Insurance for Physicians
for Physicians
Own-occupation disability insurance, carrier reviews, life insurance by career stage, and malpractice and tail coverage.
How Much Does Tail Coverage Cost? (2026)
Tail is priced as a multiple of your final malpractice premium. The carriers’ own pricing statements, AMA-published premiums for eight markets, the arithmetic, and when the tail is free.
Ohio National Disability Insurance: Can You Still Buy It?
Ohio National is now AuguStar and no longer lists disability insurance among its products. What it means if you’re shopping or already own a policy.
Ameritas Disability Insurance Review for Physicians (2026)
Ameritas DInamic Cornerstone from its own guides: three own-occupation options, a 15% residual rider, full-period mental health coverage, and resident offers.
MassMutual Disability Insurance Review for Physicians (2026)
MassMutual Radius Choice from its own product summary: an own-occupation rider you need, a 15% partial rider, and a removable 24-month mental health limit.
Term Life Insurance for Physicians (2026): How Much You Actually Need, What Length to Buy, and the Best Carriers by Career Stage
How much term life insurance physicians need, what length to buy, the best carriers, and how laddering trims premiums as needs shrink. By career stage.
Guardian vs. Principal Disability Insurance for Physicians (2026)
Guardian and Principal compared on what each publishes: the own-occupation definition, partial disability, resident offers, and AM Best ratings.
Physician Maternity Leave and Short-Term Disability (2026)
The real math behind '60% of salary', how FMLA and STD actually work for doctors, and what to negotiate in your contract.
The Physician's Guide to Asset Protection (2026): Guarding Your Wealth from Lawsuits
Physicians are the most-sued professionals in the United States. Learn the six layers of asset protection, from umbrella insurance to Tenancy by the Entirety and LLCs.
Why Surgeons Pay 10x More for Malpractice Insurance Than Internists (2026)
Learn the three mechanisms driving surgical malpractice premiums higher than cognitive specialties, view premium data by specialty, and discover what surgeons can do to manage costs.
Malpractice Insurance for Physicians: Claims-Made vs. Occurrence (2026)
The most consequential decision in physician malpractice insurance is whether your policy is claims-made or occurrence. Learn how to avoid tail coverage traps.
How Much Disability Insurance Does a Physician Need? (2026 Guide)
The most common disability insurance mistake physicians make is not skipping it entirely — it is buying the wrong amount. This guide explains exactly how to calculate the right disability insurance benefit amount for your specific situation.
Principal Disability Insurance Review for Physicians (2026)
Principal Income Protector from Principal’s own pages: true own-occupation option, enhanced residual, Series 700 limits and discounts, and what it doesn’t publish.
Guardian Disability Insurance Review for Physicians (2026)
Guardian’s physician policy from its own pages: the Enhanced True Own-Occupation income test, a 15% partial disability rider, and an $8,000 resident offer.
Tail Coverage Explained: What It Costs and When Physicians Need It (2026)
Everything physicians need to know about malpractice tail coverage in 2026, including average costs by specialty, who pays, and how to negotiate it in your contract.
Residual Disability Insurance
Protection for when you can still work, but lose income due to illness.
Group vs. Individual Disability
Why your employer's group policy isn't enough protection.
Own-Occupation vs. Any-Occupation Disability Insurance
The four definitions of disability, the weaker “not working” wording, and what five carriers put in their policies.
Insurance 101 for Physicians
Disability, Life, Malpractice, and Umbrella. What you need and what to avoid.
Best Life Insurance for Physicians (2026)
A Doctor's Guide to Getting It Right: term versus whole life, coverage needs, and top carriers.