I'm just dipping my feet in the water on this for the first time, which is pretty shameful being that I'm 6 years into practice and have no disability coverage.
But I do understand the urgency and am hoping to get coverage started this week.
I could not find answers to my questions using the thread search, I apologize if it's in there and been asked a million times (feel free to link a prior thread if you can find one).
I would love to hear if any of my physician colleagues have strong preferences for any one disability insurance company over another. I'm leaning towards quotes from either Guardian (but confused on whether premium is worth the money over select) or Ohio National.
My gross salary is around $800k. Am I irresponsible to just get $20k/month disability insurance? I do not own a home, my student loans are paid off and I have about $100k invested with plans to be at $1 million in 3 years and $2 million in 5 years.
Would appreciate any advice.
Also, are quotes likely to be the same from a given company independent of the agent who provides the quote? Or is there variability between agents if you shop around?
But I do understand the urgency and am hoping to get coverage started this week.
I could not find answers to my questions using the thread search, I apologize if it's in there and been asked a million times (feel free to link a prior thread if you can find one).
I would love to hear if any of my physician colleagues have strong preferences for any one disability insurance company over another. I'm leaning towards quotes from either Guardian (but confused on whether premium is worth the money over select) or Ohio National.
My gross salary is around $800k. Am I irresponsible to just get $20k/month disability insurance? I do not own a home, my student loans are paid off and I have about $100k invested with plans to be at $1 million in 3 years and $2 million in 5 years.
Would appreciate any advice.
Also, are quotes likely to be the same from a given company independent of the agent who provides the quote? Or is there variability between agents if you shop around?
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