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 two agents from below.  Then, get multiple quotes from each agent.  Then, buy the right product for you at the best price.  If they provide conflicting information, consider a third agent.

Disclosure: All of the businesses listed below have paid to be sponsors on this site.  

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


Disability Insurance for Doctors

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 


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 

Disability Insurance for Doctors

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 .

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.


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.

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.

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