Skip to main content
Doctor and patient in cabinet

Wherever you train or work, we'll help you secure the best option available

Some physicians qualify for institution-based program options through top carriers. These can include discounts, streamlined underwriting, and in some cases Guaranteed Standard Issue (GSI), which typically does not require a medical exam. We’ll confirm what applies to you, then recommend the strongest specialty coverage with the maximum discounts available for your situation.

What we’ll do for you:

  • Confirm whether any program options apply based on your training program or employer
  • Explain what the option actually changes (pricing, underwriting, or both)
  • Recommend the best path forward even if no program applies
Schedule a Call

Clarity you can act on

In one short step, you’ll know what matters for your specialty and what to do next.

View More

Schedule a Call

Talk through your specialty, stage of career, and priorities. We’ll clarify what strong coverage looks like for you and the tradeoffs that actually matter.

  • What “good coverage” means for your specialty
  • Which definitions and riders matter most
  • Clear next steps, without pressure
  • Concierge-level support through underwriting and beyond
Schedule a Call
Clear guidance. No obligation.

Policy Review

Already insured? We’ll review your current policy so you understand the definition, riders, and any gaps before you ever need to file a claim.

  • Confirm whether your policy truly protects your ability to practice your specialty
  • Review riders, benefit structure, and common gaps
  • Get a clear summary of what to keep, change, or add
Policy Review
Fast, practical, and objective.

Why physicians choose PPG

You can get quotes anywhere. The difference is getting the details right for your specialty and having support when things change.

...
...

Specialty-first guidance

We focus on how disability insurance applies to the realities of practicing medicine, not generic coverage.

...

Clear advice on the details that drive outcomes

Definitions, riders, and tradeoffs explained in plain English, so you can make a confident decision.

...

Concierge-level follow-through

Streamlined underwriting support, clear next steps, and long-term service as your career evolves.

Learn about True Own-Occupation

See How We Work
Disability Insurance for Physicians book cover
...

Work with the person who wrote the book on physician disability insurance

Physician disability insurance is a detail-driven decision. Definitions, riders, and policy structure matter most when you need the coverage. PPG helps you get those details right with clear guidance and a process built around a physician schedule.

  • Work directly with Billy Gwaltney (ChFC, CLU)
  • Serving physicians for 30+ years
  • Author of Disability Insurance for Physicians → Get the Book
  • Concierge-level support through underwriting and beyond
Buy Now

Testimonials

Dr. Kelly

Trauma Physician

"Billy was tremendously helpful in explaining the policy and the process of making a claim… Having this disability policy has relieved a huge source of stress at a very difficult time."

Dr. Christian

Orthopedic Surgeon

"He never tried to up-sell me anything, but rather took the time to explain each option clearly so that I could make my own informed decisions."

Dr. Myers

Female Pelvic Medicine and Reconstructive Surgery

"I met Billy over 4 years ago when I was finishing my OBGYN residency… He took the time to explain the pros and cons… without making me feel pressured to purchase any."

Quick answers physicians are searching for

...
...

Clear, direct answers to the questions that most often determine whether a policy truly protects your specialty income.

Schedule a Call or
Policy Review
It generally means you can qualify for benefits if you cannot perform the material duties of your specialty, even if you can still work in another role. The exact wording matters, so it should be verified in the policy itself.
Sometimes it provides a baseline, but the definition, limitations, and portability vary widely. A review helps you understand what it would do in a real claim scenario.
Learn more
It depends on specialty and career stage, but the most important riders are usually the ones that protect partial disability scenarios and help coverage keep pace with income growth.
Learn more
Earlier is often simpler, especially before health changes and before income rises. The right timing depends on specialty, training stage, and what your institution already provides.
Learn more
Many physicians can get clarity quickly, but underwriting timelines vary based on health history and carrier requirements. We will outline the expected steps and timeline up front.
Learn more
We clarify your specialty, income, and priorities, then explain the coverage structure that fits and the tradeoffs that matter. You leave with clear next steps.
Schedule a Call

More resources