"Jeff, thanks again for answering all of my questions and helping me find the right policy!"
~ Joseph A., Mobile, AL
Home
What happens when you get a disability
insurance quote from Pennington Disability Insurance Services?
You’ll have direct access into my computer system so that you’ll be able to view the exact insurance quotes and rates that I’m able to view.
The system I have in place is the closest thing to you and I sitting down together to discuss your disability insurance needs.
Many of my competitors simply send your name and information along to several insurance agents.
You’ll get the convenience and ease of working with me online, and avoid the hassle of going to an insurance agent’s office.
Rates for disability insurance policies from individual companies are usually about the same no matter where you buy your policy. What’s typically not the same, is the level of service you get when working with disability insurance companies online.
Many of my competitors simply send your name and information along to several insurance agents. I’m not in that business. When you request a quote for disability insurance rates from Pennington Disability Insurance Services, you’ll work directly with me, Jeff Pennington, company owner.
Call 1-877-221-6198 today and let me help you find the best disability insurance policy for your situation.
Sincerely,
Jeff Pennington
We specialize in helping physicians and medical professionals buy disability insurance
Although there are many choices available to you both online and from local agents, we can provide you with both personal service and selection. We offer quotes from all the major disability insurance companies.
The definition of total disability with own occupation (own occ) coverage typically states that you will be considered totally disabled if you are unable to perform the substantial duties of your regular occupation and you are under the care of a physician. Your occupation refers to the one you were engaged in at the time of the illness or accident.
Own-occupation refers to what types of medicine you’re practicing at the time of your claim. If you only practice cardiology, you will be deemed totally disabled if you cannot perform your duties as a cardiologist, even if you can then practice internal medicine. However, if you’re both an internist and a cardiologist when you become disabled and can’t perform your duties as a cardiologist but can perform your duties as an internist, you would be considered residually disabled.
Pennington Disability Insurance has been selling disability insurance to physicians since 2002. We can often help you get discounts available through your medical associations and hospital affiliations. Call Jeff Pennington today at 1-877-221-6198 to discuss your needs and immediately view rates from all the major companies.
Anesthesiologist Disability Insurance Quotes
If you’re working in this branch of the medical field it is very important to have a disability policy with own occupation rider and residual benefits. Knowing that a large part of an Anesthesiologist’s income is from epidurals, if something were to happen and you could no longer perform them you would then need disability insurance with the own-occupation rider.
If you’re an anesthesiologist and you can’t perform an epidural, then you will be out of income.
Make sure that epidurals are considered in the own-occupation definition of the policy you choose.
Disability insurance from Berkshire or Guardian does an excellent job of protecting you, and more importantly your income.
If you’re a cardiologist, we will review policies with you from top insurers like Standard, Berkshire, and MET. We will look at others as well, but these are a good place to start. It can make sense to split the policy between two carriers and we’ll review those options and benefits with you.
We quote all the major disability insurance carriers so you’ll have complete choice comparisons.
Invasive and non-invasive cardiologist DI quotes.
Your continued ability to bring in an income may be your most important asset.
You’ve been through extensive education and training while becoming a dentist, and we know that your hands are your livelihood. We can help you find the best policy available for your specialty, and can help you find discounts that might be available from your state and local dental associations.
Guardian and Berkshire are two of the leading providers of individual disability insurance for dentists.
You may qualify for discounts from state or local dental associations.
If you own your practice we can make sure you have the necessary coverage.
If you’re studying to become a physician, you’ll need to consider purchasing your coverage while in training. Depending on the insurance company, residents and fellows are typically able to purchase $3,500 to $5,000 in coverage a month regardless of their earned incomes.
We’ll help you review the various policies and options available.
You’ll have a better understanding of what to consider before you purchase your policy.
If you buy your disability insurance policy now, you guarantee lower rates.
If you are a neurosurgeon in private practice and are responsible for some or all of the monthly expenses to keep your office open, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
We’ll help you learn more about the options available to protect your income.
You’ll be able to review rates from Guardian and Berkshire, two of the leading providers of individual disability insurance.
We quote all the major disability insurance carriers so you’ll have many quotes to compare.
