Protect Your Medical Career, Not Just Any Job
True “Own-Occupation” Coverage Designed Specifically for Physicians
Dr. O, Age 63
Original
Upgrade
Death Benefit
Cash Value
Premium to 65
Income 65-99
Increase % to Income
LTC Access
Dr. O, Age 63
Original
Upgrade
Death Benefit
Cash Value
Premium to 65
Income 65-99
Increase % to Income
LTC Access
Dr. O, Age 63
Original
Upgrade
Death Benefit
Cash Value
Premium to 65
Income 65-99
Increase % to Income
LTC Access
About The KeyArx Group
What you need to know about "Own-Occ" Insurance
Physician Disability Insurance Solutions provide specialized income protection when you cannot perform your particular medical specialty duties, ensuring financial stability during career-threatening injuries or illnesses.
Comprehensive Disability Coverage for Doctors differs significantly from standard employer plans by offering tax-free benefits, true specialty-specific definitions, and portable protection that follows you throughout your career.
“Own-Occupation” Policies represent the gold standard for physicians, guaranteeing full benefits if you cannot perform your specific medical duties, even if you can work in another medical capacity or different profession altogether.
Why Choose Us
Tailored Solutions, Trusted Advisors
Access to multiple top-rated carriers specializing in physician disability coverage with true own-occupation definitions
Generic Policy Limitations
Our true specialty-specific policies protect your ability to perform the exact procedures your specialty requires, unlike standard policies that may force you into a different career
Employer Plan Inadequacies
We provide individually-owned policies with tax-free benefits that follow you throughout your career, avoiding the 40-60% income replacement gaps common in employer plans
Partial Disability Exclusions
Our policies include residual disability protection that covers income gaps when you can perform some but not all of your specialty duties
The KeyArx Group | The Power of Strategic Partnerships
With over 30 years of experience serving healthcare professionals, we understand the unique retirement planning challenges physicians, surgeons, and medical specialists face. Our deep industry knowledge enables us to design retirement solutions that address both the financial and emotional aspects of transitioning from a demanding healthcare career
Additional Services
We Ensure Professional Insurance Services
Life Insurance Policy Evaluation
Physician Disability Insurance Solutions
Comprehensive Retirement Planning
Business & Portfolio Financial Health
Group Disability Insurance Cost Reduction
Retirement Planning for Healthcare Professionals
Ready to Safeguard Your Income?
Get a Free Quote in Minutes and Protect Your Specialty Today!
How We Work
We first listen and then give advice
Discover Real Needs
We evaluate your specialty, income structure, and practice details to identify specific vulnerability points that generic policies miss.
Custom Policy Design
Our advisors leverage physician-specific carrier relationships to design the optimal coverage solution for your unique medical practice.
Ongoing Protection Management
We provide regular policy reviews to ensure your coverage continues to align with your evolving career, income, and practice structure.
Paul Cella
CEO - Founder
Steve Cella
President / Director of Business Development
Todd Neville
Vice President of Business Development
Our advisors specialize in insuring healthcare professionals, combining financial expertise with deep understanding of medical careers. Each team member has extensive experience helping physicians, surgeons, and healthcare specialists navigate the unique challenges of protecting your livelihood and future.
Testimonials
What Clients Say About The KeyArx Group
Susan D. Albano
Dr. Sampson Davis
