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Physician Finance, Lending & Insurance Blog

Welcome to the LeverareRx Blog, where we help readers stay current on trends and insights in physician finance, lending, and insurance. Read more here!

15-Year vs. 30-Year Mortgage Loans: Which is Better?

Many first-time homebuyers are drawn to 30-year mortgages. More time to pay it back, and at a lower monthly cost. But that's not always the best idea.

2020 Mortgage Market Review [Plus, Top 2021 Predictions]

Record-low rates dominated the mortgage market in 2020, but industry experts don't expect this to last through the 2021 homebuying season. Here's why.

3 Reasons Why You Should Avoid Cash Value Life Insurance

Although cash value life insurance may seem lucrative at face value, it has many downsides. Here's why term life insurance is a better option for doctors.

4 Key Steps Doctors Can Take to Pay Off Student Loans

The average medical student begins professional practice with $176,000 in student loan debt. Here is the fastest and most effective way to get rid of it.

5 Steps You Need to Take to Get Disability Insurance

Enjoy living life on the edge? Assessing your risk level is just one part of the disability insurance buying process. Here's what to expect at every step.

529 College Savings Plans: What Parents Need to Know

Higher education isn't cheap. But did you know parents can help their kids combat student debt head-on with a 529 college savings plan? Learn more here!

7 Money Moves Doctors Should Make in 2017

The beginning of a new year is the perfect time to review your personal finances. Which of these seven money moves can you add to your annual resolutions?

Accidental Death & Dismemberment Insurance, Explained

Although AD&D insurance shouldn't replace your life or disability insurance policies, it can supplement your coverage. Here is the best way to do so.

Advantage Education Loan: 2021 Student Loan Refi Review

Advantage Education Loans is a nonprofit lender that helps students finance their education. Learn more about refinancing your student loans with Advantage.

AMA: 2021 Physician Disability Insurance Review

In this company review, we cover everything you as a physician need to know before purchasing the AMA Disability Insurance Plan. Read on to learn more.

AMA Life Insurance: 2021 Review [For Doctors]

Did you know that members of the American Medical Association (AMA) have access to a number of great physician life insurance discounts? Learn more here!

2021 Ameritas Disability Insurance Review for Doctors

Due diligence is key to finding the right disability insurance coverage. Get started performing yours with our 2021 Ameritas disability insurance review.

Ameritas Life Insurance: 2021 Company Review

In this 2021 company review, we break down what makes Ameritas one of the most reliable physician life insurance options for doctors at any career stage.

The Basics of Annual Renewable Term Life Insurance

Annual renewable term life insurance offers tremendous flexibility for policyholders. In this article, we help you decide if ART coverage is right for you.

AI in Healthcare & Medicine: A Guide for Doctors in 2021

In this article, we cover what doctors need to know about artificial intelligence in healthcare and medicine. Learn more about the pros and cons of AI here.

4 Physician Disability Insurance Mistakes to Avoid

Buying disability insurance can be extremely tedious. This leads to all kinds of mistakes and missteps. Buy they're completely avoidable --- here's how.

2021 Ultimate Guide to the Backdoor Roth IRA for Doctors

What is a Backdoor Roth IRA? How do you set one up in 2020? We cover all of this and more in our complete guide to the Backdoor Roth IRA for doctors.

BancorpSouth: 2021 Physician Mortgage Loan Company Review

BancorpSouth Bank offers a wide variety of financial products and services to consumers, including special mortgage loans for doctors. Learn more here.

Bank of America: 2021 Physician Mortgage Loan Review

In this company review, we explain everything doctors need to know about home financing with a Bank of America physician loan in 2021. Learn more here!

Bank of America Practice Solutions: 2021 Company Review

What makes Bank of America Practice Solutions a leader in the healthcare lending space? Learn more in our latest medical practice financing company profile.

Bankers Healthcare Group: 2021 Practice Financing Review

Whether you are expanding an existing medical practice or starting from scratch, Bankers Healthcare Group has a financing solution for you. Learn more here.

