There's a point in every physician's career where you can stop paying for disability insurance — and most doctors have no idea when that point arrives. In this episode, Dr. Jimmy Turner and Justin Harvey, CFP® break down the full physician insurance stack and tackle a question they've never covered in 270+ episodes: when (if ever) should you drop your disability and term life insurance policies? What you'll learn: Why own-occupation DI is the #1 financial priority for every doctor — even before paying off credit card debt How to make DI affordable on a resident budget Why you should secure disability insurance BEFORE term life (an underwriting issue most docs never hear about) Tail coverage red flags to negotiate before signing a contract The "leverage frame" for keeping coverage after you hit financial independence Jimmy also shares his own cautionary tale: bad advice from an insurance agent as an MS4 left him permanently uninsurable for DI coverage. Don't let that be you. 👉 Get a quote that includes every option — including GSI policies your program may not know about — at moneymeetsmedicine.com/disability Hosted by Simplecast, an AdsWizz company.