As a Texas physician working through the current health crisis, every day you face unprecedented risks and challenges.
As a result, now more than ever, our members want to ensure they have the best protections in place for themselves and their families.
A top priority for most Texas physicians right now is disability insurance.
Look For More Than a Low Rate
Disability insurance is essential at this time because it can provide income in the event an illness or injury prevents you from working.
All too often, we hear from physicians who want to look for a new policy simply to find a lower rate.
Disability insurance is too important to be assessed by rates alone. The decisions you make when you choose a plan can have long-term implications.
A Serious Decision Warrants a Trusted Partner
If you were sidelined by a disability, you could end up needing long-term benefit payments. You want to be sure your plan is issued by a reputable carrier – and that you have chosen the appropriate features for your individual circumstances.
How can you be confident you are getting the right plan for your needs?
Before you look for a plan, look for a trusted advisor.
Our Advice Cannot Be Purchased
Why work with a TMA Insurance Trust advisor?
Our advisors are licensed professionals who have worked with Texas physicians for decades. They have deep knowledge of the disability insurance landscape and are well versed in its nuances and complexities.
Unlike most agents or brokers, our advisors do not work for sales-based commissions. And they are not tied to any specific insurance company – unlike an agent who might represent only one carrier.
When you work with us you will never feel any pressure or obligation. Our advisors have one mission only – to advocate for your best interests.
It is also important to note that our services are provided to you at no cost at any time.
Increase Your Coverage Cost-Effectively
If you currently have a disability insurance plan and it is right for you, we will tell you so.
If it has been a while since you obtained your policy, our advisors may explain that with your increased age – and the possibility that your health may have declined – you would not be able to get the same coverage at a lower rate.
That said, there are situations where our advisors can help you find ways to cost-effectively increase your disability coverage.
For example, if your income has increased since you obtained your policy you may want to increase the amount of your benefit to better align with your current standard of living.
One option for you might be to get a supplemental disability insurance plan.
That could be a cost-effective way to increase your total amount of coverage – without duplicating all the features of your original policy.
This is where an experienced advisor can provide valuable guidance.
Review Plans, Features And Costs
If it is agreed that more coverage is needed, an advisor will develop a proposal of potential solutions. It will include a review of the most important benefits, features and costs of each plan.
TMA Insurance Trust advisors work with the leading carriers in Texas. And with the size and strength of our membership, we can create exclusive products and negotiate savings for members that won’t be available from other agents or brokers.
When your proposal is sent to you, a phone call can be arranged so your advisor can present your options and their recommendation.
Once you decide on a plan, your advisor will help you complete the application and work with the insurance company to help secure the policy.
A Short Phone Call Can Go a Long Way
We know these are extraordinary times for Texas physicians. So we want you to know we are whole-heartedly dedicated to making it easier to help you get the disability insurance you need.
We invite you to speak with an advisor as soon as it is convenient for you. Call us toll-free at 1-800-880-8181 7:30 AM to 5:30 PM Monday to Friday CST.
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.