While we specialize in serving physicians, dentists, attorneys, and engineers, we can help any high-income individual seeking comprehensive and cost-effective coverage.

As an impartial brokerage, we compare policies from all major insurance carriers, giving you access to competitive pricing and letting you choose the policy that offers the best value for your needs.

Carlsbad Insurance Brokerage does not directly provide financial planning services. However, we maintain a network of trusted advisors throughout Southern California and can connect you with professionals who specialize in comprehensive financial planning.

Simply contact us through our website.

True Own-Occupation Disability Insurance pays you benefits if you’re unable to perform the specific duties of your profession due to a covered disability. Even if you decide to work in another capacity during your disability, these policies continue to pay out, ensuring that high-income specialists—like doctors, dentists, and attorneys—maintain financial stability and peace of mind.

Group disability coverage is typically offered through an employer or professional association. While convenient, these policies may have limitations—like lower benefit caps or definitions of disability that aren’t own-occupation. Individual coverage is often more comprehensive and customizable, but usually comes with higher premiums.

Some policies offer a partial or residual rider that pays benefits if you can still work but at a reduced capacity or income. This can be crucial for professionals recovering from an injury or illness who are able to work part-time but have lost some of their earning potential.

Major life events—like getting married, having children, buying a house, or starting a business—often warrant revisiting your coverage. It’s also a good idea to review your policy at least every few years, even without a major event, to ensure it still meets your evolving needs.

Premiums depend on several factors, including your age, health history, occupation, lifestyle habits (such as smoking), and the type of policy you choose. Each carrier has its own underwriting guidelines, which is why an impartial broker can be helpful in shopping for the best rates.

Many term policies include a conversion option, which allows you to transition to a permanent policy without undergoing additional medical underwriting. This is especially beneficial if your health changes but you still want ongoing coverage.

If you own or run a practice, business overhead insurance covers ongoing expenses (rent, payroll, etc.) when you’re temporarily unable to work. It keeps your practice financially stable during your recovery.

Malpractice insurance covers legal expenses and potential settlements arising from professional liability claims, helping protect both your personal assets and professional reputation.