Recommended Insurance Agents

One of the most important goals I had in creating this site was to be able to recommend businesses that I have personally vetted to my readers. I always found it challenging to determine who I could trust for various needs. Particularly in the financial industry. 

Many of you know that I had my own personal disability insurance debacle.  So, I do not take this list lightly.  Many have been turned down so that I can provide you the truly trustworthy independent insurance agents that you need.

Every insurance agent on this list is an “independent” agent. They can sell products from the “big six” insurance companies that offer true own-occupation, specialty specific definitions of disability.  When using this list, I encourage everyone to choose three agents from below.  Then, get multiple quotes from each agent.  Then, buy the right product for you at the best price.

All of the businesses and people listed below have paid to be sponsors on this site.  In addition to being a helpful list of sponsors, this list obviously serves to support this sites charitable mission.

If you would like to be a sponsor on this website, click here.

Dr Disability Quotes

Bob Bhayani, MBA is managing partner for a truly independent provider of disability insurance planning solutions to the medical community nationwide. He regularly lectures at hospitals and faculties regarding creation of income protection and risk management solutions. Bob and his team have specialized in working with residents and fellows early in their careers to set up sound insurance strategies. Bob has leveraged his decades worth of relationships with top insurance companies to deliver discounts to all eligible applicants. is an interactive website where physicians are able to gain a wealth of knowledge regarding disability insurance and also run instant life insurance comparison quotes from various companies. 

PKA Insurance

PKA Insurance Group Inc. / Pradeep K Audho

Pradeep Audho is an independent insurance broker and the owner of PKA Insurance Group Inc.  His focus is on Disability and Life insurance. Pradeep has over 14 years of experience providing clients with Disability and Life insurance. He represents all the major Own Occupation disability insurance carriers. Many of his clients are immigrant physicians and he is very experienced with the additional issues they may encounter when purchasing insurance products on a work-visa or as a non-US citizen. You can request a disability quote HERE.  And you can also run instant Term Life insurance quotes HERE

Pattern Insurance

At Pattern, we understand researching disability and life insurance can be overwhelming. That’s why thousands of doctors have trusted us to help them understand the insurance they’re buying.

We have an easy 3 step process to help busy doctors compare and buy disability and life insurance so they can feel confident they have the right policy and that their income and family are protected.

You can contact Pattern at 


D.K. Unger is an independent life/disability insurance agent with DI4MDs, a boutique independent agency based out of San Diego, CA. He represents all the insurance companies that offer true own occupation protection to physicians and is also one of the authorized agents for the UCSD and Scripps house staff guaranteed issue disability plan. D.K. does not send the same plan design every time; he will ask questions to tailor a plan to your personal situation; saving you from paying for what you do not need. He has a network of contacts with guaranteed issue disability plans, so will often be able to help those who would otherwise be declined for coverage.

D.K. prides himself on his availability and quick turnaround times. If you’re looking for someone who treats each client like his only one, he is your guy. He can be reached directly via email at dku(at), by scheduling a call, or by calling 858-523-7529.

Set for Life Insurance

Set for Life is one of the nation’s top independent brokerages specializing in life and disability insurance for physicians and professionals. Since 1993 they have worked with thousands of clients finding the most suitable products at the greatest discounted price.

Set for Life Insurance is run by Jamie Fleischner, CLU®, ChFC®.  You can contact Set for Life utilizing their contact page, or by emailing them at .

Larry Keller

Physician Financial Services

Physician Financial Services is run by Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF.  Larry is the founder of Physician Financial Services, a New York- based firm specializing in income protection and wealth accumulation strategies for physicians.  He specializes in own-occupation disability and life insurance products, and has written multiple posts on this site.  He is an independent insurance agent that can recommend products from multiple companies, which is exactly what you should be looking for if insurance products are needed.

Larry can be reached at (516) 677-6211 or by email to 

Crisp Physician Solutions

Crisp Physician Solutions was founded and is owned by Amber Stitt, ACP, AIF®, ChFC®. Amber works nationally as an independent agent, assisting physician households by customizing their insurance plans depending on individual needs and family size. For almost ten years, her team has provided clients with education focused consultations that cover current plan options to meet personal goals for their specialty and practice; while providing best discounts available. The CRISP team believes in utilizing streamlined processes for clients so that obtaining insurance is stress-free from application to approval.

Amber can be reached at (480) 707-2771 or by email at  To schedule a complimentary consultation, please view her calendar link.

MD Financial

MD Disability

Specializes in “Own Specialty Discounted Disability and Term Life Insurance Contracts” Our disability contracts pay when you are unable to perform the duties of your specific medical specialty, even if you retrain for another specialty or occupation and regardless of your post disability income. We pride ourselves on designing the right policy for each specific individual physician based on their needs. For example, dual waiting period disability insurance may work better for your situation and save you money. Likewise, with Term Life Insurance a laddered term life strategy can protect your family the right way and save you thousands in premiums over the years as you gain Financial Independence. Owner Scott Nelson-Archer, CLU, ChFC and his team (Ryan, Amber, Gary, Matt, and Joe, along with a few others) each have on average 20+ years of experience helping thousands of physicians across the country protect their future with disability income insurance and low-cost life insurance.  Give us a call at 303-953-0263 or drop us an email at, you will be glad you did.


Kaplan Financial

Robert B. Kaplan, Certified Financial Planner™, founder and President of Kaplan Financial, specializes in serving the unique disability insurance needs of over 2,500 physicians nationwide. Robert, who founded the firm in 1990, is a former CPA with Ernst & Young and has been married to a practicing physician for over 25 years.  Robert is a recognized sales leader among disability insurers. He works with a broad range of insurers to find the best combination of policy features, cost, and financial strength for you. As a result, he is able to make informed recommendations based on objective research and your individual needs.

Kaplan Financial is the place to go for objective and experienced financial advice, discounted rates on individual disability insurance, and a long-term commitment of superior service. I invite you to contact Robert Kaplan, CFP® today by visiting his website at; email; or by calling 818.783.6620.

Do you want to become a recommended insurance agent?

If you are interested in joining this exclusive list (and are an independent insurance agent without complaints against you), feel free to contact me for details on site sponsorship.  Email is editor(at)thephysicianphilosopher(dot)com