Hey everybody, this is Zach Olson and thank you for downloading this month's deep dive.

This episode is sponsored by Pearson Rabbit Insurance.

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

There are three reasons why you need to be buying your personal disability insurance policy while in residency.

Reason number one, the most obvious, it protects you in case something

happens to you while you are in residency. You get sick or you get injured and you can't do your

job. This is the insurance policy that will cover you in case something like that happens. Two,

you get resident discounts that will stick with you in many cases even after you graduate and once

you're in attending. So you graduate residency and now you've got your attending job and maybe

you're buying a more expensive policy or something, but that initial discount is going to stick with you

even after you graduate as long as you purchase it early. And reason number three and most important is

you get your medical underwriting done early.

You get to have the insurance company basically medical underwriting.

The insurance company will do this examination of you,

dig through your medical history and everything to see if they're willing to insure you.

And when you do this early as possible,

this is when you have like the fewest diagnoses on your chart.

This is while you're the youngest, you have the fewest dangerous hobbies and all that kind of stuff.

You get your medical underwriting done when you're young.

It makes for a cheaper policy.

It also makes for the strongest policy because let's say you have, you know, you're at the eye doctor and they document some weird thing related to your eyes.

Well, now the insurance company, who's not doctors, they're going to see that be like,

...