Cover Your Assets Podcast with Billy Gwaltney

Hosted by Billy Gwaltney

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Episodes

172

Latest episode

Oct 2026

Language

EN-US

About the show

Don’t let accidents, illness, or injury destroy your hard work. You’ve spent years of your life and hundreds of thousands of dollars to become a physician. This is the career that will give you and your family everything you’ve dreamed of. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the C.Y.A. Podcast, Billy Gwaltney shows you exactly what you need to do to protect your income and your way of life—looking for even more how-to's? Make sure to check out his best-selling book on Amazon! (See website)

Listen to episodes

60 recent

October 28, 2026Episode 17215 min

Explaining the Ameritas GSI Quote Email

This episode walks through your specific Ameritas Guaranteed Standard Issue disability insurance quote for physicians and explains why the offer matters. Billy Gwaltney breaks down the pricing, policy features, and the main reason to act now: the guaranteed issue window can close without notice.The focus is on helping residents and fellows understand what they get with this coverage, how it differs from medically underwritten policies, and what steps come next if they want to move forward. Chapters (00:00) Podcast intro and who this coverage is for (03:08) Starting benefit amounts and pricing structure (07:25) Portable, non-cancelable, guaranteed renewable coverage (10:11) Enrollment steps and electronic application process (13:27) Why medically underwritten policies can block GSI access (14:23) Outro and show closing The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

October 14, 2026Episode 17119 min

Explaining the Guardian GSI Instead of Medical Screening Email

In this episode, Billy Gwaltney walks you through the Guardian GSI instead of medical screening email. He explains why physicians, residents, and fellows should carefully consider Guardian’s Guaranteed Standard Issue disability policy before applying with another carrier. Guardian’s GSI option can provide coverage without medical screening, which may be especially valuable for applicants with medical history or concerns about future insurability. (00:00) Podcast intro and physician disability protection theme (00:19) Today's topic: Guardian GSI quote email without medical screening (05:31) Limited availability and why waiting can backfire (12:57) Specialty own-occupation definition and enhanced partial benefit (16:27) Why the rate is effectively fixed (19:13) Contact details and closing remarks The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

September 30, 2026Episode 17022 min

Explaining the Guardian GSI Quote Email

This episode explains Guardian’s Guaranteed Standard Issue specialty disability coverage quote email for residents and fellows, with a focus on why timing matters and what choices affect price and protection. Billy Gwaltney walks through the core features, the tradeoffs between policy options, and the steps to apply before access disappears. It’s the perfect companion if you already have the quote email. Chapters (00:00) Podcast intro (00:19) What the Guardian GSI is about (02:10) The risk of losing access by switching schools or carriers (06:49) What COLA does for long-term inflation protection (12:37) No law requires Guardian to keep offering GSI (16:19) Exception for new attendings within 90 days of graduation (20:04) Broker advocacy during claims and why it can affect outcomes (21:33) Closing remarks and podcast outro The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

September 16, 2026Episode 16928 min

Discounted Specialty Disability Coverage Quote and Overview

This episode is a practical walkthrough of the Discounted Specialty Disability Coverage for physicians in training. Billy Gwaltney explains how the quotes are structured, what features matter most, and how residents and fellows can compare options without getting distracted by small rate differences. He also breaks down the application process, the key riders and contract terms, and why private specialty coverage is usually far more reliable than employer group long-term disability coverage. Chapters 01:19 - Three main points in the quote overview 01:47 - The four carriers and why the broker recommends only these options 03:12 - Trainee discounts versus attending discounts 05:01 - Benefit period to age 65 and the benefit increase rider 07:23 - How COLA works and when to choose it 08:49 - Level rates versus graded rates over a physician’s career 12:13 - Why a lower quoted rate usually means less coverage somewhere else 15:07 - Partial disability and enhanced residual benefits 18:25 - Psychiatric benefit options and specialty-specific exclusions 21:22 - Why employer long-term disability often falls short 23:15 - Electronic application and approval process 26:05 - Why the broker relationship matters over the life of the policy The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

July 22, 2026Episode 1684 min

What is the grace period for getting a resident or fellow discount for disability insurance?

