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.

This is common with lower-tier companies. That’s why we don’t sell or recommend their policies.

In this episode, I discuss everything you need to know to get a disability policy that provides the right coverage AND won’t increase in price in the future.

Highlights from this episode include:

  • Make sure your policy definition contains these words now or it’ll cost you in the future (1:32)
  • How to avoid constantly increasing premiums (and decreasing coverage) (2:32)
  • Why not getting a policy from one of the “top 4” companies can kill your...