Pattern Life Review: What You Should Know

Insurance policies protect our finances during uncertain events that could change our lives. In the case of an accident or medically related work loss, for example, disability insurance can replace a portion of our work income.

There are also other situations, such as loss of life, where life insurance policies can provide financial support for dependents.

One can never be too careful or predict life-threatening situations or a long-term disability, so choosing a reliable insurance partner is necessary to stay secure.

This review looks at Pattern Life Insurance and its operations and analyzes if it’s the right choice for you and your needs.


Key Takeaways

  • Pattern Life simplifies insurance for doctors through a quick, three-step process.
  • Focuses on own-occupation disability and term life insurance for physicians.
  • Brokerage costs may be high, but they offer expert guidance and advocacy.
  • Alternatives like Physicians Thrive offer broader services beyond disability and life insurance.

Pattern Life: Overview

The process involved with securing insurance policies can be somewhat complex. Yet, the need to simplify this process for physicians is what drives Pattern Life.

Pattern Life began more than ten years ago with two close friends who started with the idea of helping physicians protect their finances.

Over the years, Pattern has evolved into a specialized independent insurance broker, focusing on providing doctors with own-occupation disability insurance and term life insurance policies.

How It Works

Pattern Life follows a three-step process, making it easy for clients to get what they need in a stress-free way.

The process starts with requesting free quotes for one of their insurance packages. To do this, you’ll need to fill out an online form with drop-down options. Typically, there are only about three questions, so you don’t have to worry about spending too much time on this step.

Once you’ve submitted the form, Pattern Life will reach out to explain your options and suitable insurance policies that offer what you need. This helps ensure that you know what you’re buying before paying for it.

If you’re convinced you and Pattern Life made the right choice, you can then secure your policy. Pattern Life will handle all the paperwork and get things running.

Pattern Life: Insurance Products

Pattern Life supports only two categories of insurance policies.

Disability Insurance

Some physicians often have trouble understanding disability insurance and what it means for them. Even more, they may not know the difference between the types of disability insurance or what type is implied by their contract, which can be risky.

Pattern Life strives to ensure that its clients don’t experience these challenges. They start with a basic but detailed guide on their site, providing you with the knowledge to get started.

You’ll also find reviews of their top providers for disability insurance policies. After reading, you can choose what’s best or book for a consultation to make your options clearer.

Life Insurance

Like disability insurance, you can also learn about life insurance policies on their site. After that, you can request a quote to understand your options.

Pattern Life claims to have helped over a thousand doctors get the right life insurance package. The reviews from several past clients verify these claims.

Pros and Cons of Pattern Life

Pros Cons
The experts at Pattern have been doing this for years and can guide your decisions. It can be hard to choose, given multiple insurance options.
Their priority is to ensure you get the best offer Brokerage costs can be expensive for the average physician.
In the event of a claim, they can act as an advocate, guiding you through the process.
You can compare multiple policy options without having to do a single search.

Other Physician Insurance Options Like Pattern Life

In addition to Pattern Life, there are other physician-focused insurance brokers to consider. However, Physicians Thrive stands out due to its wide range of offerings that go far beyond just disability and life insurance.

Feature Physicians Thrive Pattern Life LeverageRX Doctor Disability Shop MGIS
Disability Insurance Yes Yes Yes Yes Yes
Term Life Insurance Yes Yes Yes No No
Permanent Life Insurance Yes No No No No
Group Benefits (Disability, Life, AD&D) Yes No No No No
Malpractice Insurance Yes (via #1 broker in the world) No Yes No No
Health Insurance Yes No No No No
Retirement Planning (403b, 457, 401k, Profit sharing, Cash Balance Plans, Deferred Comp) Yes No No No No
Private Equity Investments Yes No No No No
Passive Income (via Real Estate) Yes No No No No
Student Loan Management Resources Yes No No No No
Physician Loans Yes No No No No
Income Tax Reduction Services Yes No No No No
Home Buying/Selling and Relocation Services Yes No No No No
Private Practice Startup Services Yes No No No No

As the table demonstrates, Physicians Thrive offers a comprehensive suite of services, far surpassing its competitors, including Pattern Life.

Physicians Thrive is committed to helping doctors not only protect their income but also secure their financial future in diverse ways, from tax reduction services to passive income opportunities through real estate and private equity investments.

Physicians Thrive LeverageRX Doctor Disability Shop MGIS
  • Group disability
  • Own-occupation disability
  • Life insurance
  • Contract review/negotiation
  • Disability insurance
  • Malpractice insurance
  • Life insurance
  • Comprehensive comparison tools
  • Disability insurance for doctors and dentists
  • Group disability
  • Life insurance
  • Group benefits expertise

Final Thoughts

Insurance brokers like Pattern Life can do much of the heavy lifting and paperwork that comes with dealing with insurance policies. On the brighter side, this can save you time and stress. Yet, you still have to pay for the extra convenience.

If you’re looking for an alternative to Pattern — one that offers you all of its benefits and even more — you can check out Physicians Thrive. Our experts are ready to help you at every turn. Request a free quote today!

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