Free Quotes & World Class Service
Insuring Income is the only insurance shop that you need to help review options for instant term life insurance and instant disability insurance quotes. The disability policies that we quote can protect you in your specific occupation. We specialize in disability insurance for physicians and dentists. With one of these policies, you could receive the entire monthly benefit even if you are working in another occupation.
America’s Top
Insurance Companies
We have relationships with most of America’s top rated term life insurance and disability insurance companies, enabling us to find the best solution for you.
Speedy Underwriting
Work with Insuring Income to get your life or disability insurance application approved as efficiently as possible. Experienced with just about every medical condition when it comes to underwriting.
Disability Insurance for
Physicians and Dentists
Working with the top specialty specific disability insurance carriers. Gain the peace of mind of knowing that if a sickness or injury prevents working in a medical specialty that a total claim could be possible with the right policy from the right company.
Insurance proposals from the top carriers
We have relationships with most of America’s top rated term life insurance and disability insurance companies, enabling us to find the best solution for you.
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Recent Records
Most Recent Disability Insurance Quotes
| Company | Insurance Company Name | Monthly Benefit | Annual Premium | Monthly Premium | Annual Cost Per $100 | ||
|---|---|---|---|---|---|---|---|
 |
Ameritas Cornerstone | $10,000 | $5,689.12 | $489.83 | $4.74 | ||
|
Ameritas Cornerstone | $2,500 | $648.90 | $56.36 | $2.16 | ||
 |
Guardian Provider Choice Premier | $5,000 | $2,061.08 | $176.91 | $3.44 | ||
|
Ameritas Cornerstone | $5,000 | $1,257.81 | $108.73 | $2.10 | ||
|
Guardian Provider Choice Premier | $5,000 | $1,367.72 | $117.40 | $2.28 | ||
|
Guardian Provider Choice Premier | $2,500 | $1,094.66 | $93.96 | $3.65 | ||
|
Guardian Provider Choice Premier | $2,500 | $698.86 | $59.99 | $2.33 | ||
 |
Mass Mutual Radius Choice | $5,000 | $1,892.80 | $163.57 | $3.15 | ||
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Principal HH750 | $5,000 | $1,320.55 | $115.64 | $2.20 | ||
 |
Standard Platinum Advantage | $5,000 | $1,432.54 | $125.35 | $2.39 | ||
We understand how important it is to save money wherever and whenever possible. It is important to review your insurance portfolio to find ways to save money. Feel free to use our quote tools with no commitments.
Term life insurance quotes can be ran without providing a name, email, or phone number. Many of our clients tell us that they no longer need to worry about finding an insurance agent as life changes and insurance needs to be purchased or reviewed. We take great pride in this.
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Most Recent Term Life Insurance Quotes
| Term Insurance Amount | Top Company | Annual | Monthly | Type | Age | Gender |
|---|---|---|---|---|---|---|
| $4,000,000 |
$1,134.00 |
$97.52 |
10 Year Level Term Guaranteed |
41 |
Male |
|
| $10,000,000 |
American General (AIG) |
$6,807.00 |
$575.19 |
To Age 65 Level Guaranteed |
34 |
Male |
| $2,000,000 |
$2,219.22 |
$184.93 |
20 Year Level Term Guaranteed |
47 |
Male |
|
| $500,000 |
$564.50 |
$47.04 |
30 Year Level Term Guaranteed |
39 |
Male |
|
| $1,000,000 |
William Penn Life (sold as Banner Life in other states) |
$605.23 |
$51.44 |
25 Year Level Term Guaranteed |
34 |
Male |
We understand how important it is to save money wherever and whenever possible. It is important to review your insurance portfolio to find ways to save money. Feel free to use our quote tools with no commitments.
Term life insurance quotes can be ran without providing a name, email, or phone number. Many of our clients tell us that they no longer need to worry about finding an insurance agent as life changes and insurance needs to be purchased or reviewed. We take great pride in this.
Meet our agents Rick Warren Jr., MBA
Co-Owner, Insurance Broker
Rick has been in the life and disability insurance business for 10 years. Since the majority of the individuals that work with Insuring Income are physicians and dentists, Rick has gained an expert level understanding of the intricacies of policy design. Rick prides himself in the work he does to find clients the absolute best term life health class along with looking for savings for clients wherever they can be had.
Contact this AgentMeet our agents Rob Thomas
Insurance Specialist
Rob joined Insuring Income in 2020. He’s been an insurance specialist since 2015, and joined the team because he believes in the value the brand delivers in life and disability insurance.
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Dr. Matt
Anesthesiologist
I had a great experience working with Rick through Insuring Income. They helped me figure out which type of term life insurance was most beneficial for myself and my family and were quick to give me quotes for many different scenarios. They talked me through everything needed to apply and purchase insurance and were always quick with answers to questions I had. Lastly, they are continuing to shop around for me, just to make sure I got the best price for the product I chose. All in all, you can use Insuring Income with confidence that you will get the best deal for the best product.
