Shows
Income Protection Journal PodcastSurgeon Realizes His Hands Are His Livelihood [Podcast]When I spoke with board-certified trauma surgeon Dr. Nii Darko, DO, MBA, FACS for this episode of The Income Protection Journal Podcast, he started with a moment humiliating in its simplicity. He was cutting up a hospital mattress his town's local rubbish service wouldn't pick up, put a little too much tension on one finger, and felt what he described as a rubber band snapping. The next day he was supposed to drive four hours for a locums assignment. Instead, he went to urgent care, learned he had torn a ligament, and was told a wire would be drilled into...
2026-02-1034 minIncome Protection Journal PodcastCat Bite Ends Veterinarian’s Career [Podcast]Disability coverage for veterinarians is often treated like something you think about later, after the practice is stable, after the loans feel manageable, after life quiets down. In my conversation with Dr. Michelle Custead, a board-certified veterinary medical oncologist and practice owner, what stood out was how rarely “later” arrives on schedule — and how quickly an ordinary day can turn into a career interruption that no one planned for.
Custead runs Ally Veterinary Specialty Center, a boutique referral practice in Waltham, Massachusetts. When we started talking about disability risk, she didn’t begin with dramatic scenarios. She began with the temperam...
2026-02-0343 minIncome Protection Journal PodcastHis Disability Policy Looked Fine — Until a Claim Tested It [Podcast]I went into this conversation expecting to talk about claims the way most people imagine them: paperwork, delays, frustration, maybe a denial that needs to be appealed. What I didn’t expect was how quickly the discussion shifted to something more unsettling—the realization that many people buy disability insurance believing they’re protected, only to discover years later that the policy language quietly gives the insurer a way out.
In this episode of The Income Protection Journal Podcast, I talk to Mark DeBofsky, an ERISA litigation attorney with more than four decades of experience challenging insurer and plan-administrator benefit denials...
2026-01-2737 minIncome Protection Journal PodcastThe Disability Insurance Window Most Physicians Don’t See Closing [Podcast]A physician told me he thinks about disability insurance for physicians the same way he thinks about a dashboard warning light: by the time it flashes, you’re already behind the ball.
That line landed harder than I expected, because it came from someone who lives on the other side of the exam room. In a recorded conversation for The Income Protection Podcast, I spoke with Dr. Isheet Patel, a board-certified internal medicine physician and co-founder of a concierge practice in Lone Tree, Colorado. I went into the interview looking for a straightforward answer to a simple question: what actually takes...
2026-01-2030 minIncome Protection Journal PodcastWhen Disability Insurance Leaves High Earners Exposed [Podcast]There’s a point in some careers when protection that once felt solid starts to feel thin. Nothing has gone wrong yet. No diagnosis. No accident. Just a quiet realization that the numbers no longer line up the way you assumed they would.
That tension came up repeatedly in my recent conversation on The Income Protection Podcast, where I sat down with Tom Petersen, a senior partner at Petersen International Underwriters. We weren’t setting out to talk about physicians specifically. We were talking about athletes, entertainers, founders, and people whose income behaves in unconventional ways. But the further we went...
2026-01-1351 min
Income Protection Journal PodcastWhy High Earners Are Quietly Underinsured—and Don’t Find Out Until It’s Too Late with Tom PetersonSome of the most interesting insurance solutions are built after someone is told “no.” Tom Petersen shares stories from the specialty market that reveal how income protection works when traditional disability insurance falls short.
Traditional disability insurance wasn’t built for elite earners. In this episode of The Income Protection Podcast, Jamie Fleischner sits down with Tom Petersen of Petersen International Underwriters to explain how specialty disability insurance fills the gaps left by traditional coverage. They discuss income caps, excess coverage, and the unique challenges of protecting athletes, entertainers, ultra-high-income professionals, and those with complex or pre-existing health conditions. If your i...
2026-01-1251 minIncome Protection Journal PodcastThe Scan He Wasn’t Supposed to See [Podcast]Disability insurance for physicians is easy to think about in abstract terms until the moment your own health forces the issue. I was reminded of that in a recent episode of THE Income Protection Podcast, when I spoke with Dr. Peter Crane, a rural family physician in Idaho, about the night he accidentally opened his own CT scan while working an emergency department shift.
I’m Jamie Fleischner, CLU, ChFC, LUTCF, and I host the podcast. Over the years, I’ve spoken with countless physicians about income risk, but this conversation unfolded differently from the start. Peter wasn’t sitting in a w...
2026-01-0636 minIncome Protection Journal PodcastWhy Midlife Income Protection Depends More on Timing Than Assets [Podcast]Most people in their fifties and early sixties think income protection means safeguarding earnings during their working years. But on the latest Income Protection Podcast, MassMutual’s Marcus Watson explains why the real pressure point comes later — when income stops, responsibilities continue, and the financial path a family takes depends entirely on which version of the future arrives first. The sequence of events, not just the events themselves, is what determines whether a household preserves savings, absorbs a major care expense, or unintentionally jeopardizes the legacy they’ve spent decades building.
That friction between uncertainty and planning is why income protec...