We’ll review rates and quotes from all major insurance carriers in addition to discussing your exact needs and what income you would need to replace should you become disabled.
You’ll review all the insurance plans from the major disability insurance carriers.
If you are a general practitioner and you own a private practice, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
We’ll help you learn more about the options available to protect your income.
You’ll be able to review rates from the leading providers.
We quote all the major carriers so you’ll have many quotes to compare.
Ophthalmologists, should protect themselves with a disability insurance policy that contains medical specialty language pertaining to their profession.
Perhaps the best feature offered by any disability insurance company is the graded lifetime extension benefit period.
Berkshire offers this benefit to ophthalmologists.
Guardian in one of only two carriers in today’s insurance market that has medical specialty language built into their definition of total disability.
If you are an orthodontist with a private practice and you’re responsible for some or all of the monthly expenses to keep your office open, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
We’ll help you learn more about the options available to protect your income.
You’ll be able to review rates from over 17 providers of individual disability insurance.
We quote all the major disability insurance carriers so you’ll have many policies to compare.
You’ve been through extensive training to become a plastic surgeon and disability insurance can protect your income if you suffer a disease or injury. If you can no longer perform surgery as a result, a policy may pay you a total monthly benefit up to $15,000 tax-free.
Guardian Insurance is the top provider of “non-cancel” disability insurance in the industry today.
Having disability insurance gives you peace of mind knowing that your family’s financial needs will be met.
Surgeons have very high incomes that may be difficult to replace with standard disability insurance policies that are available to most workers. Surgeons have invested time and money in a career that makes far more income than the average American.
You’ll learn how to protect your income now and as it increases in the future.
Having disability insurance gives you peace of mind knowing that your family’s financial needs will be met.
Disability Insurance for Architects, Engineers, and Attorneys
If you’re a highly paid professional like a lawyer, engineer, or architect, chances are you’re responsible for some or all of the monthly expenses to keep your practice or business open. You should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
We’ll help you learn more about the options available to protect your income.
You’ll be able to review rates from over 17 providers of individual disability insurance.
We quote all the major disability insurance carriers so you’ll have many policies to compare.
If you own a small business, chances are you’re responsible for some or all of the monthly expenses to keep your business open. You should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
We’ll help you learn more about the options available to protect your income.
You’ll be able to review rates from over 17 providers of individual disability insurance.
We quote all the major disability insurance carriers so you’ll have many policies to compare.
Home
What happens when you get a disability
insurance quote from Pennington Disability Insurance Services?
You’ll have direct access into my computer system so that you’ll be able to view the exact insurance quotes and rates that I’m able to view.
The system I have in place is the closest thing to you and I sitting down together to discuss your disability insurance needs.
You’ll get the convenience and ease of working with me online, and avoid the hassle of going to an insurance agent’s office.
Rates for disability insurance policies from individual companies are usually about the same no matter where you buy your policy. What’s typically not the same, is the level of service you get when working with disability insurance companies online.
Many of my competitors simply send your name and information along to several insurance agents. I’m not in that business. When you request a quote for disability insurance rates from Pennington Disability Insurance Services, you’ll work directly with me, Jeff Pennington, company owner.
Call 1-877-221-6198 today and let me help you find the best disability insurance policy for your situation.
Sincerely,
Jeff Pennington
We specialize in helping physicians and medical professionals buy disability insurance
Although there are many choices available to you both online and from local agents, we can provide you with both personal service and selection. We offer quotes from all the major disability insurance companies.
The definition of total disability with own occupation (own occ) coverage typically states that you will be considered totally disabled if you are unable to perform the substantial duties of your regular occupation and you are under the care of a physician. Your occupation refers to the one you were engaged in at the time of the illness or accident.
Own-occupation refers to what types of medicine you’re practicing at the time of your claim. If you only practice cardiology, you will be deemed totally disabled if you cannot perform your duties as a cardiologist, even if you can then practice internal medicine. However, if you’re both an internist and a cardiologist when you become disabled and can’t perform your duties as a cardiologist but can perform your duties as an internist, you would be considered residually disabled.
Pennington Disability Insurance has been selling disability insurance to physicians since 2002. We can often help you get discounts available through your medical associations and hospital affiliations. Call Jeff Pennington today at 1-877-221-6198 to discuss your needs and immediately view rates from all the major companies.
