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Lawyers in Practice

Years of credibility. A growing client base. It’s time to ensure it’s all protected.

Coming Soon

Protect Your Reputation, Preserve Your Income

As your career matures, your income and responsibilities grow. Now is the moment to solidify your insurance strategy.

Why This Matters Now

  • Income has increased—coverage should too.

  • Disability could shift you out of the courtroom or advisory role.

  • Life insurance protects your family and your firm.

🛡️ True Own-Occupation Disability Insurance

An experienced attorney is a high earner—and high risk for the impact of illness or injury. A disability that prevents you from litigating or advising can mean a significant loss of income.

  • Your policy should reflect your current income, not your first-year salary.

  • Ensure proper residual (partial) disability coverage to cover reduced capacity.

🧭 Life Insurance

You may now have children, a mortgage, or business obligations. Life insurance can secure your family’s financial future, provide liquidity, or support succession planning.

Let’s Make Sure the Practice You’ve Built Is Protected
Download your guide (coming soon)

  • Which professionals do you primarily work with?
    While we specialize in serving physicians, dentists, attorneys, and engineers, we can help any high-income individual seeking comprehensive and cost-effective coverage.
  • How does partnering with multiple carriers help me get better rates?
    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.
  • Do you offer financial planning?
    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.
  • How do I get started?
    Simply contact us through our website.
  • What is True Own-Occupation Disability Insurance, and why is it important?
    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.
  • How does group disability insurance compare to an individual policy?
    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.
  • What is partial or residual disability coverage?
    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.
  • When should I review or update my life insurance policy?
    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.
  • How are premiums determined for life insurance?
    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.
  • Can I convert my term life policy to permanent life insurance?
    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.
  • When should I consider Business Overhead Insurance?
    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.
  • Why is Malpractice Insurance essential for physicians and dentists?
    Malpractice insurance covers legal expenses and potential settlements arising from professional liability claims, helping protect both your personal assets and professional reputation.
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