Banner Life Insurance: 2021 Company Review

In this article, we provide an unbiased, independent analysis of Banner Life Insurance Company. Learn more about what Banner can offer physicians here.

The Basics of Mortgage Rate Locks

Mortgage interest rates are constantly changing. Mortgage rate locks ensure that you pay the interest rate offered at a specific time. Here's how they work.

BBVA Compass: 2021 Physician Mortgage Loan Company Review

In addition to its award-winning mobile banking experience, BBVA also offers physician mortgage loans. Learn more about the BBVA Compass doctor loan here.

Which of These 6 Budget Systems Is the Best Fit for You?

Although there's no "one-size-fits-all" budgeting solution, the goal is usually the same. Spend smart today so you can meet your goals tomorrow. Here's how.

5 Great Credit Cards for New Doctors in 2021, Reviewed

Finding the right doctor credit card is key to financial success early in your career. Here, we review five great credit cards for new doctors in 2021.

Best Disability Insurance for Anesthesiologists in 2021

As high income earners, anesthesiologists should consider disability insurance to help protect their ability to earn an income. Here's the best companies.

Best Disability Insurance for Cardiologists in 2021

As high-income earners, cardiologists need disability insurance to protect their ability to earn an income. Here's what to know before buying.

Best Disability Insurance for Dentists in 2021

Dentists need to consider disability insurance to protect their income. Here's the best disability insurance for dentists and what you should expect to pay.

Best Disability Insurance for ER Physicians in 2021

Here's why emergency medicine doctors need disability insurance, how it works, how much it costs and the top disability insurance companies for doctors.

Best Disability Insurance for Family Doctors in 2021

Here's the best disability insurance companies for family medicine doctors, how much disability insurance costs and everything else you need to know.

Best Disability Insurance for Nurse Practitioners in 2021

Here's why nurse practitioners need disability insurance, the best disability insurance companies for NPs and how much disability insurance costs.

Best Disability Insurance for Radiologists in 2021

If you’re a radiologist, protecting your income against a possible disability is critical. Here's the best disability insurance companies for radiologists.

Best Disability Insurance for Surgeons in 2021

What happens if a surgeon became disabled and can't operate? Here's why surgeons need disability insurance, how much it costs and the best companies.

Best Disability Insurance for Veterinarians in 2020

A disability can affect your ability to practice as a veterinarian. Here's the best disability insurance companies for veterinarians and how much it costs.

6 Helpful Home Improvement Ideas to Boost Curb Appeal

For busy doctors, home improvement may not be a top of mind. But boosting your home's looks, efficiency, and security now will increase its value long-term.

10 Best Personal Finance Apps & Tools for Doctors in 2021

Thanks to modern tech, managing your money has never been easier. Here are the 10 best financial apps and tools you should consider downloading in 2021.

10 Best Personal Finance Books for Doctors in 2021

From fresh perspectives to timeless classics, there's no shortage of great personal finance books. Here are the 10 best books about money for doctors.

8 Best Finance Podcasts for Doctors [2021 Review]

Financial podcasts are a great use of spare time for busy doctors. In this article, we review the best personal finance podcasts of 2021. Learn more here!

The Best & Worst States to Practice Medicine in 2021

What are the best states to practice medicine in 2021? How about the worst? In this article, we help doctors seeking to start their own practices find out.

The Best Ways to Consolidate Multiple Debts Right Now

You may be in debt, but you're not alone. Here's what you need to do to pay down debt fast --- no matter where it originated from.

BMO Harris Bank: 2021 Physician Mortgage Loan Review

Are you a doctor looking to buy your first home? In this company review, we explain why you should consider a physician mortgage loan from BMO Harris Bank.

BOK Financial: 2021 Physician Mortgage Loan Review

BOK Financial's Physician Mortgage Loan program brings much-needed flexibility to home financing for high-income medical professionals. Learn more here.

Brazos (StudentLoans.com): 2021 Student Loan Refi Review

Brazos (StudentLoans.com) is a nonprofit lender that helps Texas residents finance education. Learn more about refinancing your student loans with Brazos.

