--- title: "Texas Physicians Beware: Not All Advisors Have Your Best Interests at Heart" description: Not all advisors have your best interest at heart. Some physicians end up without enough coverage or to much coverage. How can you find what's best for you? image: https://www.tmait.org/hubfs/Blog_Images/businessman_with_laptop_cropped_to_fit.jpg --- - [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/Blog_Images/businessman_with_laptop_cropped_to_fit.jpg) [Independent Physician](https://www.tmait.org/blog/topic/independent-physician) # Texas Physicians Beware: Not All Advisors Have Your Best Interests at Heart 9 July 2016 As a physician, your income puts you in the top 5% of all Americans. Your earning potential makes you a target for every financial advisor and insurance agent in the business. However, not all advisors have your best interests at heart. Insurance advisors do not take a Hippocratic oath and even many well-intentioned agents do not understand the unique needs of physicians. As a result, some physicians end up without enough coverage in the areas they really need and too much of the types they don’t need. How can you be sure if an agent is recommending what is really best for you? TMA Insurance Trust was created for this very purpose. We know that your medical training did not prepare you for the challenges of managing personal finances. We also know as a physician, your lifestyle and financial needs are unique and deserve the attention of a specialist, someone who understands how residency, opening a practice or becoming an employed physician dramatically impact your financial situation. That’s why in 1955, TMA created TMA Insurance Trust to safeguard the financial interests of TMA member physicians from residency to retirement. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/94828988-d0f8-4529-bb97-75f52a616969.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/94828988-d0f8-4529-bb97-75f52a616969)***[800-880-8181](tel:800-880-8181) 7:30 – 5:30 CST Monday – Friday***   All our TMA Insurance Trust advisors are licensed insurance advisors with decades of experience exclusively serving Texas physicians. Our sole mission is to support and serve you. Where other agents see dollar signs, we see a fellow TMA member. That’s why our services are provided at no cost as part of your TMA membership. Where others may want to reap the rewards of your hard work, we honor the sacrifices that have brought you to where you are. The long nights, weekends on call, the physical, social and emotional demands that make this profession unlike any other. At TMA Insurance Trust, we are here to protect what you have worked so long to build. TMA Insurance Trust provides quality, unbiased advice and insurance products that have been specifically developed for, and are exclusively available to TMA members. In fact, we are the only insurance agency endorsed by TMA. But whether you end up buying insurance from us or not, your TMA Insurance Trust advisor is here to support you, answer questions, help you compare policies and walk you step-by-step through the process. If you do decide to purchase a policy for yourself, a family member or your practice, a portion of the premium dollars goes back to strengthen your county medical society. The county medical societies are on the front lines working to improve working conditions for physicians, increase graduate medical education (GME) funding and resident training positions as well as securing more money for women's health and mental health services. TMA Insurance Trust is proud to support the work they do on your behalf. TMA Insurance Trust is your partner throughout your entire career journey from medical school to residency and all the way through to retirement. Your fellow members trust TMA Insurance Trust. We have issued approximately 20,000 policies protecting member physicians, their families and medical practice staff. Find out how we can protect you. Give us a call today. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/ece1cb76-6a4e-4975-bbf0-c2cd3f454c27.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/ece1cb76-6a4e-4975-bbf0-c2cd3f454c27) 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. ** [ Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Nearing Retirement ](https://www.tmait.org/blog/topic/nearing-retirement) [, Retired Physicians ](https://www.tmait.org/blog/topic/retired-physicians) [, Young Physicans ](https://www.tmait.org/blog/topic/young-physicans) ** [Employed Physicians](https://www.tmait.org/blog/topic/employed-physicians) [**Previous Entries](https://www.tmait.org/blog/5-tips-for-taking-aim-at-texas-physician-student-loan-burdens) [Next Entries**](https://www.tmait.org/blog/mistakes-to-avoid-when-buying-life-insurance) ## 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