Teenagers and college grads expect to “have it all together” by their 30s. It’s ok to be a kid in your 20s — even in med school — but when the infamous 3-0 rolls around, it’s time to focus on building a solid foundation, climbing the ladder, and settling down to start a family.

Physicians are among the highest earners, but many don’t feel like it. Having already managed large debt burdens on compressed budgets by the time they pay off their student loans and build up to a sizeable income, many physicians learn the value of setting financial goals and seeking professional advice early on.

There’s an old episode of “The X-Files” in which insurance salesman Clyde Bruckman, played by Peter Boyle of “Everybody Loves Raymond,” sits with a young couple at their kitchen table trying to sell them an insurance policy.

What is long-term disability insurance?

When unwanted illness or injury keeps you from practicing medicine for months or years at a time, a long-term disability insurance policy is designed to provide a benefit while you are unable to work.

Permanent life insurance provides death protection for policyholders, but is it the right solution for all physicians?

Here are five reasons why physicians might want to obtain or keep a permanent life insurance policy:

Health insurance offers more than just medical care; it offers peace of mind and reassurance. The harsh reality of the matter, however, is that even the best medical insurance plans can still leave you with expensive deductibles and co-pays, not to mention the unforeseen out-of-pocket expenses that can come with an extended hospital stay.

Insurance. If you’re a Millennial, the word probably evokes yawns and shrugs. But insurance is needed for many reasons in our lives. We purchase travel policies when we book a vacation. We insure our cars. But what happens when that car gets smashed by another car, sending you sideways into the landscape? Or the plane falls out of the sky? Or you get sick.

These are dramatic images, but they can happen. To anyone. At any age.

Life insurance policies are a critical element of a family’s financial plan. Selecting the right policy ensures your family’s well-being should the unexpected take place.