Ep91: What Every Resident Physician Must Know About Guaranteed Standard Issue Disability Insurance with Jamie Fleischner

In this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you’re a physician or high-earning professional, protecting your financial future is crucial—and disability insurance is a key part of that plan. 

Jamie breaks down the ins and outs of Guaranteed Standard Issue (GSI) Policies, explaining how they differ from traditional disability insurance and what you need to consider when choosing the best policy. From pricing and flexibility to common misconceptions, this episode is packed with valuable insights to help you make an informed financial decision.

 

Key Topics Covered:

1. What is a Guaranteed Standard Issue Policy? 

• Understanding how GSI policies differ from traditional disability insurance.  

2. Who Qualifies for a GSI Policy?  

• Why only certain programs offer them and what it means for you.  

3. Own-Occupation Coverage  

• Are GSI policies truly own-occupation, and why does it matter?  

4. Premiums & Cost Comparisons

• How GSI policy premiums stack up against traditional underwritten disability insurance.  

5. Exclusive Discounts & Group Benefits

• Are there special rates available for specific groups or organizations?  

6. Gender-Based Rate Differences

• How disability insurance pricing differs for men and women.  

7. Common Misconceptions About GSI Policies 

• Clearing up myths that could impact your financial decisions.  

8. Expert Advice on Choosing Disability Insurance

• Key takeaways for professionals planning to secure coverage.  

Resources Mentioned:

• Set For Life Insurance Website
• Rezasharif Website

Listener Takeaways:

• GSI policies offer unique benefits and limitations.  
• Group discounts and gender-based pricing can significantly impact your premiums.  
• Flexibility matters—ensure your policy can adapt to your career growth.  
• Understanding the fine print can save you from costly mistakes in the future. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: Jamie Fleischner on LinkedIn

Tune in now and get the expert insights you need to make the best financial decision for your future!

 

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, t