s cheap, and if you die, your family gets paid quite a bit of money. Whole life insurance is another matter entirely. It is more expensive, more complicated, and typically pays a smaller death benefit.… READ MORE

This is a more personal episode than we’ve done lately, but with all that’s going on in the world right now, it seemed like the perfect time to explain why we at PPG love working with you. Having worked with thousands of physicians around the country, we have come to realize that there are a number of traits that really make doctors a special group of people, and in this episode Billy will discuss why you make the world a better place and the insurance business more enjoyable.… READ MORE

Being a physician can be extremely difficult. Long hours, tough working conditions, and having to witness life-altering medical conditions and even death on a regular basis. It can take a serious toll on your mental and emotional state.… READ MORE

You realize that it is essential to purchase disability insurance coverage as soon as possible, even before you’ve finished your training. But what happens when your income starts to increase, and the policy you have would no longer cover your expenses in the event that you couldn’t work.… READ MORE

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