Dr. Eric
Emergency Medicine Physician
Rick did an excellent job exploring my needs and then finding policies that matched well, and then they were able to get me a great deal on well-matched policies for disability income protection and life insurance. I was impressed by their prompt attention to my questions, their generous availability by convenient means of communication (email, text, phone), and their expertise in the available policies and insurance companies. With the level of service provided by these guys, there really is no need to have an agent who is geographically close to where you live.
Mrs. Laura
Management Consultant
Hello I’d like to share my positive and easy experience that I had working with the team at Insuring Income. I was referred to them by a friend and the communication from Insuring Income was pleasant, reassuring, helpful, professional and most of all easy. I never felt pressure nor was I bombarded with emails. The team was there to support me and walk me through any questions or concerns I had. Including the arrangement of the medical testing which was also done at my convenience and with ease and professionally. I’m a busy Wife, Mom and Employed person who didn’t have much time like most folks yet the team at Insuring Income made everything I needed to do with great ease and they answered all my concerns and questions.
Mr. Mark
Firefighter
What a difference it was going through this company to get life insurance. I had tried through a company that my work had referred and it was a disaster, my monthly cost doubled from the quote. Working with Rick, he actually lowered the monthly cost from the quote. He was a true advocate for me and put me first. It was a great feeling knowing what was going on and being informed of the status of the application during the whole process. If the chance came to work with Rick again, I would in a heartbeat. I am going to send my family and friends to Rick.
Dr. Anna
Neurosurgeon
These guys were fantastic every step along the way! They always kept in close contact with me throughout the process of acquiring life insurance and made a complicated process very simple. I would wholeheartedly recommend Insuring Income!
Dr. A
Emergency Medicine Physician
This is THE person you want to go to for all your insurance needs!! Believe me he will beat the best offer you have on hand from others!! I got an incredible deal from a reputed company for a 20 year term life policy. I got at least a 20% better rate than my previous best rate I got from ‘trusted’ sources. I am going for every insurance need I will ever have with Rick. I very strongly recommend them for all your insurance needs. Trust me you won’t be disappointed. It was great working with them. And NO I am not paid, nor am I his relative or friend to write this recommendation.
Dr. Diane
Chiropractor
Rick have helped immensely in providing excellent advice as to what we need to do in order to help our family both save for the future and protect ourselves in the event of a loss. I have and would recommend them to my family members and friends who want to ensure their futures as well.
Dr. George
Radiologist
As I started 2014, I was concerned I was under insured with my term life policy. What I didn’t also realize was the disability policy I had lacked the riders necessary to get me through a partial disability, or to last me for decades in the case of full disability. Rick was able to get me better covered with my life insurance, and construct a “ladder” to give me appropriate coverage while saving me money over my old term policy by offering more carriers. Further, they corrected my disability policy adding the necessary riders and again lowering my costs by moving me to a different carrier. I feel confident now that my family and I will be covered through whatever life brings. Thank you Rick!
Dr. Ben
General Dentist
Rick at Insuring Income was wonderful to work with; they worked very hard to find a policy that was cost effective and tailored to fit my specific needs. After each interaction with them and throughout the process of looking at all the different policies out there, I always had a feeling that we were “leaving no stone unturned” and truly looking at everything available. They answered all the questions that I had and were completely transparent and honest throughout the entire process. You will not find a more thorough, ethical group of professionals to work with. I have recommended them to many colleagues and will continue to do so.
Dr. Nick
Emergency Medicine Physician
Rick, and the staff (especially Sandy!) were great to work with while setting up with life insurance and long-term disability. They were helpful in answering any questions I had and providing info regarding policies. Also, I never felt like I was being pushed in a certain direction or sold something that I didn’t need, which is so prevalent with life insurance. Thank you for your help!
Dr. Matt
Anesthesiologist
I have been working for 8 years and have been more than happy. I am a physician who does not have much time to research all of the insurance options out there. Rick present all the options in a non-pushy way. They make the tedious process of researching insurance very easy and even streamline the application process. I no longer have to worry about my family being taken care of if an unfortunate event happens.
Dr. John
Anesthesiologist
Very helpful with assisting my purchase of two term life insurance policies. Prompt communication and professional the entire process. I was happy enough with their help that I used them again to buy a second term life policy a few months later.
Dr. Christian
Physician
Steve spent well over an hour on the phone with me answering my disability questions. He put no pressure on me to buy and simply sold me the policy with my best interests in mind.
TERM LIFE INSURANCE QUOTES | DISABILITY INSURANCE QUOTES
Rick Warren CA License #0H95892. © Copyright 2024, Insuring Income. All insurance policies take precedent over quotes from tools on our websites. Rick Warren is the insurance agent of record on all policies that are purchased through Insuring Income. Rick is 100% independent as an insurance agent. They are not employees of any specific insurance company, allowing them to be unbiased in their recommendations.