Life insurance shouldn’t be a mystery. Yet many people, physicians included, may have some misconceptions about it.
We don’t want you to miss out on this important protection for your family. So here’s some information that may help shed new light on what you know – or don’t know – about the life insurance we offer.
1. It’s Really Worth the Cost
One misconception about life insurance is that it’s too expensive. The truth is, life insurance is really worthwhile protection. Think about it. If you were not here to provide support for your family, what would happen to their finances?
A life insurance benefit can ease the financial burden at a time when it may be difficult to meet expenses. At that time, your family would likely be very grateful you made the decision to obtain a life insurance policy.
2. Top Carriers Do Offer Affordable Plans
At TMA Insurance Trust our goal is to help physicians protect their families in a way that works with their budget. To that end, we’ve partnered with one of the top carriers in the nation.
The TMA Member Term Life Insurance Plan issued by The Prudential Insurance of America is offered exclusively to TMA members and is an affordable option from a nationally known carrier.
Prudential was selected because of their financial strength and stability, insurance industry leadership, speed of claim payments and their high level of customer service. So, yes, you can get a quality plan from a highly-rated carrier.
3. It’s Not a Hassle to Apply
As a rule, physicians don’t have a lot of spare time. But getting a plan shouldn’t have to be a hassle. TMA members can apply directly online and get a rate quote for the TMA Member Term Life Insurance Plan.
Members under age 45 can apply for up to $500,000 of TMA Member Term Life coverage and an approval decision can be made in minutes – right after you apply. Simply click on the Life Express button below.
Members under age 55 can apply for up to $1,000,000 of coverage with simplified underwriting by clicking on the $1 Million Life button below.
Please note: This online platform is an exclusive benefit for TMA members. If you need more coverage, members can apply for up to $2,000,000 of coverage of TMA Member Term Life insurance by contacting one of our advisors.
4. If You Have a Plan, You Can Still Add More Coverage
Many physicians may already have life insurance. Maybe it’s from a previous employer and you kept your plan after you left that situation. Or maybe you just bought your own policy years ago.
But as time goes by your financial situation and your lifestyle may have changed. It’s likely that your income and your family’s living expenses have increased. So it’s possible you may need more coverage.
Ask yourself: Would your current life insurance coverage provide enough financial support for your family if something were to happen to you? If you’re not sure of the answer, our advisors would be happy to review your current coverage and discuss your options.
5. There Won’t Be Sales Pressure
One thing you should know: Our advisors do not work for sales-based commissions, so you will never feel any pressure on a call with them. If you call for a review and we find you have enough coverage, we will tell you so. If we think your family is under-protected, we’ll tell you that as well. The assistance, advice and guidance from our advisors is always offered at no cost to you, with no obligation.
6. Covid Is Covered
Since the spread of the coronavirus, it’s clear that those on the front lines of healthcare have the greatest exposure to the virus. We know that physicians across Texas and the nation are living with this risk every day. So we want you to know that Covid-19 is covered by the TMA Member Life Insurance Plan.
7. More Options For You
If you want additional options – or if you’re not a TMA member – we would be happy to discuss other life insurance opportunities. TMA Insurance Trust works with highly rated life insurance carriers and we are here to help you with your life insurance needs.
Click or Call to Get the Coverage You Need
The bottom line is that we can help make it easier to get the life insurance coverage that fits the needs of your family – and your budget. If you are a TMA member, click on a link below to find your rate for the TMA Member Term Life Insurance Plan.
If you’d like to learn about other plans from national carriers, our advisors are here for you. They’re available at 1-800-880-8181, 7:30 am – 5:30 pm CST Monday to Friday.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.