2025-12-1628 minIncome Protection Journal PodcastMost High-Income Professionals Are Underinsured — And Don’t Realize It [Podcast]As a disability-insurance specialist, I meet high-earning professionals every day who carefully insure their homes, cars and health needs, yet overlook the one asset that makes everything else possible: their income. The ability to get up in the morning and earn a living underpins every financial decision a household makes. When that ability disappears, even temporarily, the effects are immediate and far-reaching.
That reality is at the heart of a conversation I’m having on the latest episode of the Income Protection Podcast, produced by Income Protection Journal. I’m speaking with Michael Sir, the president and co-founder of One Protect...
2025-12-0936 min
Telemedicine Talks#11 - Building a Safety Net: Insurance Insights for Telemedicine TrailblazersSponsored by: Set For LifeSet for Life Insurance helps doctors safeguard their future with True Own Occupational Disability Insurance. A single injury or illness can change everything, but the best physicians plan ahead. Protect your income and secure your future before life makes the choice for you. Your career deserves protection—act now at https://www.doctorpodcastnetwork.co/setforlife.___________When physicians transition from W2 roles to independent telemedicine practices, many overlook a critical piece of the puzzle: disability insurance. In this episode, Dr. Leo Damasco and Phoebe Gutierrez talk with Jamie Fleischner ab...
2025-04-1530 min
Doctors Making A DifferenceMaking The Case For Own-Occupation Physician Disability Insurance-Your employer based disability insurance is not enough! I wish I had learned this lesson better before being diagnosed with significant illness! -As a physician you have worked for years to develop a valuable skill set. If you suddenly became disabled how would you protect your income? We insure our homes without any question, but our income potential over a career is worth far more than the value of a home. Why would you fail to properly insure your most valuable assets, your income? -With over 30 years of experience, industry expert Jamie Fleischner gives an inside view of own-occupation...
2025-04-1052 min
Succeed in Medicine: Practical Insights for Practicing PhysiciansEP453 - Disability and Life Insurance: What Physicians Need to Know withThis episode is sponsored by: Set For Life InsuranceSet For Life Insurance helps doctors safeguard their future with True Own Occupational Disability Insurance. A single injury or illness can change everything, but the best physicians plan ahead. Protect your income and secure your future before life makes the choice for you. Your career deserves protection—act now at https://www.doctorpodcastnetwork.co/setforlife_______What happens if an injury or illness stops you from practicing medicine? In this episode, Dr. Bradley Block sits down with Jamie Fleischner to explore how physicians can protect their fi...
2025-04-0827 min
The Podcast by KevinMDDisability insurance done right: the financial lifeline every physician needsWe have a special sponsored episode from Set for Life Insurance. Joining us today is Jamie Fleischner. She is the founder and president of Set for Life Insurance. With over 32 years of experience in the industry, Jamie has helped countless clients protect themselves from life's biggest risks. In this episode, we dive into why disability insurance is an essential safeguard for physicians—not just an optional add-on. Jamie guest breaks down the biggest mistakes doctors make when choosing coverage and how to avoid them. Learn why working with an independent broker gives you the best options and ho...
2025-04-0724 min
BootstrapMD - Physician Entrepreneurs Podcast with Dr. Mike Woo-MingEp287: Safeguarding Your Physician Career with Disability Insurance Insights from Jamie FleischnerThis episode is sponsored by: Set For Life Set for Life Insurance helps doctors safeguard their future with True Own Occupational Disability Insurance. A single injury or illness can change everything, but the best physicians plan ahead. Protect your income and secure your future before life makes the choice for you. Your career deserves protection—act now at https://www.doctorpodcastnetwork.co/setforlife. ______ As physicians, our ability to earn is our greatest asset—yet a single injury or illness can derail everything. In this episode, Dr. Mike Woo-Ming sits down with Jami...
2025-04-0223 min
BS Free MD with Drs. May and Tim Hindmarsh - Medicine, Life, Family, Physician, Doctor, Healthcare, Medical History#348: Jamie K. Fleischner of Set For Life Insurance Discusses Why Your Employer Plan Won’t Cut It🔹 This episode is sponsored by: Set for Life InsuranceProtect your income and secure your future with True Own Occupation Disability Insurance. Visit www.doctorpodcastnetwork.co/setforlife today.---This episode of BS Free MD features disability insurance expert Jamie Fleischner breaking down what most professionals miss when it comes to protecting their income. Listeners learn why employer plans often fall short, how to avoid costly mistakes, and the power of "own-occupation" coverage — which pays you if you can’t perform your specific job, even if you can work elsewhere. Jamie explains...
2025-03-2447 min
Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, MoneyEp91: What Every Resident Physician Must Know About Guaranteed Standard Issue Disability Insurance with Jamie FleischnerIn this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you're a physician or high-earning professional, protecting your financial future is crucial—and disability insurance is a key part of that plan. Jamie breaks down the ins and outs of Guaranteed Standard Issue (GSI) Policies, explaining how they differ from traditional disability insurance and what you need to consider when choosing the best policy. From pricing and flexibility to common misconceptions, this episode is packed with va...
