As a physician, you know that you have many people counting on you. You support your family and friends, your patients, important causes, and you plan for your own future needs. This awareness leads most physicians to secure a long-term disability insurance policy early in their career. Yet some physicians may underestimate how much disability insurance they need, they may be tempted to save money by buying less coverage, or they may not have revisited their disability insurance needs for many years.

Homeownership has often been called the American dream - but for some physicians, owning a home is not yet a practical choice. Perhaps you are quite early in your career and you aren’t ready to put down roots, or maybe you want to pay down medical school debt before buying a house. For many reasons, renting a house or apartment may be a more suitable option. Whether you’re looking to cut expenses or save up for your dream home, there is one thing you should not be without: practical, affordable renters insurance.

Protect Your Home with Safety Upgrades

According to recent data by the National Association of Insurance Commissioners, Texas has the third-highest homeowners insurance premiums in the United States. One of the reasons for this is that Texas has a high level of insurance claims due to bad weather. If you would like to protect your home and reduce the risk of damage, thereby reducing the overall cost of insuring your home, consider the following renovations and upgrades.

Families across Texas are busy shopping and packing, getting ready to send their sons and daughters off to college this fall. If your family is in this situation, we have some important information that you need to know.

Like many physicians, you may believe that your individual long-term disability insurance and savings would help protect you, if you were unable to work due to an illness or injury. But individual disability benefits are designed to cover your personal and family expenses, not pay overhead expenses for your practice.

When most people think of dangerous driving conditions, they think of pouring rain or patchy ice. But there are certain inherent risks to driving in every season – even in summer. While you’re enjoying the longer daylight, family picnics, and splashing in the pool this season, please be aware of the safety risks while driving that come with the summer weather.

As a TMA Alliance member, you work hard to enthusiastically support important causes, including Be Wise - Immunize℠, Hard Hats for Little Heads, The Physician’s Benevolent Fund, and First Tuesdays at the Capitol; all for the future of the Texas community. From all of us at TMA Insurance Trust, we extend our sincere thanks for all you do.

You may question the need for more life insurance simply because you believe you’ll have enough savings, if something should happen to you. But building a nest egg takes time, especially when you have a mortgage to pay, a family to support and medical school loans to pay off.