Services
Providing Everything You Need
Disability Income
Your most valuable asset isn’t your practice—it’s your ability to earn. If injury or illness takes you out of the chair, disability income insurance helps replace your income and keep your lifestyle (and staff payroll) intact.
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For dentists and physicians, we help structure own-occupation coverage with the riders that matter most:
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Residual/partial disability to cover reduced hours
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Future benefit increase to keep up with your income
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Student loan repayment (for younger doctors)
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Retirement protection rider to replace retirement contributions while disabled
Your clinical skills are worth protecting. This is how you insure your career.
Life Insurance
Permanent life insurance is one of the most strategic places a private practice owner can store retained earnings.
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It provides protection today and long-term financial flexibility:
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Fund your buy-sell agreement with a partner
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Access cash value to reinvest in your business or real estate
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Use it as a tax-free volatility buffer in retirement, so you don’t have to sell investments during downturns
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Pass on wealth efficiently and income tax-free to your family
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We help design policies for maximum living benefits, not just for when you’re gone, but for every season of your financial life.
Retirement Strategy
When you're ready to slow down—or fully exit—we help convert a portion of your savings into guaranteed monthly paychecks for life.
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We use annuities strategically to:
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Cover essential expenses in retirement with guaranteed income
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Offset long-term care risk using enhanced income riders if you can’t perform 2 of 6 activities of daily living (ADLs)
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Create stability no matter what the market or economy does
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This is your personal pension—and it’s built to last longer than your career.