4 Types of Business Insurance for Medical Practices

Sufficient insurance coverage is key to the success of any business. Here are four "must-have" types of business insurance for medical practices in 2021.

The Basics of Business Overhead Expense Insurance

Launching a medical practice requires doctors to think like business owners. A business overhead expense insurance policy will protect what you finance.

6 Business Skills Private Practitioners Need to Succeed

Not all doctors have the business expertise required to run a successful medical practice. Check out these must-have skills for independent doctors in 2021.

How to Know If a Condo or Townhome Is a Good Fit for You

Not everyone is cut out for a condo or townhome. Here's how you can determine if this route to homeownership is feasible for you.

How to Buy a Home While Relocating Your Practice

Can you imagine buying a home while relocating your practice? Here are five tips to minimize stress when these two major life events collide.

Do You Need Life Insurance as a Resident in Training?

What makes sense for one resident in training may be completely unrealistic for another. Find out whether you should buy life insurance now or later.

Can I Buy Term Life Insurance Without an Agent?

If you like to avoid salespeople, you're not alone. But when it comes to term life insurance in 2019, should you buy a policy directly from a carrier?

Cadence Bank: 2021 Physician Mortgage Loan Company Review

Physicians, doctors, dentists, and other medical professionals may qualify for an Early Professional Mortgage Loan from Cadence Bank. Learn more here.

Can a Life Insurance Company Deny My Claim?

In order to answer this question, we first need to discuss life insurance incontestability clauses and contestability periods. Keep reading to learn more.

Can Creditors Claim Life & Disability Insurance Benefits?

A thorough estate plan will ensure your assets are awarded to the right people when you pass. This should include life and disability insurance benefits.

Can I Use a Cash Gift to Qualify for a Mortgage Loan?

Although a cash gift can be used to qualify for a mortgage loan, it's not that simple. Here, we walk you through the hurdles you will have to overcome.

Can My Life Insurance Policy Also Cover a Disability?

Although you can usually add a disability rider to your life insurance policy, an individual disability insurance policy is still a must-have. Here's why.

The Catastrophic Disability Insurance Rider, Explained

Trying to understand every disability insurance benefit on your own is tough. In this article, we illustrate the value of the catastrophic disability rider.

Disability Insurance Insights & Resources

Welcome to the disability insurance hub of the LeverageRx Blog. For all things income protection, make yourself at home and read on.

Physician Life Insurance Insights & Resources

Welcome to the physician life insurance hub of the LeverageRx Blog. For all things life insurance, make yourself at home and read on.

Medical Malpractice Insurance Insights & Resources

Welcome to the malpractice insurance hub of the LeverageRx Blog. For all things liability protection, make yourself at home and read on.

Physician Finance Insights & Resources

Welcome to the physician finance hub of the LeverageRx Blog. It's like personal finance, but we cater to the unique needs of medical professionals.

Mortgage Loan Insights & Resources

Welcome to the mortgage loans hub of the LeverageRx Blog. For all things home financing, make yourself at home and read on.

Medical Practice Loan Insights & Resources for Doctors

Welcome to the medical practice loans hub of the LeverageRx Blog. For all things practice financing, make yourself at home and read on.

Medical Student Loan Refinancing Insights & Resources

Welcome to the student loans hub of the LeverageRx Blog. For all things refinancing and consolidation, make yourself at home and read on.

Citizens Bank: 2021 Student Loan Refinance Review

Citizens Bank student loan refinancing is available to borrowers in all 50 states. Learn more about refinancing your student loans with Citizens Bank here.

Claims Made vs. Occurrence Malpractice Insurance

When shopping for malpractice insurance, one of the most important considerations is claims made or occurrence coverage. Here's the difference.

CME for Physicians: How it Works in 2021

Learning is a lifelong endeavor, especially in medicine. Learn more about continuing medical education for physicians, including how to earn CME credits.

College Ave: 2021 Student Loan Refinance Company Review

Do you have private student loans to repay from medical or dental school? Take a stroll down College Ave with our latest student loan refinancing review.

