The Future of Physician Representation

Disability & Life Insurance

Disability Insurance

Easier Underwriting for Graduating Medical Residents

The medical resident program is exclusively designed for Residents who need their individual Disability Income (DI) insurance to keep pace with their growing income once they being to work or sign an employment contract. The program lets Residents purchase higher benefit amounts with no lab requirements.

Why Residents should buy it now

If you buy a policy now, the rates are based on your current age and health. The longer you wait, the higher the cost. Whatever you buy today will likely be the lowest rates you will pay for the rest of your life

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Why you need disability insurance (DI):

You have spent the last eight or nine years in college and medical school training to become a Physician. You followed that up with three to seven years of residency and maybe another year of fellowship for good measure. You have invested 11 to 16 years into your business. Your most valuable asset? Your ability to earn money over your working life. This is by far more valuable than any tangible asset you may own. Your earning ability is worth anywhere from $5,000,000 to $25,000,000 depending on specialty and the amount of time you choose to work. You have car insurance for your car, homeowner’s insurance for your house, and health insurance for your medical bills. You need to insure the most valuable asset you have, YOU!

Eligibility Requirements

  • Includes medical residents only
  • Applying for DI coverage between Jan. 1 – Sept. 30 of graduation year

Application Process

  • Complete the new DI application
  • Note on Producer Reports that it’s part of the medical resident program
  • No lab tests are required (no blood or urine)
  • The benefit limit for a resident is $5,000 monthly benefit
  • Discounted medical resident rates for 180 days after graduation

Life Insurance

Term Insurance
  • Inexpensive
  • Uses
  • Most Important Characteristics
Permanent Insurance
  • Indexed Universal Life
  • Whole Life
  • Variable Life
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Term Insurance

  • Inexpensive
  • Uses
    • Short Term Liability
    • Protection Against Catastrophic Event
    • Fund Buy/Sell
  • Most Important Characteristics
    • Length of Coverage
      • 5, 10, 15, 20, 25, 30, 40 years
    • Carrier Strength
    • Conversion Privilege

Permanent Insurance

  • Indexed Universal Life
    • Created to Combat Index Funds and ETFs
    • Investment Component
    • Indexing Strategy Used
    • Extremely Flexible
    • Can be Used for Savings
    • Can be Used for Death Benefit
  • Whole Life
    • Expensive Cost of Insurance
    • High Management Charges
    • Policy Performance Based on Dividends
  • Variable Life
    • Internal Value Rises and Falls with Market Volatility

Offer Letters & Contract Review

Receiving an offer letter is an exciting time in a physician’s career – whether it’s your first job, negotiating new terms, or relocating for a better opportunity. During the review process, it’s important you understand your market value, regional dynamics, salary/compensation, length of a guaranteed contract, partnership track, employee benefits, moving expenses, vacation time, etc.

With our client first mentality at EMA, we partner with Healthcare Attorneys across the country to ensure your best interests are at the forefront to help you every step of the way. Our partners specialize in physician contracts – they understand the language, compensation structures, and terms that affect a physician’s personal and professional life.

Contract Negotiation

Understanding how to best navigate the negotiation in a diplomatic fashion that produces a win-win for both parties is a challenging endeavor that causes most physicians stress. As much as you want to believe our employer has your best interests at heart, the reality is that while they love and appreciate the contributions you have made, they are a business and are looking to make a business decision. Similar to standard business negotiations, most employers offer below market wages and vague terms in hopes you will simply accept their offer without any counter.

At EMA, we are here to help ensure your contract negotiations are handled in a fair and respectable manner by expert healthcare attorneys. Proper negotiations can lead to increased compensation, more favorable work/life balance, student loan repayment and greater long-term career opportunities.

Financial Service Professionals

Financial Advisors & Wealth Managers

Whether you are a graduating Resident/Fellow, or in an early stage of your career it is most advisable to identify a Financial Advisor that you trust and who puts your best interests at heart. Many times physicians don’t know who to turn to and instead of properly vetting a financial advisor that will work best with you,

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They opt to work with someone they don’t know – or an old friend where they are now the highest-earning client on their books.

At EMA, we pride ourselves on providing synergistic introductions to the right financial advisor – one that understands your needs as a high-income earner displays a proven track record, and helps ensure your long-term success.


As a specialty surgeon/physician, there is a high probability that you will earn a substantial amount of money over the course of your career. Understanding how to properly set up your business, protect assets, and maximize your take-home pay is as important as ensuring you are able to earn hundreds of thousands of dollars each year.

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At EMA, we have established a national network of CPAs that understand the complexities of high-income earners and are ready to assist you as you navigate your professional and personal life.

Trust & Estate Attorneys

Through your dedication and years of training, your hard work will start to pay off and you will see your income/assets increase. As a high-income earner, it’s important that you protect yourself and your family. A highly skilled trust attorney will be able to establish trusts for loved ones, minimize estate taxes, avoid probate,

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Create wills, plan for disability, and much more.

At EMA, we have established a national network of Trust and Estate Attorneys that understand the complexities of high-income earners and are ready to assist you as you navigate your professional and personal life.

Banking & Mortgage Professionals

Making a move to a new area is never easy so you want to make sure you and your family can get into a house that makes you feel comfortable. Unfortunately, with real estate prices continuing to rise, you might be concerned about how much you can afford.

At EMA, we have forged national

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relationships with banking and mortgage partners that provide sizable loans, minimize concerns around PMI, and have favorable LTV considerations to help make your experience as painless as possible. Additionally, if you’re thinking about starting your own practice, taking on a new business venture, or buying into a surgery center our partners will be with you every step of the way.