Protect Your Medical Career, Not Just Any Job
True “Own-Occupation” Coverage Designed Specifically for Physicians

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
Risk Mitigation Strategies in Healthcare
Retirement Planning for Healthcare Professionals
Physician Disability Insurance Solutions
Group Disability Insurance Cost Reduction
Advanced Insurance Solutions
Life Insurance Policy Evaluation
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

Paul Cella
CEO - Founder
- Phone:+1 (859) 254-6589
- Email:info@example.com

Brett T. Saso, Sr.
CEO Live.2.100, Inc d.b.a. Retirement Architecture

Brett T. Saso, Sr.
CEO Live.2.100, Inc d.b.a. Retirement Architecture
Brett grew up in the Mid-Hudson Valley region of New York. He decided to pursue a career in the newly evolving modular home industry. The Mid-Hudson region, which was also the manufacturing center of IBM (largest employer in the area at the time), presented a great opportunity for middle class real estate development. IBM was growing and they paid their employees well.
Targeting the IBM workforce, Brett quickly became one of the area leaders in the modular home construction business. Business was good and growing into the early 90s. Brett started developing land in a targeted zone between Poughkeepsie and Kingston, NY both of which had large IBM plants. With a multi-lot subdivision ready, IBM unexpectedly announced the closure of its Kingston plant and the consolidation of their Mid-Hudson workforce; 12,000 jobs were eliminated or transferred out of the state. This created a local real estate collapse - Brett ended up losing everything. Brett often says, “it doesn't matter how hard you work, there will always be something that can blindside you and take it all away!" It took Brett years to rebuild his life.
Today, Brett is helping his fellow "Baby Boomers" prepare for their own blindside. One that could destroy their retirement dreams. He believes a massive financial disaster is in the makings and should it happen, baby boomers will not have the time to recover. Not wanting to be considered an alarmist, he felt the bast way to help people is through awareness. With his construction background, the idea of using blueprints to expose what a financial “Worst-Case Scenario” would do to a retirement plan would be the best way to get the masses to make the worst-case scenario part of the retirement planning process. Today, more than 20,000 people a month are being introduce to their Worst-Case Scenario and how they can reduce their exposure should it come to fruition.

Jack Lee
Senior Vice President of Advanced Market

Jack Lee
Senior Vice President of Advanced Market
With his many years of experience, Jack and his associates are well equipped to offer their clients a wide range of insight and expertise to help them navigate the complex nature of today’s financial environment. Working together with his team of diversified professionals, they evaluate and analyze risk and risk tolerance in order to identify potential vulnerabilities in their clients' personal planning.
Prior to starting JSL Associates in 2017, M.r Lee spent 20 years with the Northwestern Mutual Life Insurance Company. While at Northwestern Mutual, he was the leading national producer for disability insurance. In 2000, Jack joined MetLife as their disability insurance advisor. During his tenure as an agent and advisor, he was a consistent leading producer, earning many corporate and industry awards along the way.
Mr. Lee has his FINRA Series 63 and 7 licenses.
Jack lives in Aquebogue NY with his wife of 34 years, Lisa. They have two children and a granddaughter.
Jack is an accomplished amateur golfer and enjoys boating with his family and friends.
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.