5 Common Myths About Disability Insurance, Debunked

Of all types of insurance out there, disability insurance is easily the most misunderstood. That's why we set the record straight on five common myths.

CommonBond: 2021 Student Loan Refinance Company Review

From loan eligibility to social responsibility, this student loan refinancing company profile has everything you need to know about CommonBond. Learn more!

Comparing Conventional, FHA and Physician Mortgage Loans

As a doctor, you've probably heard of physician mortgages. But what makes them different from conventional loans and FHA loans? Keep reading to find out.

The Financial Impact of COVID-19 on Physicians

The COVID-19 outbreak has been hard on everyone, especially medical professionals. Here, we examine the financial impact of the pandemic on physicians.

A Crash Course for Doctors on Trusts

Estate planning is much more than simply setting up a trust. But deciding how to manage and distribute your assets upon death is a great place to start.

Credible: 2021 Student Loan Refinance Review

Credible is an online student loan refinance marketplace that makes it quick and easy to compare your options for free without affecting your credit score.

Critical Illness Insurance vs. Disability Insurance

What is critical illness insurance, and when do you need it? In this article, we compare critical illness insurance to long-term disability insurance.

The Current State of the Housing Market in 2018

Is it a better time to buy or sell? Is the housing market stable? Are mortgage rates rising or falling? In this article, we answer all of this and more.

Is a Deferred Compensation Plan Right for You?

As a doctor, you have access to financial resources others don't. Learn how a deferred compensation plan could change the way you save for retirement.

When Should a Doctor Hire a Disability Insurance Lawyer?

What happens if your claim for long term disability benefits is denied? You may need to hire a disability insurance attorney. Learn when to do so here!

How Disability Insurance Combination Plans Work in 2021

As a physician, you can't afford to settle for just any old disability insurance policy. Learn if a stacked disability insurance plan is right for you.

How Does the Cost-of-Living Adjustment Rider Work?

Disability insurance is jam-packed with confusing jargon. To help simplify your experience, let's take a closer look at the COLA riders most carriers offer.

7 Ways to Get Disability Insurance Discounts

Disability insurance can be expensive but luckily there are ways to save money on premiums. Here's the most common disability insurance discounts.

Best Disability Insurance for Dermatologists in 2021

If you're a dermatologist, it’s highly encouraged that you own disability insurance. Here's the best disability insurance companies for dermatologists.

Best Disability Insurance for Urologists in 2021

Urologists should consider getting a disability insurance policy. Here's the best disability insurance companies for urologists and how much it costs.

Disability Insurance Future Increase Options, Explained

In this article, we cover the importance of future increase option riders in disability insurance --- especially for doctors with high income potential.

How to Prep for Your Disability Insurance Medical Exam

As a doctor, you're used to examining patients - not being examined. Here's what you need to do to max out your disability insurance medical exam results.

How a Disability Insurance Return of Premium Rider Works

Return of premium riders allow disability insurance policyholders to get a refund if they do not file a claim or use their insurance. Learn more here.

Understanding the Student Loan Disability Insurance Rider

A student loan rider on your disability policy will cover your student loan payments if you become disabled. Here's how it works and what you need to know.

Do Military Doctors Qualify for Disability Insurance?

Needless to say, serving in the armed forces greatly increases your risk of disability. Here, we examine how military doctors get disability insurance.

How Do Student Loans Affect Your Credit Score

If you have student loan debt, it's important to understand how it impacts your overall finances. Learn how student loans affect your credit score here.

Empowering Doctors with Disabilities in 2021

Leading up to Disability Insurance Awareness Month, we highlighted the best resources and accommodations that are available to disabled doctors in 2021.

Earnest: 2021 Student Loan Refinance Company Review

In this student loan refinancing company review, we break down everything Earnest has to offer, including: key benefits, eligibility requirements and more.

ELFI: 2021 Student Loan Refinance Company Review

From key benefits to eligibility requirements, this student loan refinancing company review provides a deep-dive on the services of Education Loan Finance.

