114 episodes
Cover Your Assets Podcast with Billy Gwaltney Billy Gwaltney
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- Business
Don’t let accidents, illness, or injury destroy your hard work. You’ve spent years of your life and hundreds of thousands of dollars to become a physician. This is the career that will give you and your family everything you’ve dreamed of. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the C.Y.A. Podcast, Billy Gwaltney shows you exactly what you need to do to protect your income and your way of life—looking for even more how-to's? Make sure to check out his best-selling book on Amazon! (See website)
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Quote Spreadsheet Overview with Benefit Increase Rider (BIR)
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 the importance of private, portable, non-cancelable, and guaranteed renewable coverage with the BIR that allows you to expand your coverage once you become an attending. And gain valuable insights into getting this part of your financial life exactly right.
Episode Highlights:
The importance of private, portable, non-cancelable, and guaranteed renewable disability coverage. (1:17)
The benefits of the BIR and its significance for physicians in training. (3:17)
The top true specialty disability carriers and their interchangeable contract landscape. (4:42)
Key components of disability coverage and the role of a specialist broker in securing the right plan. (26:33)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message -
Process for Enrolling – Guardian GSI (Don’t Apply Elsewhere First)
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 out a pre-application form to signing the application electronically. Discover how the Guardian GSI program eliminates the need for medical screenings or extensive questionnaires, making it incredibly convenient for busy trainees.
Episode Highlights:
Learn about the quick and simple electronic pre-application form. (1:10)
Understand the importance of applying for the Guardian GSI first before considering other coverage. (2:17)
Explore the efficient processing and turnaround time, ranging from 24 hours to two weeks. (3:45)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message -
Process for Enrolling – Ameritas GSI (Don’t Apply Elsewhere First)
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 the efficient and hassle-free nature of the application, the potential processing timeline, and the crucial rule to consider before making any other applications.
Episode Highlights:
Insight into the simple and quick electronic enrollment process. (00:30)
Understanding the potential processing timeline for the application. (1:20)
The crucial rule of enrolling in the GSI before applying elsewhere, ensuring eligibility for the valuable coverage. (2:20)
The advantages of GSI, including the lowest rate, 20% discount, and efficient underwriting process compared to traditional medical screening. (2:44)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message -
The Streamlined Medical Screening Process for Trainees
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 medical screening process for trainees and attendings (highlights: time-saving benefits and the waived need for insurance physicals), gain valuable insights into the importance of having the right definitions and trainee discounts, and understand how brokers advocate for clients to influence underwriters and navigate the process seamlessly.
Episode Highlights:
The streamlined electronic and phone-based medical screening process for trainees and attendings. (00:40)
Insight into the timeline for processing applications and the role of brokers in influencing underwriters. (3:21)
The significance of having the right definitions and securing trainee discounts for disability coverage. (4:13)
How to effectively work with a specialist broker to ensure a smooth and quick process. (4:48)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message -
What Happens to My Policy if My Agent is Not Involved? (Orphaned Policyholders)
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 through policy provisions and assist in claims. Listeners will gain valuable insight into the potential pitfalls of being an orphaned policyholder and how to address the situation proactively.
Episode Highlights:
The role of a broker in securing and maintaining a disability insurance policy. (00:51)
The potential drawbacks of dealing directly with insurance companies as an orphaned policyholder. (2:55)
Seeking assistance in finding a new agent to take over your policy. (4:20)
The impact of having a specialized broker with established relationships in the insurance industry. (4:59)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message -
If I Do GSI, Does the Broker Still Matter?
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-life examples, Billy emphasizes the valuable role brokers play in ensuring policyholders receive their entitled benefits.
Episode Highlights:
Importance of working with a broker. (00:45)
Role of a broker in GSI policies. (1:55)
Broker involvement in the claim process. (3:52)
The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.
For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.
If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.
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Send in a voice message: https://podcasters.spotify.com/pod/show/billy-gwaltney/message