Anesthesiologist Disability Insurance Quotes
If you’re working in this branch of the medical field it is very important to have a disability policy with own occupation rider and residual benefits. Knowing that a large part of an Anesthesiologist’s income is from epidurals, if something were to happen and you could no longer perform them you would then need disability insurance with the own-occupation rider.
Learn more about Anesthesiologist Disability Insurance
Cardiologist Disability Insurance Rates
If you’re a cardiologist, we will review policies with you from top insurers like Standard, Berkshire, and MET. We will look at others as well, but these are a good place to start. It can make sense to split the policy between two carriers and we’ll review those options and benefits with you.
Learn more about Cardiologist Disability Insurance
Dentist Disability Insurance (DDS, DMD)
You’ve been through extensive education and training while becoming a dentist, and we know that your hands are your livelihood. We can help you find the best policy available for your specialty, and can help you find discounts that might be available from your state and local dental associations.
Learn more about Dentist Disability Insurance
Resident Disability Insurance
If you’re studying to become a physician, you’ll need to consider purchasing your coverage while in training. Depending on the insurance company, residents and fellows are typically able to purchase $3,500 to $5,000 in coverage a month regardless of their earned incomes.
Learn more about Resident Disability Insurance
Neurosurgeon Disability Insurance
If you are a neurosurgeon in private practice and are responsible for some or all of the monthly expenses to keep your office open, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
Learn more about Neurosurgeon Disability Insurance
Gynecologist Disability Insurance Quotes
We’ll review rates and quotes from all major insurance carriers in addition to discussing your exact needs and what income you would need to replace should you become disabled.
Learn more about Gynecologist Disability Insurance
MD or General Practitioner Disability Insurance
If you are a general practitioner and you own a private practice, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
Learn more about MD or General Practitioner Disability Insurance
Ophthalmologist Disability Insurance Rates
Ophthalmologists, should protect themselves with a disability insurance policy that contains medical specialty language pertaining to their profession.
Learn more about Ophthalmologist Disability Insurance
Orthodontist Disability Insurance
If you are an orthodontist with a private practice and you’re responsible for some or all of the monthly expenses to keep your office open, you should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
Learn more about Orthodontist Disability Insurance
Pathologist Disability Insurance
You probably know more than anyone else, that disabilities are more often caused by disease than by accidents.
Learn more about Pathologist Disability Insurance
Pediatrician Disability Insurance
Pediatricians require the best of health to perform their daily duties of infant, child and adolescent care.
Learn more about Pediatrician Disability Insurance
Plastic Surgeon Disability Insurance Quotes
You’ve been through extensive training to become a plastic surgeon and disability insurance can protect your income if you suffer a disease or injury. If you can no longer perform surgery as a result, a policy may pay you a total monthly benefit up to $15,000 tax-free.
Learn more about Plastic Surgeon Disability Insurance
Radiologist Disability Insurance Rates
Diagnostic and invasive radiologists have different specialties and therefor different needs
Learn more about Radiologist Disability Insurance
Surgeon Disability Insurance
Surgeons have very high incomes that may be difficult to replace with standard disability insurance policies that are available to most workers. Surgeons have invested time and money in a career that makes far more income than the average American.
Learn more about Surgeon Disability Insurance
Urologist Disability Insurance
Urologist tend to have a high level of income that requires a more comprehensive level of disability insurance coverage.
Learn more about Urologist Disability Insurance
Pulmonologist Disability Insurance
Pulmonologists need a disability insurance policy to protect their income and their practice.
Learn more about Pulmonologist Disability Insurance
Disability Insurance for Architects, Engineers, and Attorneys
If you’re a highly paid professional like a lawyer, engineer, or architect, chances are you’re responsible for some or all of the monthly expenses to keep your practice or business open. You should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
Learn more about Disability Insurance for Architects, Engineers, and Attorneys
Small Business Disability Insurance
If you own a small business, chances are you’re responsible for some or all of the monthly expenses to keep your business open. You should consider purchasing a business overhead expense (BOE) policy in addition to a personal disability policy.
Learn more about Small Business Disability Insurance