The Best Disability Insurance Carriers for dentists
As you investigate disability insurance carrier, we recommend that you consider the insurance carrier. The leading providers of disability insurance are not the insurance companies that are advertised on television. Your licensed insurance agent will illustrate the leading providers and features that are important to dentists and for your specific state. Some insurance carriers provide coverage in all states and several do not.
When you purchase disability insurance today, you’re planning for the long-term and should approach this as a lifetime commitment. In other words, you may have to depend upon the insurance carrier to provide payments to you for several years.
To make this decision, you should analyze the insurance carriers with superior financial ratings from independent third-party rating agencies. Rating agencies base their ratings on independent investigation of the insurance carrier’s financial health. Your independent agent that specializes in disability insurance can provide you with current ratings and guidance on coverage within your state.
We recommend independent licensed agents that specialize in disability insurance over generalists and captive agents. Independent agents that focus on disability insurance provide the following benefits for dentists.
Independent Agents Dedicated to Disability Insurance
OUR RECOMMENDATION
- Specialist agent that understands the coverage needed to protect your financial future
- Able to provide any of the leading carriers within your state and guide your decision (more options for you)
- Saves you tons of time because they specialize with dentists
Captive Agents Represent Only One Disability Insurance Carrier
- Can not provide various insurance carriers (e.g., one size fits all)
- Dedicated to sell one brand
Generalist Insurance Agent
LOCAL INSURANCE AGENT
- Physicians are a small portion of their portfolio and day-to-day responsibility.
- Same price as Independent Agents dedicated for Disability Insurance.
- Will be more time consuming for you.
- Less familiar with coverage nuances within your specialty and state.
