Get Your Disability Insurance Quote
True-own occupation Disability Insurance provides a monthly benefit if you become sick, injured, or ill and are unable to work, protecting your income and financial well-being.
As part of my practice, I help physicians secure the best true-own occupation coverage tailored to their needs. Together, we’ll find the policy that fits your situation, ensuring you not only have the right coverage but also understand how it integrates into your overall financial plan.
My Mission
As my financial planning practice continues to grows, my goal is to allocate 100% of the commissions earned from disability insurance to establish a foundation that supports early-career physicians like you.
Get Your Disability Insurance Quote
True-own occupation Disability Insurance provides a monthly benefit if you become sick, injured, or ill and are unable to work, protecting your income and financial well-being.
As part of my practice, I help physicians secure the best true-own occupation coverage tailored to their needs. Together, we’ll find the policy that fits your situation, ensuring you not only have the right coverage but also understand how it integrates into your overall financial plan.
My Mission
As my financial planning practice continues to grows, my goal is to allocate 100% of the commissions earned from disability insurance to establish a foundation that supports early-career physicians like you.
♿️ Disability Insurance Quote Request
♿️ Disability Insurance Quote Request
Get True Own-Occupation Disability Insurance in 6 Easy Steps
Get True Own-Occupation Disability Insurance in 6 Easy Steps
Step 1: Request a Quote
☁ Complete a simple form to receive a personalized quote.
☁ If you’re a resident or fellow with health concerns, you may qualify for a Guaranteed Standard Issue (GSI) policy.
Step 2: Review Your Options
☁ We’ll gather quotes from top carriers and send you a clear comparison, along with a personalized video to help you choose the best option.
☁ At this stage, many clients like to schedule a 30-minute video strategy session to review their options and ask any lingering questions.
Step 3: Choose and Apply
☁ Pick your preferred carrier, and we’ll schedule a 30-minute video meeting to complete the application for you.
☁ Our team will handle the details, ensuring everything is ready to submit.
Step 4: Underwriting
☁ After you submit the application, the carrier will assess your health and financial situation.
☁ You may need to complete a medical exam, provide records, or answer additional questions.
☁ We’ll keep you updated at every step.
The goal of underwriting is to reach the best decision for you as quickly as possible.
Step 5: Finalize Policy and Submit Premium
☁ Once approved, we’ll review the policy details with you, collect your first premium, and ensure everything is ready.
☁ You’ll have the option to accept, adjust, or decline the policy.
Step 6: Ongoing Support
☁ Your policy will likely include riders (additional benefits) that may require ongoing guidance.
☁ To ensure you’re always informed, you’ll receive an annual email reminder outlining the benefits of your policy and any important deadlines.
☁ We also offer a DI Concierge Service: If you ever need to use your disability insurance, we’ll be there to help you navigate the claims process.
Additional Bonuses for Partnering With Dream Bigger Financial:
☁ Complimentary Student Loan Consultation
Purchase insurance through Michael and receive a waived consultation fee (normally $299).
☁ Claims Concierge Services
If you need to file a claim on your disability insurance, our team will guide you every step of the way, ensuring you receive your benefits promptly and with ease.
☁ Access to RightCapital
Enjoy this optional resource to help you track your finances, monitor cash flow, create a budget, and receive customized tasks.
☁ Extended Access to Michael
Benefit from ongoing support via email for any questions or concerns.
☁ Discounted Financial Planning Fee
If you’re in training and seeking ongoing financial planning, enjoy an exclusive rate of $80 per month for 12 months or until the end of your graduation year.
Additional Bonuses for Partnering With Dream Bigger Financial:
☁ Complimentary Student Loan Consultation
Purchase insurance through Michael and receive a waived consultation fee (normally $299).
☁ Claims Concierge Services
If you need to file a claim on your disability insurance, our team will guide you every step of the way, ensuring you receive your benefits promptly and with ease.
☁ Access to RightCapital
Enjoy this optional resource to help you track your finances, monitor cash flow, create a budget, and receive customized tasks.
☁ Extended Access to Michael
Benefit from ongoing support via email for any questions or concerns.
☁ Discounted Financial Planning Fee
If you’re in training and seeking ongoing financial planning, enjoy an exclusive rate of $80 per month for 12 months or until the end of your graduation year.
Transparency and Information on Potential Conflicts
Michael Putterman is a CERTIFIED FINANCIAL PLANNER™ and a registered independent insurance agent. If you choose to buy insurance through him, he will earn a commission from the insurance company for his services. Michael is dedicated to putting your best interests first and will clearly explain all commissions and any potential conflicts before you finalize your insurance policy.
CA License #4143787
Commission Rate Disclosure:
☁️ First Year: Commissions typically range from 50% to 60% of your first-year premium.
☁️ Years 2-10: Commissions generally drop to 2-5%.
For example, if your first-year premium is $2,000, Michael would earn between $1,000 and $1,200 initially, with lower amounts in the following years.
Transparency and Information on Potential Conflicts
Michael Putterman is a CERTIFIED FINANCIAL PLANNER™ and a registered independent insurance agent. If you choose to buy insurance through him, he will earn a commission from the insurance company for his services. Michael is dedicated to putting your best interests first and will clearly explain all commissions and any potential conflicts before you finalize your insurance policy.
CA License #4143787
Commission Rate Disclosure:
☁️ First Year: Commissions typically range from 50% to 60% of your first-year premium.
☁️ Years 2-10: Commissions generally drop to 2-5%.
For example, if your first-year premium is $2,000, Michael would earn between $1,000 and $1,200 initially, with lower amounts in the following years.
Start Dreaming Bigger,
Looking for a more hands-on approach?
Schedule a time with Michael to discuss Disability Insurance and get personalized guidance every step of the way!
Start Dreaming Bigger,
Looking for a more hands-on approach?
Schedule a time with Michael to discuss Disability Insurance and get personalized guidance every step of the way!
It All Begins with a Diagnosis…
At Dream Bigger Financial, we’re dedicated to setting early-career physicians on the right financial treatment plan.
With a comprehensive diagnosis, we guide you towards financial peace of mind, ensuring you can be your best self for your loved ones and patients.
Considering financial planning?
We’re currently accepting new patients!
If you prefer self-diagnosing,
join us on social media!
We regularly share tips and tricks on lowering taxes, managing student loans, saving for retirement, and guiding you to live your best financial life.
Michael Putterman, CFP®
☁ Virtually serving clients nationwide ☁
It All Begins with a Diagnosis…
At Dream Bigger Financial, we’re dedicated to setting early-career physicians on the right financial treatment plan.
With a comprehensive diagnosis, we guide you towards financial peace of mind, ensuring you can be your best self for your loved ones and patients.
Considering financial planning?
We’re currently accepting new patients!
If you prefer self-diagnosing,
join us on social media!
We regularly share tips and tricks on lowering taxes, managing student loans, saving for retirement, and guiding you to live your best financial life.
Michael Putterman, CFP®
☁ Virtually serving clients nationwide ☁