Latest developments in disability coverage for physicians

You'veheard of the blogosphere, but have you heard of the insureosphere? Of course not. I just coined the phrase! It's the network of insurance agents who send me all kinds of updates on insurance for physicians.

The latest news on disability insurance coverage from the insureosphere is this: Mass Mutual is now offering own-occupation coverage, reduced premiums, and increased coverage limits for physicians in the following specialties:

  • Allergist
  • Cardiologist
  • Endocrinologist
  • Family Practitioner
  • Hematologist
  • Immunologist
  • Internist
  • Nephrologist
  • Non-surgical Pediatrician
  • Obstetrician/Gynecologist
  • Oncologist
  • Optometrist
  • Pathologist
  • Podiatrist
  • Psychiatrist
  • Psychologist
  • Radiologist
  • Rheumatologist
  • Urologist
They now join the list of carriers who have come to the realization that, "Hey, doctors are actually good people who do their best to lead productive lives... so they're actually good (and profitable) people to do business with."

Duh.

Here are the other companies that underwrite doctors for DI:

  • Guardian
  • MetLife
  • Principal Financial Group
  • The Standard Insurance Company
  • Union Central
  • Mass Mutual

If you're tempted to wade into the insureosphere to gather coverage for yourself or your family, be prepared to endure an onslaught of paperwork and double-speak. The better, faster and safer way is to spend your time finding an agent who really knows coverage for physicians. Watch out for the cross-sell.