Insurance Planning

Manage risk with the right coverage at the right cost

Constructing a strategy that balances employer coverage with premium costs and your overall risk is essential to financial security and peace of mind. We’ve got you covered.

Comprehensive insurance review to identify any gaps in your life, disability, and property and casualty insurance

Recommendations for ways to shore up any exposure and save on premium costs

Policy selection for your personal and professional life

Why it's important:

As a doctor, your earning potential is one of your most important financial resources. Protecting against the loss of income is an essential risk management strategy that enables you to care for your loved ones in the event of death or disability. Also, doctors need strong asset protection given your odds of being sued over the course of your career. We help you navigate these complex decisions, providing you and your family with peace of mind.

See how Earned supports doctors with:

Ensuring proper coverage for one doctor's unique needs

While working with this doctor on his disability and term life insurance coverage, Earned became aware of the doctor's recent health issues and minor child with special needs. With this information, the doctor's Advisor was able to present him with options for coverage, such as a Chronic Illness Rider and a Special Needs Trust, to provide adequate coverage and ensure the future care of his child. Scenarios presented are for illustration purposes and may not be typical of all clients. Individual results will vary.

How it works

Using the Earned Wealth App, you’ll upload your existing insurance policies for review including life insurance, disability, P&C and umbrella insurance policies

See how Earned is working to achieve your goals

Through the Earned Wealth App, you will clearly see how Earned is working on your behalf to achieve your goals. Seamlessly share information and connect with your Earned Advisor when it works for your schedule.

Explore the Playbook

Our Doctor Wealth Playbook is a proprietary process that we use to identify, prioritize, and action wealth creation opportunities for our doctor clients. Explore the next pillar in the playbook, Debt & Cash Management.

Your assets are secure

Your assets are custodied at Fidelity and protected by SIPC. As one of the nation’s largest institutional custodians, Fidelity oversees $4 trillion in assets under administration. Fidelity’s financial stability, its compliance with industry regulations, and its insurance protection via the Securities Investor Protection Corporation (SIPC) all serve to help safeguard your investments.

Frequently Asked Questions

In addition to taking a comprehensive look at your insurance coverage based on your unique circumstances, we can help you with life & disability insurance, review of auto, home owners, umbrella policy, and long-term care insurance.



Why Every Physician Should Consider Disability Insurance

Disability insurance, also referred to as disability income protection, provides a monthly predetermined replacement income should you find yourself unable to work or generate an income



Life Insurance for Physicians

From student loans to owning a practice, and even lawsuits - physicians have specific needs for life insurance. Find out how to determine how much insurance you need and what type of policy is best for you.



Do Physicians Need Umbrella Insurance?

As a physician, it’s safe to say you experience risk differently than most professionals. Umbrella insurance helps cover non-occupation-related liability gaps in your insurance policies.



What to Look for in a Medical Malpractice Insurance Policy

Here are the main things you should take into account when searching for the right medical malpractice insurance policy.


The information in this communication was prepared for educational purposes only and is not a solicitation to buy or sell any security or insurance product, nor an offer to provide investment advice. All examples are for illustrative purposes only and may not be relied upon for investment decisions. Nothing contained herein should be construed as legal or tax advice and is not intended to replace the advice of a qualified tax advisor or legal professional. The information presented may have been compiled from third-party sources we believe to be reliable but cannot guarantee its accuracy or completeness.

This communication contains past investment recommendations for illustrative purposes only. Earned Wealth makes no assurances, nor should it be assumed, that recommendations made in the future will be profitable or will equal the performance of the securities included in this presentation. Due to various factors including changing market conditions, such recommendations may no longer be appropriate; nor should any past recommendation be taken as personalized investment advice.

Earned Wealth is an SEC-registered investment adviser. Additional information about Earned Wealth, including its services and fees, is available online at






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Investment advisory services offered through Earned Wealth, an SEC-registered investment adviser.