Cover Your Assets Podcast with Billy Gwaltney

Billy Gwaltney
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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)

  1. 3D AGO

    Can I Increase Coverage While on Claim?

    In this episode, Billy Gwaltney discusses the intricacies of insurance coverage during claims, particularly focusing on the limitations of increasing coverage based on salary changes. He explains the formula used by companies to determine eligibility for coverage and the stipulations surrounding benefit increase riders. 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.

    6 min

  2. MAR 25

    Is it OK to Cancel my Private Specialty Disability Policy?

    In this episode, Billy Gwaltney discusses the implications of canceling a disability insurance policy, emphasizing that while it is possible to cancel, it is not advisable. He highlights the importance of maintaining such coverage for financial security in case of disability, arguing that the money saved from canceling is often not invested wisely and may not provide the same level of protection as the insurance policy itself. 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.

    15 min

  3. MAR 11

    Terminal Illness Rider & Conversion Extension Rider: Why Are They Important for Term Life Insurance?

    In this episode, Billy Gwaltney explores the concept of terminal illness riders in life insurance policies, detailing how they allow policyholders to access a portion of their death benefits while still alive. The discussion highlights the benefits of having such a rider, including the potential tax implications and the conditions under which these benefits can be accessed. Chapters: (00:20) Welcome (00:44) The Importance of the Terminal Illness Rider 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.

    6 min

  4. FEB 25

    The Best Term Life Insurance Policy is not Always the Cheapest - Buyer Beware

    In this episode, Billy Gwaltney discusses the intricacies of insurance coverage during claims, particularly focusing on the limitations of increasing coverage based on salary changes. He explains the formula used by companies to determine eligibility for coverage and the stipulations surrounding benefit increase riders. Chapters: (00:20) Welcome (00:51) Understanding the Term Life Insurance Market 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.

    9 min

  5. FEB 11

    Can I Buy Less Disability Coverage While on a Tight Budget in Training?

    In this episode, Billy Gwaltney discusses the various insurance coverage options available for residents, emphasizing the benefits of starting with lower coverage amounts. He explains how residents can secure significant benefits and privileges even with minimal initial coverage, making it a financially savvy choice as they transition into their attending roles. (00:20) Welcome (00:49) Navigating Insurance Carrier Options and Riders 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.

    6 min

  6. JAN 28

    What Happens During a Disability Claim?

    In this episode, Billy Gwaltney discusses the emotional and financial challenges faced by individuals who become disabled. He emphasizes the importance of having a solid financial plan in place to support families during difficult times, highlighting the need for contingency planning and the emotional toll of realizing one's disability. 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.

    11 min

  7. JAN 14

    Your Quote Email for Ameritas Guaranteed Standard Issue (GSI)

    In this episode, Billy Gwaltney walks you through your quote email for Ameritas Guaranteed Standard Issue (GSI). Throughout, he discusses the top tier carriers in the insurance industry, focusing on their unique benefits, including non-cancelable policies, guaranteed renewability, and the absence of medical screening. He emphasizes the importance of understanding these offerings for better financial security and coverage options. The Ameritas GSI Disability Coverage represents a valuable opportunity for trainees and physicians seeking to protect their financial future. With no medical questions, flexible coverage options, and extensive benefits tailored for the medical profession, it offers peace of mind that is difficult to find elsewhere. If you are a physician in training, consider taking advantage of this opportunity. Chapters (00:20) Welcome (00:14) Key Benefits of the Coverage (00:44) Application Process and Broker Role (04:00) This requires no medical screening (04:11) Discounted rates (06:21) GSI (06:40) The best discounts and definitions (12:00) Next steps (12:37) PS: Apply for this GSI before applying elsewhere

    15 min

  8. 12/31/2025

    Your Quote Email for Guardian Guaranteed Standard Issue (GSI)

    In this episode of the Cover Your Assets podcast, Billy Gwaltney walks you through the Guaranteed Standard Issue (GSI) quote spreadsheet. He explains the eligibility criteria, the benefits of securing coverage early, and the various options available, including premium structures and key definitions of disability. Gwaltney emphasizes the role of brokers in navigating the complexities of insurance and ensuring that physicians receive the best possible coverage without unnecessary medical screenings. Chapters (00:20) Welcome (02:58) Understanding Guaranteed Standard Issue Coverage (05:45) Navigating Medical Screening and Eligibility (08:35) Exploring Coverage Options and Premiums (11:41) Key Definitions and Benefits of Coverage (14:51) The Role of Brokers in Securing Coverage (17:44) Conclusion and Next Steps 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.

    19 min
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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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