Disability Insurance

At Kaplan Financial, we specialize in helping physicians secure "own-occupation" disability insurance. We strive to be a national leader in physician disability income insurance. With more than 2,500 physician clients nationwide and over 25 years of experience, our in-depth understanding of physicians' financial planning needs allows us to deliver comprehensive protection at the very best rate. 

We believe The White Coat Investor readers and our clients respect our professional knowledge and appreciate our honesty and common sense approach to disability insurance and financial planning. We understand that early planning to pursue financial security is critical.

Whether you are an internist, emergency room physician, anesthesiologist, cardiologist, obstetrician, or orthopedic surgeon, we can help you obtain coverage from the most respected, financially secure disability insurance companies in America. Employer sponsored discounts of 10% to 25% and lower unisex pricing for females are available at participating hospitals. 

By starting a plan now, your policy and rate (based on your age at the time you purchased your policy) are guaranteed to age 65. This means that the insurer can not later increase your rates, modify your contract, or cancel your policy for any reason, including your disability. Additionally, as your income increases, you will have the ability to increase your coverage regardless of changes in your health.


Customize your Coverage:

  • Non-Cancelable & Guaranteed Renewable
  • Own Occupation (Specialty Specific) Definition of Disability
  • Total and Partial/Residual Disability Benefits
  • Age 65, 67 or 70 Benefit Period
  • Future Insurance Option (FIO) Rider
  • Optional Inflation Protection (COLA) Rider
  • Optional Retirement Plan Protection (RPP) Rider
  • Optional Student Loan (SLR) Rider 
  • Optional Catastrophic Disability Benefit (CDB) Rider
  • Financially Strong Insurer - Standard & Poor’s, A.M. Best, and Comdex Composite Score

Available Carriers:

  • Ameritas
  • Berkshire/Guardian Life
  • Lloyds of London
  • MassMutual
  • Ohio National
  • Principal Financial
  • The Standard
  • Unum 

Riders are additional guarantee options that are available to a life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.