How to Select a Disability Insurance Elimination Period

Your policy's elimination period is a key variable in the disability insurance equation. Here's how to find the right elimination period length for you.

Estate Planning for Physicians in 2021

A proper estate plan will help secure the financial well-being of your loved ones after you pass. Here's what doctors need to know about estate planning.

Will FHA Mortgage Loans Be Practical for Doctors in 2021?

For doctors, physician mortgage loans are typically their best bet. However, FHA loans may become more popular for this profession in 2021. Here's why.

Fifth Third Bank: 2021 Physician Mortgage Loan Review

Whether you are an experienced medical practitioner or a resident-in-training, you may eligible for a physician loan from Fifth Third Bank. Learn more here!

5 Unique Financial Challenges That Doctors Face in Life

Everyone knows doctors are highly-compensated, but few consider the steep price of admission. Here are five unique financial challenges doctors face today.

Why So Many Physicians Struggle With Financial Literacy

Physicians are among the highest educated and earning members of modern society. So why do so many of them struggle with financial literacy and wellness?

Financial Planning for Physicians [2021 Best Practices]

From industry certifications to must-ask questions, this complete guide covers everything you need to know to build a financial advisory team you can trust.

What Doctors Need in Their Financial Safety Net in 2021

Doctors need a financial safety net with a realistic budget, ample emergency fund, and various types of insurance. Here’s why (plus, how to get started).

How Doctors Can Improve Their Financial Wellness Today

Despite high income potential and great job stability, many doctors struggle with financial wellness. Learn more about financial wellness for doctors.

Fixed-Rate Mortgages vs. Adjustable-Rate Mortgages

How should you evaluate your home financing options? Understanding the pros and cons of fixed-rate and adjustable-rate mortgages is a great place to start.

Flagstar Bank: 2021 Physician Mortgage Loan Review

Flagstar's professional loan program provides home financing to physicians, dentists, and other doctors. Learn more about the Flagstar Bank physician loan.

First National Bank of PA: 2021 Physician Loan Review

The First National Bank of Pennsylvania offers special mortgages for physicians, doctors, and other high-income medical professionals. Learn more here.

Free Tuition Medical School: How Does it Work?

For aspiring doctors, tuition free medical school is a dream come true. But what schools offer it? More importantly, do you qualify? Learn more here.

Fulton Mortgage: 2021 Physician Mortgage Loan Review

When it comes to home financing, doctors often have a specific set of needs. Learn more about financing your home with a Fulton Mortgage physician loan.

How Doctors Build Generational Wealth for Their Families

Given their high income potential and strong job security, doctors have a better chance than most to achieve generational wealth for their families.

5 Ways Group Disability Insurance Limits Your Coverage

Group disability insurance is a great way to maximize your income protection. However, most doctors need an individual policy as well. Here's why.

2021 Guardian Disability Insurance Review for Doctors

When it comes to physician disability insurance, Guardian is among the best of the best. Here's what makes Provider Choice a great fit for most doctors.

Hippo Lending: 2021 Medical Practice Finance Review

For a refreshing take on medical practice financing, look no further than Hippo Lending. Learn more about the digital lender in this week's company review.

Home Equity Loans vs. Home Equity Lines of Credit [2021]

Building equity is one of the many perks of homeownership. Here are the two most common ways to access home equity (and the different ways you can use it.)

Home Inspection vs. Appraisal: First-Time Buyers Guide

For first-time homebuyers, it's easy to confuse the home inspection and home appraisal processes. Learn more about the key differences between the two here.

What You Need to Know When Buying a Home in Residency

Don't let residency stop you from buying a home. Do follow these best practices to make sure you get the most bang for your buck.

Homeowners Insurance vs. Renters Insurance Made Easy [2021]

What are the key differences between homeowners insurance and renters insurance? In our comprehensive guide, we explain everything you need to know in 2021.

Hospitals Insurance Company: 2021 Malpractice Review

There is no shortage of malpractice insurance carriers for you to choose from. However, practicing physicians in New York should consider HIC. Here's why.