In this episode, Billy Gwaltney breaks down the essential details physicians and medical trainees should understand about securing disability insurance discounts, including grace periods, medical considerations, and tips for locking in rates early. Key topics The importance of securing disability insurance coverage before or shortly after graduation The four top-tier carriers offering trainee discounts: Mass Mutual, Guardian, Principal, and Ameritas Grace periods: 90 days for Mass Mutual and Guardian; 180 days for Principal and Ameritas How health and moving during the grace period can impact your rates Strategies for starting coverage at lower amounts and scaling later Why it’s crucial to act promptly to secure discounts and maintain favorable rates Additional resources and ways to connect for personalized advice Chapters 00:19 - Welcome 00:46 - The top four carriers offering trainee discounts 01:16 - Details of the 90-day grace period for Mass Mutual and Guardian 01:44 - Understanding the 180-day grace period for Principal and Ameritas 02:40 - How to lock in your discount and maintain it forever 03:07 - Starting coverage at lower amounts and scaling up later 03:37 - How to discuss your specific situation and get personalized advice 04:27 - Connecting with Billy Gwaltney for questions and further assistance 04:56 - Closing remarks and contact information

July 8, 2026Episode 1676 min

Should I Pay Down Debt or Increase My Disability Coverage?

In this episode of Cover Your Assets, disability insurance specialist Billy Gwaltney addresses whether physicians should prioritize paying down debt or increasing private disability coverage. He emphasizes the importance of having adequate insurance before debt repayment, especially for physicians facing high student loans and career uncertainties. Key topics Importance of disability insurance for physicians Risks of relying on employer policies Timing of insurance purchase relative to debt payoff Balancing debt repayment with insurance coverage Chapters 00:20 Welcome 00:15 Debt vs. Disability Coverage: The Dilemma 02:37 The Importance of Insurance in Financial Planning 04:54 Final Thoughts on Disability Coverage

June 24, 2026Episode 1668 min

How to avoid becoming an "orphaned" disability policyholder

In this episode of Cover Your Assets, host Billy Gwaltney discusses the critical importance of choosing the right disability insurance broker to avoid becoming an 'orphaned' policyholder. He emphasizes the risks of working with inexperienced agents and shares insights on how to ensure ongoing support and claims assistance. Chapters 00:20 Welcome 02:04 The Importance of a Reliable Broker 04:53 Navigating Claims and the Role of Advocacy The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

June 10, 2026Episode 1655 min

If disability rates are not negotiable, why do rates vary so much between brokers?

In this of Cover Your Assets, host Billy Gwaltney clarifies how disability insurance rates are determined, why they vary between brokers, and how to ensure you're getting the best coverage without overpaying. Physician listeners will learn what to look for in policies and how to compare offers effectively. Chapters 00:20 Welcome 02:36 The Importance of Coverage Details 03:58 Avoiding Common Pitfalls in Insurance Quotes The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 27, 2026Episode 1648 min

Is it ok to wait until I graduate to buy GSI disability insurance?

In this episode of Cover Your Assets, Billy Gwaltney addresses whether residents and fellows should wait until graduation to purchase guaranteed standard issue disability insurance. He covers the benefits, timing, and strategic considerations for securing disability coverage during training using his expertise in disability insurance. Chapters (00:20) Welcome (03:04) The Importance of Securing Coverage Early (05:54) Navigating the Risks of Waiting for Insurance The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 20, 2026Episode 1633 min

What are the eligibility rules for the Ameritas GSI for residents and fellows?

On this episode of the Cover Your Assets podcast, Billy Gwaltney dives into a crucial topic for medical professionals: the eligibility rules for Ameritas GSI, or Guaranteed Standard Issue, disability insurance for residents and fellows. If you’re a physician in training, knowing the nuances of this insurance can provide the financial security you need. In this episode, Billy uses his expertise in disability insurance to break down the key eligibility requirements and tips to avoid common pitfalls. Keywords Disability Insurance, Ameritas GSI, Medical Residency, Physician Coverage, Fellows The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

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