Announcing: Disability Insurance Premium Reductions with Ameritas

Gary Baird

March 23, 2016

Ameritas has some great news to share. Effective November 6, 2015, in approved states, female rates have been reduced by 10% on their DInamic Foundation Noncancelable and Guaranteed Renewable and Guaranteed Renewable disability income contracts for occupation classes, 6M-4M.

This rate reduction applies to the following Medical Occupations:

Allergists
Genetic Physicians
Internists/Internal Medicine Physicians
Oncologists (excluding Surgical Oncologists)
Radiologists (excluding Vascular/Interventional Radiologists)
Endocrinologists
Hematologists
Nephrologists
Pediatricians
Rheumatologists
Family/General Practice Physicians
Hemoncologists
Neurologists
Psychiatrists/Psychologists (PhD)
Don’t miss out on these discounted rates. Protect your income and save money while doing so with these lower-priced Disability insurance premiums through Ameritas today.

Gary Baird

March 23, 2016

Announcing a New Discount available for HTPN Physicians on their Disability Insurance

Gary Baird

March 23, 2016

If you are a HTPN physician, I have some great news for your disability insurance! You may be eligible to receive deeply discounted Disability insurance premiums by utilizing the "Unisex-rated" policy.

Some Highlights of a “Unisex – rated” policy:

Each policy provides a true, own occupation/specialty definition of disability and the premiums are all fixed and guaranteed level to age 65, 67, or 70.
This is not a “one size fits all” policy. Rather, each doctor can customize their own disability insurance policy to meet their own unique needs; literally every one of the doctors can have a different plan.
The discount is permanent, and the policy goes with the doctor if they leave the practice. This puts the doctor in complete control of their disability insurance benefits.
Underwriting concessions are available when you purchase your policy through a larger group, so any doctors with a medical/health concern can still apply and usually receive favorable underwriting outcome.
We can get benefits as high as $32,000/month, again depending on each doctor’s needs; every doctor can pick whatever monthly benefit meets their need.
The practice does not need to pay these premiums; each policy can be paid by each doctor out of their own personal checkbook, so very limited involvement or work for the practice manager.

How To qualify:

Three or more HTPN physicians need to “raise their hand” to participate in the disability insurance purchase

Just as HTPN probably uses its size to negotiate better reimbursements from insurance companies as well as lower malpractice premiums, you can use the same “strength in size” mentality to purchase your disability insurance.