Over the years we have seen thousands of resident physicians that are looking to get proposals and pricing for own-occupation disability insurance. The process can be frustrating at times and we have always said “We think buying insurance should be easier”.
Sometimes as consumers we really just want to know how much something costs and what you get for that price. We want to see what options are available and how much these add-on items cost.
We want to get the information without feeling that we are being pressured to buy. We do not want people only showing us a few of the ways to construct the product.
When we go to the Apple website to purchase a Macbook, we see that we can customize the hard drive, screen size, process power, etc. We can also add-on external devices and other related items. This is really helpful as we shop. It helps us tremendously.
At Insuring Income, we have made a tool that is designed for resident physicians. Currently, the carriers that offer the highest quality coverage to physicians will allow a resident to secure $5,000 of monthly benefit, regardless of actual income as a resident and regardless of if they have the hospital group insurance.
This fairly cookie cutter design that we start with makes it possible for us to present a tool that can help residents to shop in a very powerful way.
The disability insurance quote tool that we have built will output the actual premiums for each of the 7 products in the market that have the strong language that physicians should be purchasing.
Without a tool like this the consumer must reach out to agents and request quotes. Sometimes the agent fails to get all of the proper information and discounts can be missed, etc.
Our tool will allow a resident physician across 35 specialties generate true instant results.
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We present the terms of each plan and we line them up, priced high to low as we move from left to right across the screen.
Rather than waiting hours or even days to get proposals back, the resident can get them in as little as 10 seconds. From there, the resident can decide to apply right on the spot for a given plan.
We are working every day to make buying insurance as a busy physician that much easier. If a physician decides to work with us at Insuring Income, we will make sure they receive the highest level of service from end to end. We look forward to working with thousands of physicians to protect their most valuable asset - their ability to earn an income in their given medical specialty.
Take a few minutes at the following link to see what the various options in the market cost and what they include. Maybe the “right” plan will jump off the page. The important thing with our tools is that we believe a professional insurance agent is needed to help explain things and to work through medical underwriting. We can together design the best plan for you at the lowest possible cost and then can work to get the policy approved in the most optimal manner possible.