Dr. Carter had a routine.* Morning coffee. Clinic by eight. She had a full schedule of patients who counted on her steady hands and sharp mind. After years of training and sacrifice, life finally felt comfortable. Her income covered the mortgage, her kids’ activities, and the growing retirement fund she’d worked hard to build.

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.

Your skills and expertise are more than just part of your profession—they’re your greatest assets. They’ve shaped your career, supported your goals, and helped you build a strong financial foundation. But your ability to earn an income isn’t guaranteed. An illness or injury could unexpectedly take you away from your practice, creating uncertainty at a time when security matters most.

If an unexpected illness or injury disrupted your ability to work, would your finances be able to support you? Residents and young physicians are especially at risk because they are most likely facing financial obligations such as education loans, mortgage or rent payments, and auto payments, among other expenses.

You dedicate so much time to your career and responsibilities—have you considered how the life you’ve built will continue to support your family in the years ahead? The long hours and demands of being a physician often leave little time for reflection. It’s easy to delay these decisions or overlook the steps needed to help secure your family’s future.

How would you handle a diagnosis that changes everything? Critical illnesses often progress silently, catching you off guard and leaving little time to prepare. In those moments, wouldn’t knowing you have guaranteed financial support be reassuring? Life doesn’t offer guarantees, but the TMA Member Critical Illness Insurance plan does.

As a physician, you devote your life to caring for others—but when a serious illness disrupts your life, who will care for you? TMA Insurance Trust, created by physicians for physicians, understands the unique demands you face. That’s why we’re offering two guarantees to help ensure you have the protection you deserve:

A diagnosis you don’t plan for can turn your world upside down. It’s a reality faced by millions each year. In 2024 alone, two million new cancer cases were diagnosed nationwide,¹ with 147,910 projected in Texas.² Strokes, Alzheimer’s disease, and major organ failure are among the many life-altering conditions that take a devastating toll. In the United States, a heart attack occurs every 40 seconds.³