--- title: Can You Count on Your Life Insurance? description: Employed physicians, does your current life insurance policy offer enough coverage to provide the right financial insurance protection for your family? image: https://www.tmait.org/hubfs/October%202020/October_2020_Week_2_Life.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/October%202020/October_2020_Week_2_Life.png) [Life Insurance](https://www.tmait.org/blog/topic/life-insurance) # Can You Count on Your Life Insurance? 10 October 2020 If you are a physician who is employed by a medical center or other practice, you probably have life insurance as an employee benefit. But does your current policy offer enough coverage to provide the right financial insurance protection for your family? And as some employers cut costs, can you be sure that your benefit will remain? Will it be reduced or eliminated at some point in the future? Even if your benefits are not at risk, employer-provided life insurance may not provide the right amount of coverage you would need to help protect your family if something happens to you right now. That’s why it may be the right time to look at your needs for life insurance. You can get a personal plan that is tailored to your unique needs; one that stays with you regardless of where life takes you. Life insurance is a crucial part of a physician’s safety net, and many employed physicians receive this insurance as a no-cost benefit upon employment. If this is the case for you, there are three important reasons that you should supplement your employer’s group policy with your own life insurance coverage. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/0c212510-cb80-44e3-b386-120b47b495f5.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/0c212510-cb80-44e3-b386-120b47b495f5)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday*** **An individual life insurance policy…** **… Is portable.** Most Texas physicians won’t stay with one employer for their entire career. This may be especially true because of the current economic climate due to the pandemic. If you leave your current position, you may be able to convert your group policy to individual life insurance, but by that time the cost could go up significantly. Or you may have developed a medical condition that could seriously raise your premium… or even make it impossible to get coverage. **… Offers more coverage.** You may be able to purchase additional coverage through your employer, but there may be limits on the amount available and you may not be able to buy as much coverage as you need through your work.  Also, if your health changes before you apply for more coverage, the rates may go up prohibitively; or you may be denied coverage altogether. **… May offer more options.** When you buy life insurance through work, you typically have no control over which insurer your employer does business with. As an employee, you probably won’t find the range of insurers, types of coverage and policy options that you would likely find if you were to shop around. ## Get The Insurance Coverage You Need By contacting a TMA Insurance Trust advisor, you can confirm whether or not the group coverage you currently have provides enough financial insurance protection for your family in your current situation. If you are a TMA member under age 45, you can apply online for up to $500,000 of TMA Member Term Life coverage - and you may get approved in minutes. This coverage is issued by **The Prudential Insurance Company of America**, one of the country’s leading life insurance providers. Select the Life Express link below to apply online. [![New call-to-action](https://no-cache.hubspot.com/cta/default/400074/e2415d11-417d-4b17-8c98-d3cbd616cebc.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/e2415d11-417d-4b17-8c98-d3cbd616cebc) TMA members under age 55 who want more life insurance can also take advantage of our streamlined online application process. You can apply online for a total of up to $1,000,000 of TMA Member Term Life Insurance with simplified underwriting that includes just a few questions. Select the ***$1 Million Life*** link below. [![New call-to-action](https://no-cache.hubspot.com/cta/default/400074/a4090e2e-10e3-4b5c-9686-3995897667f0.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/a4090e2e-10e3-4b5c-9686-3995897667f0) If you have questions about your life insurance needs, or want more coverage, you have personal assistance available to you. Our licensed advisors are ready to help you. Contact us today at [1-800-880-8181](tel:1-800-880-8181). [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/eb481af3-01db-43fe-a4f7-52d45ae7522b.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/eb481af3-01db-43fe-a4f7-52d45ae7522b) 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. ** [ Life Insurance ](https://www.tmait.org/blog/topic/life-insurance) ** [Employed Physicians](https://www.tmait.org/blog/topic/employed-physicians) [**Previous Entries](https://www.tmait.org/blog/health-insurance-help-for-individual-group-and-medicare-plans) [Next Entries**](https://www.tmait.org/blog/women-physicians-avoid-the-pink-tax-and-save-on-disability-insurance) ## Recommended Posts ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Is Your Life Insurance Stuck in the Past?](https://www.tmait.org/blog/is-your-life-insurance-stuck-in-the-past) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [One Conversation Changed the Way She Thought About Life Insurance](https://www.tmait.org/blog/one-conversation-changed-the-way-she-thought-about-life-insurance) ### [Protect Your People and Your Plans from the Start with Life Insurance](https://www.tmait.org/blog/protect-your-people-and-your-plans-from-the-start-with-life-insurance) ### [Income Protection Insights for Locum Tenens and Contractors](https://www.tmait.org/blog/income-protection-insights-for-locum-tenens-and-contractors) ### [Protecting Your Legacy Starts with the Right Life Insurance Plan](https://www.tmait.org/blog/protecting-your-legacy-starts-with-the-right-life-insurance-plan) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ## Speak with a TMA Insurance Trust Advisor: TMA Member Term Life coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. 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