2025-02-2834 min
The Income Protection PodcastEpisode 4: A Conversation With Jamie FleischnerIn this episode, Mike Cogdall and Grayson Owen interview D.I. industry expert, Jamie Fleischner - President of Set For Life Insurance, on the The Income Protection Podcast, Episode 4, “A Conversation With Jamie Fleischner”.
2025-02-2034 min
Docs Outside The BoxDisability Insurance Insights, Long-Term Care & Financial Planning Strategies. #430SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!Get ready to uncover the essential strategies for safeguarding your medical career with disability insurance. Joined by Jamie Fleischner from Set For Life Insurance, we promise insights that can secure your financial future and we explore why early action in obtaining disability insurance is crucial. As we shift focus to long-term care insurance, the discussion gets personal about the financial implications of aging and healthcare costs. Wrapping up, we encourage you to start planning your financial future with trusted advisors who...
2024-10-2946 min
BS Free MD with Drs. May and Tim Hindmarsh - Medicine, Life, Family, Physician, Doctor, Healthcare, Medical History#248: What You Need to Know About Insurance with Jamie FleischnerMore on the guest!Jamie Fleischner is a renowned expert in the insurance industry, with a career spanning over three decades. She embarked on her journey in the insurance world in 1993 while still a college student, driven by a personal experience that underscored the vital importance of disability and life insurance. Jamie's deep understanding of the complexities of insurance, combined with her genuine passion for helping others, led her to establish Set for Life Insurance in 1999.Under her leadership, Set for Life Insurance has grown into a leading provider, specializing in individual life, disability, and...
2024-03-1454 min
Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, MoneyEp41: Jamie K. Fleischner on Protecting Income in the Gig EconomyDr. Disha explores the topic of income protection in the healthcare gig economy with Jamie K. Fleischner. With a focus on locum tenens professionals, Jamie, leveraging her extensive experience since 1993, underscores the need for tailored disability insurance solutions. She highlights the transition from traditional employment to freelance roles in healthcare, emphasizing the importance of securing income through comprehensive insurance policies. Key takeaways include the value of own occupation coverage, strategies for policy customization, and insights into navigating the claims process for diverse medical scenarios. More on Jamie Fleischner: Jamie K. Fleischner, CLU, ChFC, L...
2024-03-0129 min
Succeed in Medicine: Practical Insights for Practicing Physicians#326: The Set for Life Insurance Expert for Physicians—- 👋 This episode is sponsored by Heidi Health. A FREE FOREVER, feature-rich & compliant AI Scribe, developed carefully for all healthcare providers. If you’re already paying for an AI Scribe, swap to Heidi for FREE, and they’ll credit what you’re already paying towards Heidi Pro. Heidi is your AI resident. Use Heidi for free & revolutionize the way you provide care. —- 👋 This episode is also sponsored by Resolve. A physician contract review and compensation data company bringing change to physician contracts. For 10% off, add PGD10 when you sign up! —- 👋 Jamie Fle...
2024-02-2237 min
The Podcast by KevinMDSecure your future today: the essential guide to disability and life insurance for physicians and professionalsIn this special sponsored episode by Set for Life Insurance, we have Jamie Fleischner, founder and president of Set for Life Insurance. With over 28 years of industry experience, Jamie is a leading expert in disability and life insurance, helping clients protect themselves from life's uncertainties. Join us as we explore the world of insurance with Jamie. Discover why disability insurance is crucial for professionals like physicians, when the best time to purchase a policy is, and the key elements to consider. We'll also delve into the significance of life insurance, determining the right coverage and debunking common...
2023-05-2224 min
Docs Outside The Box176 – Can my side hustle money be covered by Disability Insurance?SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!What’s good!!! On today’s episode we’re going to talk about what Disability insurance will and won’t cover if you’re affected by Covid-19. Affected can mean different things ranging from being infected by the virus, to you having to close down your clinic for a significant time. Jamie Fleischner, President of Set For Life Insurance, jumps on the hot seat to explain what happens with disability claims during this pandemic time. We also talk about...
2020-08-1724 min
Docs Outside The BoxAsk Darko v3.0SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! LISTEN & SUBSCRIBE ON: APPLE PODCASTS | GOOGLE PLAY | STITCHER | SPOTIFY DOTB Nation! I know I left you all hanging for 2 weeks. There are a lot of changes going on in the background for Docs Outside the Box. I always encourage listeners to submit questions to me. It’s much easier to answer these questions through the podcast and that’s what I did for this episode. A valued listener submitted the following question: Hi Dr Dar...
2018-06-1527 min
Doctor Money MattersEpisode 1. Jamie Fleischner — Disability and Life InsuranceWelcome to the premiere of the Doctor Money Matters podcast. This episode starts with a short introduction about the podcast and your host, Tarang Patel, DO. We then discuss the basics of disability and life insurance with Jamie Fleischner, the founder of Set for Life Insurance, in Colorado. Jamie talks about what you need to know when buying these important policies which are part of a good financial foundation. Healthcare professionals are a big target for some unscrupulous insurance agents. Get educated about these topics before purchasing any policies. Click here to take the episode 1 continuing education quiz.
2017-03-1227 min