"Almost 3 in 10 workers entering the workforce today will become disabled before retiring."
- Social Security Administration, Fact Sheet, January 31, 2007


"Half of all personal U.S. bankruptcies, affecting 2 million people annually, were attributable to illness or medical bills."
- MarketWatch: Illness And Injury As Contributors To Bankruptcy, Health Affairs Web Exclusive, February 2, 2005


"Did you know: About 1 in 7 people can expect to be disabled for five years or more before retirement."
- The New York Times, February 2000
The Solution
Problem #1:
How to provide physicians with the amount of disability insurance that they need and want to ensure that their current and future income is adequately protected?

Solution #1:
By working with a highly rated, 100 year old insurance company, DISolutionz.com is pleased to offer an exclusive opportunity to help physicians meet their disability insurance needs.

Our insurance carrier has recently increased their guidelines and will now offer coverage for physicians up to a maximum monthly benefit of $15,000. Here are the benefits of this new disability insurance opportunity:

- Does not replace existing coverage - integrates with current policy(ies)
- True "own occupation" definition of disability
- Policy is "non-cancelable" and "guaranteed renewable"
- Coverage for residual and presumptive disabilities
- Several benefit period options including, To Age 65, To Age 67, and To Age 70
- Many optional benefits including Cost of Living Adjustment, Future Purchase Option, and more
- No two year benefit limitation on mental and nervous claims (not available in all states)
- Premium discounts of up to 30% are available
- Can obtain additional coverage to adequately protect your income


Physicians no longer have to be subject to the arbitrary capitation of a $10,000 monthly benefit amount for their disability insurance.


Problem #2:
What happens when disability insurance benefits stop at age 65? What then?

Solution #2:
Our insurance carrier has designed a Disability Income Retirement Security policy. This policy is designed to replace lost pension and retirement plan contributions due to a long term disability. This is a stand-alone contract that is issued over and above your group and personal disability insurance. The benefits of this unique contract are:
- Stand alone policy - not meant to replace personal disability insurance
- Contract is specifically designed to replace lost pension and retirement plan contributions
- Can purchase up to a $3,800 monthly benefit
- Choice of benefit periods
- Optional benefits include, Automatic Increase, Cost of Living Adjustment, and more
- No medical underwriting
- Limited financial underwriting
- Premium discounts of up to 30% are available

This policy is designed to provide funds when your group and personal disability insurance benefits are designed to stop. If faced with a long term disability, you will likely need every dollar of your monthly benefit to survive and still provide for your family. It is very likely that funds will simply not be available to set aside for retirement and living past age 65. This policy is designed to solve that problem.

Learn more about these two exciting and unique opportunities