--- title: Protecting Your Legacy Starts with the Right Life Insurance Plan description: Life Insurance is one of the most important financial tools to help provide increased security for your loved ones in the event something were to unexpectedly happen to you. image: https://www.tmait.org/hubfs/April%202025/April%202025%20Week%201%20-%20Life.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 ![Family of Four Together](https://www.tmait.org/hubfs/April%202025/April%202025%20Week%201%20-%20Life.png) [Life Insurance](https://www.tmait.org/blog/topic/life-insurance) # Protecting Your Legacy Starts with the Right Life Insurance Plan 5 April 2025 As a physician you dedicate your time to providing your patients with the best possible care. With your busy schedule, it’s easy to overlook the importance of reassessing your life insurance policy to ensure you have the right protection in place. However, life insurance is one of the most important financial tools to help provide increased security for your loved ones in the event something were to unexpectedly happen to you. TMA Insurance Trust offers life insurance to provide support for every stage of your career and to those who would depend on you in your absence. These plans can help ensure your family has the financial resources to maintain the quality of life you intended and cover essential and future expenses. Our life insurance solutions are tailored to your needs, offering both individual plans and a plan for members with exclusive member rates. Additionally, TMA Members have access to exclusive benefits and features, including high benefit amounts. [![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) 8:00 – 5:00 CST Monday – Friday*** ## Five Reasons to Review Your Coverage While you may have previously secured life insurance coverage early in your career, life changes over the years and your financial responsibilities have likely shifted. That’s why it’s a smart choice to reassess your policy to ensure your coverage keeps up with your needs in today’s economy. Adding the right supplementary coverage plan can help ensure your family remains financially secure and that you have a reliable safety net in place. Top 5 Reasons Texas Physicians Need to Review Their Life Insurance: 1. **Inflation’s Effect** - You may have bought the appropriate coverage as little as five years ago, but has inflation reduced its buying power? Costs have increased across the board, and a policy that once provided financial security may no longer be sufficient. Additional supplemental coverage could very well be the perfect solution. 2. **Protecting Your Family** - Life insurance helps ensure that your loved ones can cover daily expenses, education costs, mortgage payments, and long-term financial needs if the unexpected happens. 3. **Can Cover Private Student Loans and Other Debts** - Unlike federal student loans, private loans, cosigned debts, and business loans don’t disappear upon death. Life insurance ensures these don’t become a financial burden on your family. 4. **Limited Employer Coverage** - Many employer-sponsored life insurance plans provide only 1-2 times your salary*, which is often far less than what physicians need. A personal policy is based on your specific needs and follows you even if you change jobs. 5. **Protects Your Medical Practice** - If you are a co-owner of a practice, life insurance can help fund buy-sell agreements, cover outstanding business loans, and maintain operational stability if you or your partner(s) are no longer there to practice. As a TMA Member you have access to exclusive and competitive member rates on group life insurance. We’re here to assist you with securing better benefits at a competitive rate, with a policy that’s built to work for you and your unique financial and career needs. Whether you’re starting out in your career or nearing retirement we may have options to suit your needs, including coverage for physicians up to age 70 with some underwriting. ## Tailored Protection for Every Stage of Your Career We have a unique understanding of your needs as a full-service insurance agency created by physicians for physicians. Our experienced advisors specialize in helping physicians explore their options and make informed decisions to find the right coverage based on their career stage, income, and long-term financial responsibilities. We help you evaluate: 1. How much coverage you actually need based on your family’s financial situation. 2. Whether your current savings are enough to cover unexpected expenses perhaps without the need for additional coverage. 3. What type of life coverage is best for your unique career path and personal needs, whether you work in a hospital, own a practice, or are nearing retirement. 4. We work with you to secure the best coverage for your unique needs, and if we don’t think you need additional coverage, we will gladly tell you. We’re as committed to your profession as we are to your family’s financial health. By securing life insurance through TMA Insurance Trust, you’re not just protecting your family but also supporting your profession. We reinvest and give back to TMA Members through funding programs like free CME courses in the TMA Education Center, providing this valuable resource at no additional cost. ## Secure the Right Coverage With Expert Guidance Don’t wait – planning ahead is crucial to ensure you have the right protection to help secure your family’s future, and coverage will never be more affordable than today. We’re here to assist you and our goal is to make your experience with TMA Insurance Trust exceed expectations. Our experienced advisors are not driven by sales-based commissions like traditional insurance agents and brokers - ensuring you receive unbiased advice with no pressure. Enrollment is easy and hassle-free, simply click below to get started. If you have any additional questions contact a live agent at 800-880-8181, Monday through Friday, 8:00 AM to 5:00 PM CST. Let’s take the next step towards securing greater peace of mind and confidence for you and your loved ones no matter what the future holds. [![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 70 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. * Understanding the Basics of Employer-Provided Life Insurance for Physicians, DoctorDisability - March 2025 ** [ Life Insurance ](https://www.tmait.org/blog/topic/life-insurance) [, Life Events ](https://www.tmait.org/blog/topic/life-events) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Family ](https://www.tmait.org/blog/topic/family) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Residents](https://www.tmait.org/blog/topic/residents) [**Previous Entries](https://www.tmait.org/blog/explore-your-group-health-insurance-options-with-expert-guidance) [Next Entries**](https://www.tmait.org/blog/youre-a-physician-youre-healthy-but-what-if-one-accident-changed-everything-ltd) ## 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) ### [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) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) ### [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [You Treat Illness, But Can You Afford It? 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