If you are a female physician, your personal achievement and hard work has come with an economic reward. Because you have a significant income, you likely play a prominent role in the lifestyle your family leads. You also bring financial stability to your household.

Because your family’s well being likely hinges on your income, life insurance protection plays an important role. But according to life insurance industry estimates, about 58% of men have life insurance, but only 48% of women are covered.* Do you have the life insurance you need to help protect your family’s future?

Time passes fast. Especially for physicians, who invest heavily in their education and training. Days turn into weeks, and months into years. Along the way you may get married, buy a home, have children. Perhaps you start your own practice or pursue a specialty. With each change that comes along, life has undoubtedly gotten more complex. Income, assets, investments, and savings likely have grown through the years.

The face of medicine is changing. What used to be a male-dominated field is undergoing a historic shift. According to initial enrollment data, at medical schools across Texas women are expected to comprise the majority of the graduating class of 2021.

Whether you are a new physician or one of the many women who paved the way leading to this moment, you can be proud of the accomplishment.

The rates for you are very likely higher than those paid by your male colleagues.

In some cases, 40% – 50% higher*. This is what some call a “pink tax’ – a surcharge based solely on the fact that you are a woman. Why is this so? Because statistically, insurance companies find women physicians become disabled more than their male colleagues.

As a female physician you’ve worked incredibly hard to be where you are today. Whether you own a thriving practice, or work in a large medical center or hospital, you’ve put in the hours, jumped the hurdles, met the challenges – in short, you’ve paid your dues. So why shouldn’t you be able to get more affordable rates for disability insurance?

The long hours of study, the grueling night shifts, the heavy burden of student loans. As a female physician it’s obvious that you have paid your dues to get where you are today. And it goes without saying that you have worked just as hard as your male counterparts to achieve your goals.

So if you were told that your rates would be higher for long term disability insurance than those paid by male physicians – for the same level of coverage – you might be somewhat surprised and more than a little disappointed.