The 2021 Housing Market Is Crazy — Here's Why

Thanks to record-low mortgage rates and a shortage in housing inventory, the 2021 housing market has been marred by chaos. Here’s what you should know.

2019 Housing Market Predictions, According to the Experts

On the hunt for a home this year? We compiled expert market insights and analysis to help you get a better feel for housing price predictions in 2019.

5 Ways Disability Insurance Agents Dupe Doctors in 2021

The insurance industry isn't exactly known known for its moral compass. Here, we highlight 5 ways disability insurance agents take advantage of physicians.

How Disability Insurance Companies Determine Your Income

Before issuing anyone disability insurance coverage, carriers perform an extensive underwriting process. In this article, we explain how it works.

How Discount Mortgage Points Work

Discount mortgage points are an optional fee that borrowers can pay upfront to reduce their interest rate over the life of the loan. But is it worth it?

How Doctors & Nurses Use TikTok [& Why It Matters]

More and more medical professionals are showcasing their specialties on TikTok. Here's how doctors and nurses are using the viral app, and why it matters.

How Medical Specialty Impacts Disability Insurance Rates

To disability insurance companies, some specialities present a much higher risk than others. And it shows in the premium rates they pay. Let's examine why.

How Mortgage Lenders Assess Debt and Income

One of the key components of mortgage underwriting is the prospective buyer’s debt-to-income (DTI) ratio. Here's how lenders calculate your debt and income.

How Much More Expensive is Your Doctor's Home?

Doctors make more money than most. But how does their high-income potential influence the homes they buy? We did a little research - here's what we found.

How Much Term Life Insurance Do I Need as a Doctor?

Every doctor needs term life insurance. But just how much coverage should you actually purchase? Here's how to find the best policy for your situation.

How Rising Interest Rates Can Impact Your Finances

When interest rates take a hike, here's what you need to know to limit the negative impact on your personal finances.

How to Build the Perfect Emergency Fund for Your Needs

Insurance is a life-saver, but it doesn't protect everything. Here, we explain how you can build the perfect emergency fund for your financial situation.

How to Calculate Closing Costs of Physician Mortgages

Like any type of loan, physician mortgages have closing costs. But what kind of fees will your closing cost include? Find out here.

What to Look for When Checking Your Credit Report

Credit reports are complicated. In this article, we help you make sense of the information contained in credit reports from the three major credit bureaus.

How to Compare Medical Malpractice Insurance Companies

Every medical professional who treats patients needs malpractice insurance. But not all carriers are created equal. Here's how to find the best of the best.

How to Compare Mortgage Loans for Doctors in 2021

LeverageRx helps homebuyers compare mortgage loans from various lenders. Here are the key questions to ask mortgage brokers and loan officers when shopping.

How to Deal With Imposter Syndrome: 5 Tips for Doctors

If you struggle with self-doubt, you may be experiencing imposter syndrome. Here’s why doctors are prone to imposter syndrome and how to get over it.

How to File Your Tax Returns in 2021

Don't look now, but tax season is right around the corner. Here's what you need to know about the Tax Cuts and Jobs Act to file your taxes in 2021.

How to Increase the Value of Your First Home in 2021

If you’re like most first-time homebuyers, the dwelling you just bought or are about to buy won’t be your permanent home. Here's how to increase the value.

How to Invest in the Stock Market [For Doctors]

What does a smart market investment strategy look like for a high-earning doctor such as yourself? Learn more about how to invest in the stock market here.

How to Maximize Your Disability Insurance Coverage

It's easy to skip the add-on benefits for your disability insurance policy and save money. But someday you may wish you had one (or more) of these riders.

How to Protect Yourself from Identity Theft in 2021

One careless mistake online is all it takes to compromise your sensitive personal information. Learn how to protect yourself from identity theft today.

Financial Independence, Retire Early: How to Master FIRE

Winning the lottery isn't the only way to enjoy an early retirement. Here's what physicians need to know about FIRE ---financial independence, retire early.

Why You Can (and Should) Save More for Retirement in 2021

The IRS increased how much you can contribute to your workplace retirement plan in 2021. Here's what doctors need to know to maximize their savings.

