Grand Rounds Wealth helps physicians, dentists, residents, and healthcare professionals secure own-occupation disability and life insurance — before a diagnosis, injury, or underwriting change makes it harder to get covered.
Sources: Social Security Administration; Council for Disability Awareness. Figures are industry-wide averages, not specific to any policy.
Most medical professionals spend years and hundreds of thousands of dollars building the ability to earn a high income, then leave that ability completely exposed. Group coverage through an employer is often capped, taxable, and disappears the moment you change jobs.
Employer-provided disability plans typically cap benefits, use broad "any occupation" definitions, and don't move with you between jobs or practices.
Health changes, family history, and even normal aging can limit your options later. The best pricing and terms are almost always available earliest in your career.
Student loans, a mortgage, and a growing family create real financial exposure that a single group life policy rarely covers.
We help you understand what you actually have, what you're missing, and how to close the gap — with no pressure and no obligation.
Income protection designed around your specialty, with true own-occupation definitions that protect you if you can't perform your specific duties.
Coverage sized to your real financial picture — student loans, mortgage, dependents, and long-term goals — not a generic multiple of salary.
Independent brokers in this space typically compare five carriers known for offering true own-occupation contracts strong enough for medical specialties. We'll shop your case against these and others based on your state and specialty.
Long-standing own-occupation contracts favored by many specialists.
Radius and Radius Choice policies with customizable riders.
Comprehensive true own-occupation coverage for physicians.
Competitive pricing with true own-occupation definitions.
Platinum Advantage policies built for medical professionals.
Placeholder — update with the specific carriers you're appointed to represent.
We'll walk through your current coverage, your specialty, and what actually matters for your situation — no cost, no obligation.
We shop your case across the top-rated carriers and bring you a side-by-side comparison in plain English.
Choose the option that fits. We manage the paperwork, underwriting, and follow-up so you can get back to your patients.
"I'd had the same group disability policy since residency and never looked at it twice. They showed me exactly where the gaps were."
"Everyone took the time to explain the definitions and make sure I actually understood what I was buying, not just sign where indicated."
"I felt relieved knowing that if something happened, my family and I were actually covered — not just technically insured."
No pitch, just the framework we use with clients: what "own-occupation" really means, common policy exclusions, how much coverage to actually buy, and the pros and cons of relying on group coverage alone.