Life Insurance Quote Request

Get a Life Insurance Quote Tailored for Early-Career Physicians

Why It Matters

Life insurance protects the people who matter most to you. As your family grows and financial responsibilities increase, a sudden loss of income could leave your loved ones struggling with everyday expenses, student loans, or a mortgage.

That is why level-term life insurance is often the best fit for physicians.

It provides a consistent benefit for a set period of time, typically 20 or 30 years, giving you peace of mind during the years when your family depends on your income the most.

You deserve a policy, and a professional guiding you, that ensures your loved ones are financially secure, no matter what happens.

How It Works (6 Steps):

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Step 1: Fill out a short form

Share a few details to get your personalized quote.

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Step 2: Review your options

We’ll compare top carriers side by side in a one-hour video meeting and decide which one makes the most sense.

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Step 3: Complete the application

In a separate 30-minute meeting, we’ll walk through the application together and get it submitted.

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Step 4: Underwriting

The carrier reviews your health and finances (sometimes a short exam).

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Step 5: Finalize policy & pay premium

Once approved, you’ll pay your first premium and your coverage begins.

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Step 6: Ongoing support

I’ll be here for updates, questions, or claims… through residency, fellowship, and beyond.

Perks of Working Together

- Student Loan Consultation – Complimentary (optional)
  Normally $299, included at no cost if you’d like help with loans.
- RightCapital Access (optional)
  A secure online hub to keep your finances organized.
- Discounted Planning Fee
  Lower rates available while you’re in training or just starting as an attending.

Transparency and How I’m Paid

I believe you deserve to know exactly how this works. I am a CERTIFIED FINANCIAL PLANNER™ and an independent insurance agent. That means:

- If you choose to purchase a policy through me, the insurance company pays me a commission, not you.
- I will always put your best interests first and explain how I am compensated before you make any decision.

Commission Overview

- First year: Carriers typically pay 80 to 100 percent of the first year premium.
- Years 2+: There are no trail commissions received after the first year.

💡 Example: If your first year premium is $1,000, my commission would be about $800 to $1,000 in the first year.

CA License #4143787

Ready to Protect Your Family?

Start your life insurance quote today!

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Meet Your Team

👋 Hi, I'm Michael.

I help early-career physicians feel confident about money without the jargon, overwhelm, or sales pitches.

I work alongside two highly enthusiastic (but not exactly qualified) team members:

🐶 That's Max on the left, our Pawsome Intern

🐶 And Ryder on the right, our Chief Barketing Officer

Together, we’re here to make financial planning feel less intimidating... and maybe even a little fun.

Ready to Chat?

We're currently accepting new Ongoing Concierge Financial Planning clients!

Ongoing means we meet regularly and help with all parts of your financial life.

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Michael Putterman, CFP®

☁ Virtually serving clients nationwide ☁

Meet Your Team

I help early-career physicians feel confident about money without jargon, overwhelm, or sales pitches.