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Life Insurance Permanent Life Insurance

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Permanent life insurance allows physicians to diversify and supplement their retirement income with the cash value of a life insurance policy. Talk to an advisor to learn about what permanent life insurance options are right for you.

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See All Your Options

Our experts present all the options so the freedom to choose the best policy for you is always at your discretion.

Coverage For Life

The main benefit of permanent life insurance is in the name, there is no end date. Your beneficiaries will collect your death benefit no matter when you die.

Tax Deferred

You won’t pay taxes on the money while it’s accumulating and, if you hold the account until its maturity date, you can borrow against that cash value tax-free.

Our advisors can review your current financial situation to help you determine if permanent life insurance is the right fit for you and your family.

Why buy permanent life insurance?

Permanent life insurance is an umbrella term and there are several variations and options to consider when shopping for permanent life insurance including whole life, universal life, adjustable life, variable life, and indexed universal life.

Whichever type of life insurance you choose, permanent life insurance works as follows:

You pay a set amount in monthly premiums for a set amount of coverage for the remainder of your life. If you contribute more than your monthly premiums, the excess contribution will accumulate cash value in a cash account. Your beneficiaries will collect your death benefit no matter when you die.

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My husband and I have been with Justin since my husband was a fellow. He has helped us navigate life insurance, disability insurance and financial planning. Over the years, he has become not only our financial planner but a friend.

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I worked with Dave Swan recently for disability insurance. Dave and his team were very professional and courteous. He was always available for questions and was overall a pleasure to work with.

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I couldn't recommend Dave & Steve Stratman for contract review services more. I also further have a meeting set with Dave to discuss disability insurance and continue our discussion about financial education and planning in the upcoming weeks.

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Great company to work with, helped me set up own occupation disability insurance and were very helpful and great at explaining things along the way.

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I have been very pleased with Physician's Thrive. Their representatives are always responsive and helpful. Michaela is pleasant and eager to help. It is great to have one reliable place to go for a wide range of services. I highly recommend them to anyone who asks.

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Top notch all-inclusive financial planning, contract review, accounting, tax planning, and more. Dave Swan is a true professional with strong values and integrity. He and the entire team at Physician's Thrive are trustworthy, reliable, and accessible.

- Jake Luther

Michaela provided excellent advice regarding student loan repayment, investments, and home buying when I was entering residency. I highly recommend her and this company for any physicians that are in search of financial advising.

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Michaela gave a great presentation on medical student financial literacy and making the transition from student to resident to attending physician. I would highly recommend her for anyone with financial questions about medical student loans and financial planning!

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For no extra cost to you, our advisors advocate for you for the life of your insurance policy. In the case you need to put your policy to use or have questions about your coverage at any time, we are here for you.

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We’ve Placed Billions of Dollars in Life Insurance Coverage.

Our team has worked with thousands of physicians to find their option for life insurance.

$3.3 Billion

and counting…

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Permanent life insurance is not a one-size-fits-all solution, and it is certainly not appropriate for every investor. Your life insurance choices may make the difference in your family’s lifestyle after a tragedy strikes by paying the bills, financing children’s educations, and protecting your spouse’s retirement. Request a quote and our team will review each element of the plan and the cost associated with it. We’re here to help you evaluate the value and build unique, cost-effective coverage tailored to you and your family’s needs.

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