There are never enough hours in a day. As a busy physician, you undoubtedly feel the truth of those words on a daily basis. The demands on your time--from patient care to family responsibilities--can leave you feeling like there are some tasks you just can’t seem to get to. That feeling can intensify as your career progresses and you experience changes in your life.

Wash the car. Clean out the attic. Sort through expenses for your income tax.

Have you ever found yourself procrastinating about doing certain tasks? It’s normal to put off some tasks – especially if they seem like they’re not on a pressing timetable. It’s what we all do to some extent or another.

But if you’re a younger physician, there’s one thing you may not want to put off – giving your family the security and protection of life insurance.

We’ve all heard the saying when it rains it pours. When something goes wrong, it can end up unleashing a storm of difficulties. Insurance was made for those rainy days and umbrella liability insurance was made for those times when a rainy day turns into a storm.

Most of us are familiar with the basic concept of life insurance: It provides your beneficiary with a payment if you pass away during the time you are covered.

But as you may know, there are different kinds of life insurance. For example, there is term life insurance and whole, or permanent, life insurance.

Health insurance is vital. No one knows the truth of that statement more than physicians. When you need health insurance - whether you are looking for group health options for your practice, need individual health insurance, or need to make changes to your current coverage - our team is here to assist you with your needs, all year long.

We pay for disability insurance for a good reason. We trust it will be there to provide a benefit payment if we get sick or injured and cannot work.

But if you did become ill or injured and couldn’t work, do you know how long it would take to receive your benefit payment? It may be longer than you think.

If you are a female physician, your personal achievement and hard work has come with an economic reward. Because you have a significant income, you likely play a prominent role in the lifestyle your family leads. You also bring financial stability to your household.

Because your family’s well being likely hinges on your income, life insurance protection plays an important role. But according to life insurance industry estimates, about 58% of men have life insurance, but only 48% of women are covered.* Do you have the life insurance you need to help protect your family’s future?

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.