Cover Your Assets Podcast with Billy Gwaltney

Ever wondered if your employer's long-term disability (LTD) policy truly has your best interests at heart?   In this episode of  Cover Your Assets , host Billy Gwaltney reveals the hidden truths behind employer-provided group LTD policies. Discover the significant gaps in these policies and why private specialty disability coverage might be a better safety net for you.  Billy shares insights f...

Did you know that the term 'own occupation' in your disability policy could mean completely different things based on your coverage type?  In this enlightening episode of the  Cover Your Assets  podcast, host Billy Gwaltney breaks down the complexities behind various disability insurance policies. He dives into the distinct differences between group employer policies and individual private...

Are you a resident or fellow physician looking to navigate the medical screening process for disability coverage with ease? In this episode of  Cover Your Assets , host Billy Gwaltney reveals the streamlined procedure for securing private specialty or occupation disability coverage and how it's been simplified to require minimal time and effort.  Walk through the electronic and phone-based med...

Are you prepared for the unexpected in the world of insurance? What happens to your policy if your agent quits or is no longer in the picture?   In this episode of  Cover Your Assets , Billy explains the concept of orphaned policyholders in the insurance world and the challenges they face without an assigned agent. He also underscores the importance of having a knowledgeable broker to guide you th...

Are you ready to secure your financial future and plan for a fulfilling career? In this fascinating episode of  Cover Your Assets , host Billy Gwaltney chats with  financial advisor John Navin , dissecting the intricacies of succession planning and long-term financial strategies. John shares his vast experience and unique personal journey, making complex concepts accessible and actionable. Discove...

Host Billy Gwaltney sits down with innovative  financial planner Kyle Christensen  in this riveting episode of  Cover Your Assets . Discover how Kyle's unique take on financial planning—focused on trust, continuous education, and the velocity of money—can transform your approach to wealth management and help you achieve financial independence. Kyle goes beyond traditional financial advice, adv...

Are you considering a guaranteed standard issue (GSI) disability policy and wondering if the broker still matters? In this episode of  Cover Your Assets , host Billy Gwaltney explains the crucial role of a broker even when purchasing a GSI disability policy. He outlines the importance of having a specialist broker to navigate the complexities of disability coverage and the claim process. With real...

Are you considering applying for disability insurance? In this episode of  Cover Your Assets , host Billy Gwaltney discusses the vital importance of applying for guaranteed standard issue (GSI) policies first, before applying elsewhere. He highlights the potential consequences of applying for disability insurance with other companies prior to GSI and explains why securing a GSI policy is essential...

Do you want to safeguard your hard-earned success? In this episode of  Cover Your Assets , host Billy Gwaltney breaks down the quote spreadsheet, providing a detailed overview of the Benefit Increase Rider (BIR) and what makes disability coverage so crucial for physicians in training.   Discover the top true specialty disability carriers and the key elements you need in your coverage plan. Learn t...

Are you a resident or fellow at NewYork-Presbyterian or the University of Rochester looking to enroll in the Guardian Guaranteed Standard Issue (GSI) disability policy? In this episode of  Cover Your Assets , host Billy Gwaltney outlines the seamless process for enrolling in the program, highlighting its simplicity and efficiency. Join Billy as he shares the step-by-step procedure, from filling ou...

Are you a resident or fellow at Ohio State University or OhioHealth? Are you fully prepared for the enrollment process for Ameritas Guaranteed Standard Issue (GSI) disability coverage? In this episode of  Cover Your Assets , host Billy Gwaltney breaks down the straightforward electronic enrollment process, emphasizing the importance of enrolling in the GSI before applying elsewhere. Learn about th...

In this episode of  Cover Your Assets , host Billy Gwaltney delves into the details of the Ameritas Guaranteed Standard Issue (GSI) policy for residents and fellows at OhioHealth. Discover how this top-tier true specialty own-occupation disability policy provides unparalleled coverage with no required medical screening.   Billy outlines the three non-negotiable elements of a properly designed disa...

Are you a resident or fellow at Ohio State University? You won’t want to miss this episode of  Cover Your Assets  as we dive into the details of the Ameritas Guaranteed Standard Issue (GSI) policy, offering exclusive coverage with no medical screening, which is now available to you.   Host Billy Gwaltney provides an in-depth look at the unique benefits of the Ameritas GSI policy for residents and...

Are you a resident or fellow at the University of Rochester? Have you found the key to ensuring your financial security as a physician? In this episode of  Cover Your Assets , host Billy Gwaltney dives deep into Guardian’s guaranteed standard issue policy being offered to you.  Listen in as he outlines the vital elements of a properly designed specialty disability policy, including the true specia...

Are you a resident or fellow with New York-Presbyterian at Columbia, Weill Cornell, or Queens? Are you looking for disability insurance without the hassle of medical screening? In this episode of  Cover Your Assets , host Billy Gwaltney provides an exclusive overview of Guardian’s Guaranteed Standard Issue (GSI) disability policy being offered to you. Learn about the unique benefits and opportunit...

This episode was first broadcast in November 2022. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).  When physicians contact me about disability policies, they always ask what types of disability policies are available. There are two different types. But even though they’re both considered disability policie...

This episode was first broadcast in January 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).  How much are you paying right now for your insurance premiums? There’s a 95% chance it’s too much. Because 95% of physicians don't know that they can reduce how much they pay in premiums on their coverage....

This episode was first broadcast in February 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).  As a trainee, it can be tough to budget for disability coverage. But here's the thing: waiting to get coverage is like playing a risky game with your finances. Think about it—the longer you wait, the high...

This episode was first broadcast in April 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google). Some people think it’s better to skip a broker and go straight to an insurance company to avoid paying an extra fee, which is an excellent idea if you want to save money by doing the work yourself. But unfortunat...

This episode was first broadcast in June 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).  Picking the right disability coverage provider is a big deal. Why? Because they'll be your safety net when times get tough, and you'll be paying them for a long time. Make sure it's a wise investment....

This episode was first broadcast in August 2023. You can find a full episode archive by subscribing to Cover Your Assets on the platform of your choice (Apple, Spotify, Amazon, or Google).  Why do shady brokers take advantage of so many innocent physicians? The biggest reason is that most people want cheaper rates, even though the top four companies offer safe, worthwhile coverage. Physicians thin...

Are you a physician wondering whether you should choose the Benefit Increase Rider (BIR) or Future Increase Option (FIO) for your policy? In this episode of the Cover Your Assets podcast, Billy Gwaltney dives into the pros and cons of each option. He breaks down the guidelines and requirements for both riders and explains how they can affect your coverage and cost. Whether you prioritize flexibili...

As a physician, how do you choose the right disability policy for your specific needs, to protect your income and way of life? From understanding the importance of private coverage to exploring the three non-negotiable components of a quality policy, host Billy Gwaltney provides valuable insights to help you make an informed decision. Discover why relying solely on employer policies or group cover...

Is being an independent broker in the insurance world the same for everyone? Host Billy Gwaltney answers that question in this episode, exploring the differences in being an independent broker in the insurance industry. He breaks down the two broad categories of independence and discusses the advantages of working with a truly independent broker who prioritizes the client's needs over company...

Did you know that the average disability claim lasts for nearly 7 years? In this episode, Billy Gwaltney delves into the duration of disability claims and why it's important to have the right insurance coverage. He breaks down statistics from the Council for Disability Awareness and highlights the most commonly claimed types of disabilities. Learn more about the significance of the true specia...