Great Ideas for Unique Insurance Sales Opportunities.: Two Doctors

We often deal with unique insurance questions. Here is a dilemma that was recently brought to Petersen International Underwriters.

Take the case of…

…Two foreign born doctors, who were in the United States on education visas while they studied in very specialized fields. They were hired by a hospital in Texas upon completion of their studies, and their visas were adjusted to work visas to reflect the change, but only for as long as they were employed by the Texas hospital. While they had some disability insurance in place through the hospital plan, they felt they needed more disability income insurance to cover their salaries at this new employment level. These gentlemen were also concerned about what would happen to their visa status and their disability payments should they become disabled.