Free guide for medical students & interns

Your loans won't wait.
Your coverage shouldn't either.

You've invested hundreds of thousands of dollars — and years of your life — to become a physician. A disability doesn't care about your timeline. This guide shows you exactly how to protect your future income before residency, while premiums are lowest and your health is on your side.

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Written for medical students
The Medical Student's Guide to Disability Income Insurance 18 pages  ·  Wealth Preservers  ·  Jacksonville, FL

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What's inside

Everything they didn't teach
you in medical school about money.

Most physicians don't learn about disability income insurance until after a colleague gets hurt. This guide changes that — written specifically for the financial reality of medical training in Jacksonville.

Chapter 1

Why group disability isn't enough

Most hospital and residency plans cover only 60% of base salary — and that's taxable. Learn the real gap between your employer benefit and what you'd actually need.

Chapter 2

The one definition that changes everything

"Own-occupation" vs. "any-occupation" — it's the most important phrase in your policy. A surgeon who can't operate but could work a desk job is treated very differently under each definition.

Chapter 3

Why now is the best time to apply

Premiums are based on your age and health at the time of application — not when you file a claim. Every year you wait costs you more. We show you the numbers.

Chapter 4

The Future Purchase Option explained

As a student or intern, you can lock in the right to increase your benefit later — with no new medical underwriting. This rider alone is worth reading the guide for.

Chapter 5

Loans, specialty, and what to plan for

The average medical student graduates with over $200,000 in debt. We walk through how DI coverage factors into your overall financial protection as you match and beyond.

Bonus

Carrier comparison cheat sheet

Side-by-side comparison of the top carriers offering physician-friendly policies — what to ask about, what to watch out for, and which features matter most for your stage of training.

The reality

The numbers most advisors
don't show you.

Disability is not a rare event. For physicians, whose entire earning power depends on their physical and cognitive ability to practice, it's a risk worth understanding clearly.

1 in 4
Working adults will experience a disability lasting 90+ days before they retire
90 days
The average short-term disability claim lasts nearly 3 months — most savings don't last that long
$200K+
Average medical student loan balance — payments don't pause for a disability
30–40%
The typical drop in take-home income when relying on group LTD alone

Consider this

A third-year resident in Jacksonville is involved in a car accident and can no longer perform surgery. Their hospital group plan pays 60% of their resident salary — roughly $2,800/month. Their student loan payment alone is $1,900/month. Without a personal DI policy with an own-occupation definition, their options are limited and their financial future is uncertain. The good news: a policy started during residency could have cost less than $100/month.

Allen Bronton, LUTCF
Allen Bronton, LUTCF
Insurance Advisor · Wealth Preservers · Ponte Vedra, FL

Your advisor

We work with Jacksonville's medical community — not just for it.

Wealth Preservers was built to serve the financial protection needs of professionals who spend their careers taking care of others. We've partnered with physicians, residents, and students across Jacksonville's hospital systems and university programs for years.

We don't sell products. We build relationships — starting with making sure you understand exactly what you're getting and why it matters for your specific situation. No pressure, no jargon, no commission-first conversations.

When you download the guide, you're getting our best thinking in one place. If you'd like to talk through your situation personally, we're always glad to make time.

Florida-licensed Independent advisor Physician specialty focus Jacksonville, FL

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The guide is free, takes 30 seconds to request, and could be one of the most valuable 18 pages you read before residency. Your future self will thank you.