A Deep-Dive into Disability Insurance with Larry Keller CFP®, Ep #21

In the last couple of episodes, we’ve started to scratch the surface when it comes to the importance of disability insurance.

Navigating the world of disability insurance as a physician can be complex, especially when it comes to understanding how medical conditions impact coverage eligibility. 

In this episode of Physician Cents, Larry Keller breaks down the most common medical issues that lead to disqualification or exclusion from coverage—and what you can do to protect yourself. 

From understanding Guaranteed Standard Issue (GSI) plans to spotting red flags with agents, Larry shares invaluable insights to help you make informed decisions. Tune in to learn why this foundational aspect of financial planning is critical to getting right the first time. 

Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.

You will want to hear this episode if you are interested in...

• (0:00) Introducing Larry Keller of Physician Financial Services
• (5:38) Common medical issues that will disqualify you from coverage 
• (16:05) The two types of GSI plans available on the market
• (18:07) Some myths circulating about guaranteed standard issue offers
• (22:34) Red flags to watch out for with GSI agents
• (27:00) Why doesn’t every program offer a GSI?
• (28:42) How to determine if you shouldn’t get a GSI
• (41:39) How to find a trusted insurance agent
• (48:05) How disability insurance protects your future

The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers.

Resources & People Mentioned

• Why Every Physician Needs Disability Insurance with Michael Relvas, CFP®, Ep #18
• Exploring Financial New Year’s Resolutions with The White Coat Investor, Ep #20

Connect with Larry Keller

• Physician Financial Services
• Connect on LinkedIn

Connect With Physician Cents

• WealthKeel LLC
• Olson Consulting LLC
• Tyler Olson on Twitter
• Chad Chubb, CFP®, CSLP® on Twitter

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