Insurance Advisor
Protect your most valuable asset — your future earning potential.
4 insurance gaps identified
Estimated cost to fill all gaps: $220/month ($2,640/year)
Own-Occupation Disability Insurance
Critical — $150/month
As a physician, your ability to earn is your most valuable asset. 25% of physicians will experience a disability during their career. Own-occupation coverage protects your specialty-specific income.
Term Life Insurance
Important — $35/month
Even without dependents, locking in a policy while young and healthy gets you the lowest premiums. Your future family will thank you.
Renters Insurance
Important — $15/month
Protects your belongings and provides liability coverage. Very inexpensive and often required by landlords in NYC.
Umbrella Insurance
Nice to Have — $20/month
Provides extra liability protection beyond your other policies. More important once you have attending-level assets, but affordable to start now.
Why This Matters for Anesthesiologists
25%
of physicians will experience a disability before retirement
$8M+
lifetime earning potential at risk without disability coverage
40%
cheaper premiums when purchased during residency vs. attending
Recommended Carriers
Guardian
DisabilityTop pick for own-occ policies. Strong resident discounts.
MassMutual
DisabilityExcellent own-occupation definition. Competitive rates.
Principal
DisabilityGood rider options. Strong in anesthesiology.
Haven Life
LifeAffordable online term life. Quick application process.
Ladder
LifeFlexible term life. Easy to adjust coverage.
Lemonade
RentersFast, affordable renters insurance. Great app.
These are informational recommendations, not endorsements. Always compare quotes and read policy details carefully.