Hello, everybody.

Thank you for downloading this month's deep dive.

This episode is sponsored by Pearson Ravits Insurance.

Stephanie Pearson at Pearson Ravits is my personal disability and life insurance agent.

It is my personal opinion that a solid individual disability insurance policy is a purchase that you should be making

during residency. And the reason for this being is that you can get that underwriting done

early while you're healthy and before you have some sort of injury or other medical diagnosis

that a doctor documents somewhere. Keep in mind that just because you're purchasing

it as a resident, that doesn't mean you need to purchase the full disability insurance amount

that you're going to have as an attending. So let's say as an attending, you're going to want to

buy a disability insurance policy that pays you whatever, $5,000, $7,500 a month,

or whatever it is if you get disabled just because you're going to want that eventually.

That does not mean you have to pay for a policy that big as a resident.

And based off my discussions with Dr. Pearson, in some cases you can buy a policy that pays you

as low as $1,000 a month as a resident if you get disabled.

But what it allows you to do is get all of your underwriting done while you're healthy.

Now, every situation is different.

That is why you need a good disability insurance agent.

Stephanie Pearson at Pearson-Ravits has been my agent

well before we ever had a sponsorship,

kind of partnership going on.

She's a great, great disability insurance agent.

...