Disability Insurance Unveiled: Expert Insights with Larry Keller on Protecting Your Future

If you’re a physician early in your career, there’s one overlooked risk that could quietly undo everything you’re working toward: losing your ability to earn. In this episode, I sit down with Larry Keller, the Disability Insurance Guru himself, who’s been my go-to expert for nearly a decade. He’s helped our clients make smart, informed decisions without ever pushing a sale, and I trust him completely to break this all down the right way.

We get into the stuff every doc needs to know: why your group coverage probably isn’t enough, how to spot the policy features that actually matter, and what makes Guaranteed Standard Issue (GSI) plans such a rare, time-sensitive opportunity. If you’ve been putting off this part of your financial life, this conversation with the Guru will show you exactly where and how to start.

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Contact The Disability Insurance Guru Larry Keller:
https://www.physicianfinancialservice...
[email protected]

Key Insights 💡
• Disability insurance protects future physician income.
• Group policies leave major coverage gaps.
• True own-occ language is critical.
• Most agents mislead or underdeliver.
• GSI plans offer a rare opportunity.
• One-time setup, lifetime consequences.

Highlights 🕒
(00:00) Meet Larry (and find out why he’s trusted)
(02:50) Why docs need protection
(07:40) What disability insurance really is
(09:10) Group vs. individual coverage
(15:39) How people shop wrong
(31:00) Why own-occ coverage matters
(34:18) Side gigs and policy risks
(40:37) GSI plans and timing
(01:00) Is my group disability enough?
(01:01) Top 3 riders on your policy


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Disclosures: This information is for general purposes only. This information is not intended to be a substitute for specific professional financial or tax advice, as individual circumstances vary. Please see a financial professional, CPA, and/or an attorney in regards to your own individual situation.