What is a residual benefit and do I need it? image

What is a residual benefit and do I need it?

 You know that you need a disability insurance policy, but what happens if you become partially disabled....
Billy Gwaltney
August 24, 2020
What is the process for obtaining specialty disability coverage? image

What is the process for obtaining specialty disability coverage?

Getting your own specialty disability coverage is one of the best decisions you can make for your financial...
Billy Gwaltney
August 23, 2020
Is working with an insurance specialist better than a general financial advisor? image

Is working with an insurance specialist better than a general financial advisor?

If you’ve ever worked with a financial advisor on your investments and retirement, they may have brought up the...
Billy Gwaltney
August 22, 2020
Do I pay you an extra fee for your expertise? image

Do I pay you an extra fee for your expertise?

Insurance agents have gotten a bad name recently. At worst, you probably feel like they can’t be trusted, and at...
Billy Gwaltney
August 21, 2020
Can I count on my group and/or employer LTD policy? image

Can I count on my group and/or employer LTD policy?

We are completely convinced that every physician should have an individual disability insurance policy. But what...
Billy Gwaltney
August 20, 2020
Why should I get disability coverage in residency or fellowship? image

Why should I get disability coverage in residency or fellowship?

  You probably already know that disability insurance is something you need to have, but you might have wondered...
Billy Gwaltney
August 19, 2020
Why is medical underwriting required for insurance? image

Why is medical underwriting required for insurance?

 As a physician, there are seemingly endless demands on your time. From training to continuing education to your...
Billy Gwaltney
August 18, 2020
What is the ‘specialty own occupation’ definition of disability image

What is the ‘specialty own occupation’ definition of disability

When it comes to you and your disability insurance, words matter. Specifically the policy language that defines...
Billy Gwaltney
August 16, 2020
Cover Your Assets Intro image

Cover Your Assets Intro

 Don’t let accidents, illness, or injury destroy your hard work. You’ve spent years of your life and hundreds of...
Billy Gwaltney
February 17, 2020
Is universal life insurance a good choice for me? image

Is universal life insurance a good choice for me?

People often ask us, “Is universal life insurance a good choice for me?” This is a good question. A universal life...
Billy Gwaltney
May 10, 2019