ComprehensivE Insurance Coverage
For Life's Unpredictable Moments
Comprehensive disability, life, and income protection plans designed exclusively for medical professionals, ensuring your ability to care for others is matched by coverage that safeguards your income, family, and future.
Comprehensive Coverage
For Life's Unpredictable Moments
Comprehensive disability, life, and income protection plans designed exclusively for medical professionals, ensuring your ability to care for others is matched by coverage that safeguards your income, family, and future.
ABOUT OUR PROGRAM
Medical Professionals Disability Insurance Tailored to Your Needs
Protect What Matters Most
As a medical professional, your ability to work is your greatest asset. Creative Financial offers tailored Disability Insurance designed to protect your income and your family’s security. Providing clarity, affordability, and confidence no matter what life brings.
SERVICES
What We Offer
Discover what coverage options we can offer you to assure you and your loved ones are protected in any situation.
Disability Insurance
Disability insurance replaces your income if an illness or injury stops you from practicing medicine. It helps with bills and family needs. It offers peace of mind.
Life Insurance
Mortgage protection insurance pays off your mortgage if you pass away, helping your family keep their home and stay financially secure.
Retirement Planning
Planning helps secure your financial future by saving for a stable income after retirement. Enjoy peace of mind throughout your retirement years.
SERVICES
What We Offer
Discover what coverage options we can offer you to assure your family is protected in any situation.
Disability Insurance
Disability insurance replaces your income if an illness or injury stops you from practicing medicine. It helps with bills and family needs. It offers peace of mind.
Life Insurance
Life insurance provides a payout to your loved ones after your death, helping cover expenses like funeral costs, and lost income. It offers peace of mind.
Retirement Planning
Planning helps secure your financial future by saving for a stable income after retirement. Enjoy peace of mind throughout your retirement years.
WHY CHOOSE US
We Provide Best Insurance Services For You
Custom Coverage Plans
We help you find a plan that fits your needs and budget. No one-size-fits-all policies here.
Fast, Simple Application
Skip the paperwork. Our process is fast, easy, and hassle-free.
Expert Guidance
Our licensed agents are here to answer your questions and guide you every step of the way.
Trusted by Health Providers Nationwide
We’ve helped thousands of health providers stay protected, now let us help you.
+100
Years Combined Experience
+200
Financial Professionals
+10,000
Households Served
10 Billion
Insurance In-Force
Frequently Asked Questions
What is disability insurance and why do I need it as a doctor or medical professional?
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. For physicians and surgeons, whose earning potential depends heavily on their ability to practice, it’s essential protection for long-term financial stability.
When is the best time to buy disability insurance as a doctor?
Ideally, during residency or early in your career—premiums are lower and medical underwriting is easier when you’re young and healthy, but insurance companies will always be able to suit you with the right plan no matter your age or current situation
How much disability coverage should I have?
Most experts recommend enough to replace 60–70% of your after-tax income. High-income physicians may need supplemental individual policies to maintain their standard of living.
How do I apply for disability insurance?
You’ll start with an application that includes basic health, lifestyle, and current working situation questions. Depending on the policy, you may need to supply us with a updated medical exam or have a medical exam preformed. After approval, you’ll choose your coverage amount and we will draw up the best insurance suited specifically for you and your situation.
TEAM
Meet Our Experts
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Gil Daniel Cohen, LUTCF, CHFC
Partner, CEO & Founder
Dustin Bezalel
Partner, President & Founder
Marshall Rosen, LUTCF
Partner, Chief Operating Officer
Achievements & Awards
