Protecting What Matters Most

Have you ever considered how well-protected your income is in the event of an unexpected illness or injury? As a physician, you're skilled at managing your finances, from savings and investments to retirement plans. However, one crucial aspect that many overlook is protecting your income with disability insurance. Discovering that your coverage falls short when you need it most is a situation best avoided. TMA Insurance Trust urges you to consider three essential factors that contribute to effectively safeguarding your income.

As your career as a physician progresses, the need for a comprehensive income replacement strategy becomes greater. While you may have had enough coverage in the early stages, it may no longer suffice as your income has grown and your financial responsibilities have increased. This is where the strategy of "stacking" or "laddering" disability insurance policies can provide a cost-effective solution to enhance coverage without replacing existing policies.

Managing a medical practice, whether with a team or independently, requires careful attention to costs without sacrificing quality care. One of the most significant expenses for physicians is health insurance. Finding affordable yet comprehensive coverage can be challenging, but TMA Insurance Trust is dedicated to helping you control costs without compromising coverage. We aim to assist you in efficiently managing your practice's healthcare while you focus on giving your patients the care they deserve.

Navigating the unpredictable is familiar territory for physicians, whether diagnosing complex conditions or performing life-saving procedures. However, navigating the unexpected in your personal life can present unique challenges. If you are diagnosed with a prolonged illness or injury and are unable to work, financial uncertainty can become an overwhelming burden for you and your family.

Life insurance offers a lifeline to help protect your family’s financial future should something unexpectedly happen to you. When you consider the uncertainties of life, ensuring your family's financial stability becomes paramount.

TMA Insurance Trust offers a range of life insurance options designed to help meet your needs. We understand the importance of the crucial safety net that life insurance helps to provide.

As a physician, you recognize the importance of protecting your income and securing financial stability for yourself and your loved ones. Disability insurance is a crucial part of this protection. By being a TMA member, you gain the opportunity to help safeguard your income with a benefit of up to $4,000/month without the need for income verification. However, with full underwriting, members can get up to $15,000/month. These benefits are paid regardless of any other coverage you may have.

As a Texas physician, your dedication to the practice of medicine is unwavering. But what if the future you’ve worked so hard to build is suddenly thrown into uncertainty? Recent times have reminded us how quickly life can change, often catching us off guard. That's why it's crucial to have a plan in place to protect your family. TMA Insurance Trust collaborates with leading carriers in Texas to help you secure life insurance—a practical solution offering an extra layer of financial support during tough times for your loved ones. This ensures that your family’s dreams and aspirations can still be realized, even in your absence.

Life is unpredictable and full of surprises; some pleasant, and others not. The abrupt and unexpected diagnosis of a critical illness falls into the latter category. It goes beyond threatening your health and disrupting your daily routines; your family's financial security is also at risk. Taking proactive measures becomes imperative.