who can intubate
ABOUT THE INCOMOLOGISTSTM
CLINICIANS TAKING CARE OF CLINICIANS
We’re career healthcare providers. We don’t work for the insurance companies and we’re not in sales. No one likes a high-pressure sales situation, and it’s important to us that you understand we are here for you because we want to be. We’ve all been there so we understand the challenges you face and we want to help.
As licensed agents working independently, we work for you. We take your information and shop it around to all of the top companies in the industry to find you the best deal with the least hassle. We support every product and service we connect our clients to, and we remain a resource for you for any of your future needs.
We evaluate all of the available options on the market to best protect our clients, so reach out and we’ll get started!
COVERAGE THAT COUNTS
No one likes talking about life insurance, disability insurance, or retirement. Who has the time? You work all day and then go home where all of your household responsibilities are waiting. Or maybe it’s just stressful and overwhelming. Either way, we’ve got you. We can help find the best life insurance coverage for your loved ones. When your earnings are interrupted because of illness or injury, we’ve got a disability policy that eliminates the gap. Efficient and mindful planning ensures you’re comfortable long after you’ve retired.
As licensed independent agents we offer quotes, policy consulting, continuous support, and administration services for a range of plans. We know your days are filled with difficult decisions. Leave the insurance details to us.
Your family is your top priority, so life insurance should be too. If there’s an unexpected loss of life, good coverage can provide your loved ones with lasting peace of mind. Passing on your financial burdens or debts to your dependents isn't cool, and a life insurance policy gives your family the protection they need to remain financially secure long after you’re gone.Let's connect
What do growing your retirement fund, paying your mortgage, or planning that epic family vacation have in common? They depend on your ability to work. It’s smart to be prepared in case an accident or illness prevents you from doing your job. A disability insurance policy replaces a percentage of your income during extenuating circumstances so your family is financially protected while you're all laid up from that rollerblading incident.Let's connect
We love our jobs in healthcare, but we don’t want to work forever -- can we sleep in just once? With a solid retirement strategy, it can be simple to plan for early retirement. If you are transitioning to self-employment and are losing your workplace plan, we'll establish an individual plan so that saving for retirement is uninterrupted. With our help, you can focus on your career now and your comfort later.Let's connect
FREQUENTLY ASKED QUESTIONS
Like all insurance agents, we receive a commission from the insurance company when you purchase a product through us, but you’ll never pay us anything out of pocket, even if you don’t buy anything.
We do this to educate and serve our colleagues. The fact that we all have clinical income gives us the freedom to approach every case altruistically. We frequently advise clients to save their money if there is no clear benefit to purchasing products through our team.
It’s long and annoying, but we do everything that we can to make it as easy as possible!
1. We’ll schedule a brief call with our application team to gather some basic information. We then fill out the application for you. (You do enough charting, let us take care of this one)
2. After some internal quality controls, we send the application to you to sign electronically.
3. We’ll submit the application to the insurance company
4. You’ll receive a follow-up email from the insurance company to answer some health questions.
5. The insurance company will request financial documents, medical records, physicals, or other information. Our insurance coordinators will be in touch to keep you updated throughout this entire process.
6. Once your file is complete, the insurance company will thoroughly review it before making a final decision.. They can approve the application, deny it, or approve it with changes.
7. We’ll review the results together.
8. Now you’re stuck with us! We’ll support you and your policy for as long as you have it.
We strive to find coverage for each person who comes to us and we’ve helped many clients who believed they were uninsurable secure policies.
With a medically complex past, the process may take longer, and the options may be limited or more expensive – but we promise we’ll advocate for your needs and explore every possible solution.
The average time to finalize a disability or life insurance policy is 2-4 months, but it can take longer.
We work exclusively with top tier insurance companies. Most policies they issue cannot be revoked or subjected to rate hikes, regardless of changes in your health. For this reason, insurance companies evaluate applicants thoroughly up front, and that takes time.
You can speed up the turnaround by directly asking your care provider for your medical records. Sourcing these on your own will bypass much of the buearacracy that slows things down.
For clients who are healthy and are just seeking life insurance, we can often have a decision within 1-3 days.
Of course! We’ll analyze your current policy at no cost and will tell you if everything looks great.
If there are vulnerabilities, we will help you explore solutions. This might involve updating your existing policy or supplementing it with a second one. It’s rare that the best solution is to replace it entirely.
Absolutely not! We see insurance as a bridge between the present and the future.
Families continue to build their assets and resources over the course of their lives. Most would struggle financially if they experienced a death or disabling event. In those times, insurance is an unfortunate necessity.
But when our clients reach financial independence, even if they’ll continue working, we’ll likely advise them to cancel their insurance policies – and the products we use can be annulled without penalty at any time.
You’ve worked really hard to get where you are. We’d rather see you enjoy your earnings instead of sharing them with an insurance company. If you have enough wealth that work is optional, you likely don’t need our services.
Overall, disability insurance will cost 1-4% of your annual income. This can be affected by several factors, though, such as age, health, occupation, and your benefit amount and eligibility period. Your policy can be customized to your needs and budget.
We specialize in fixed disability insurance policies. This means the insurance company can never cancel the policy or increase the premiums without your consent.
You can cancel the policy at any time and without penalty.
Yes and no.
While disability insurance won’t cover traditional maternity leave, a long-term disability policy offers benefits for medical complications that arise from pregnancy or childbirth. If you’re unable to work due to a pregnancy or childbirth related condition, your disability insurance coverage could last for decades after your baby is born.
While plans vary from employer to employer, they often share these common characteristics.
1. The policy can be canceled or changed at any time.
2. The policy does not follow you if you decide to leave your employer.
3. There is a limited range of features. Own occupation standards and the opportunity to increase the benefit in the future are typically not included.
4. The benefit is taxed. An employer will itemize their contributions to group policies.
1. Regardless of changes to your health, the policy remains the same.
2. The true own occupation feature allows you to earn income outside of your profession while claiming your benefits.
3. The policy follows you wherever you go.
4. The rate and benefits are locked in for your entire career
5. They are often more comprehensive coverage than group plans.
Have you ever met an insurance agent who can intubate? Well, we can!
We love caring for our patients. We also love taking care of our colleagues. Our founding agents are clinical leaders and professional insurance producers.
Here’s what sets us apart:
Our clients are our peers. It’s likely you’re just a couple mutual friends away from everyone on our team at most.
We’re clinicians. We understand what coverage you need and how to save you money.
We earn income from our clinical practice, so we never push you into a sale.
We are completely independent. We work with top tier insurance companies – not for them.
We are educators first. We’ll make sure you understand the policy you’re applying for.
We know what it’s like. Your to-do list is long and time is scarce. You can unload the insurance tasks onto us.
We’re tight-knit. We bring a community hospital feel but with quaternary referral center resources.
We’re backed by:
Capital Management Partners, LLC (CMP Advisors)
The Commonwealth Financial Network. https://www.commonwealth.com/for-clients
We’ve Got You Covered
The estimated completion time is two to three minutes.
We have been in your shoes and understand how overwhelming this process can be.
We are independent professionals who are here to serve as your guide and advocate.
Please complete and submit the form below so that we can reach out with additional information. We’re all veterans of countless annual HIPAA modules, and will absolutely never sell or use your information for anything other than what you contacted us for.
We look forward to serving you!