2021 Tax Refund Spending Do's & Don'ts for Young Doctors

What's the smartest way to spend your tax refund? In this article, we share the biggest do's and don'ts for young physicians in 2021. Learn more here!

How to Start A Medical Practice in 2021

From practice financing and legal structures to licenses and credentialing, here's what doctors need to know to start a successful private medical practice.

What Should Physicians Do with Extra Money?

When you find yourself with a little extra money, temptations will mount. Depending on your situation, you should either save, invest or pay down debt.

How to Fight (and Win) a Medical Malpractice Lawsuit

Being accused of malpractice is among the most daunting experiences a doctor can face. Here's what you need to do to win your case.

Huntington Bank: 2021 Physician Mortgage Loan Review

In the market for a physician loan to finance your home? Look no further than Huntington Bank's Premier Program for doctors and residents. Learn more here!

IBERIABANK: 2021 Physician Mortgage Loan Company Review

The IBERIABANK physician mortgage loan program is available to doctors from a wide range of medical specialties across all career stages. Learn more here.

Money Dates & Deadlines to Mark on Your Calendar in 2021

No matter what stage you're at in your medical career, these important money dates belong on your calendar. And they'll be here before you know it.

Income-Driven Repayment vs. Student Loan Refinancing

To defeat student debt, you need to understand your options. Let's determine whether income-driven repayment or student loan refinancing is better for you.

What Insurance Company Ratings Mean & Why They Matter

Insurance companies receive financial strength ratings from agencies, such as AM Best, Fitch, and Moody’s. Here’s what these ratings mean for doctors.

6 Essential Types of Insurance for Doctors in 2021

Doctors have unique financial circumstances and, as result, require unique financial products. Learn more about key types of insurance for doctors here.

An Interview with Stephanie Arcelay of SunTrust Mortgage

Check out these key insights from our recent interview with reputable doctor loan specialist Stephanie Arcelay of SunTrust Mortgage.

INvestEd Indiana: 2021 Student Loan Refinance Review

The INvestEd Refi Loan is available to student borrowers in all 50 states. Learn More about refinancing your student loans with INvestEd Indiana here.

Investing for Doctors: 8 Ideas to Consider in 2021

When done right, smart investing can pave the way to financial independence. Look beyond conventional wisdom with these 8 investment ideas for 2021.

Is Medical School Worth It? Pros & Cons in 2021

Between undergrad, med school, and residency, becoming a doctor may take a whole decade - if not more. So, is becoming a doctor worth it in 2021?

How to Make Money While in Medical School

In this article, we explore various side gigs and jobs for medical students in 2021. Read on to learn more about how to make money in medical school.

Biden on Healthcare: What Frontline Workers Need to Know

President Joe Biden has his hands full. In this guide, we take an early look at what frontline workers can expect from the Biden on healthcare in 2021.

4 Things to You Need to Evaluate When Joining a HOA

Joining a homeowners' association requires your due diligence. Here's what you should investigate being buying a property within an HOA.

KeyBank: 2021 Physician Mortgage Loan Review

In this company review, we break down what makes a physician loan from KeyBank a great option for medical residents and new doctors. Read on to learn more!

What Are the Leading Causes of Long-Term Disability?

The likelihood of a temporary disability is higher than you may realize. Fortunately, there's insurance for these common sources of long-term disability.

Lendeavor: 2021 Medical Practice Finance Company Review

From startup capital to equipment costs, Lendeavor offers a complete suite of practice financing solutions. Learn more about the tech-savvy lender here.

LendKey: 2021 Student Loan Refinance Company Review

LendKey is an industry leader with a strong track record. But is its student loan refinancing program right for you? Find out in this week's company review.

Level vs. Graded Disability Insurance Premiums, Explained

Is a level premium or a graded premium better for your disability insurance needs? In this article, we'll help you determine which is right for your policy.

How to Financially Prepare for Life After Residency

You chose a career in medicine, not financial planning. Take these six steps now to help manage your newfound wealth once residency is over.

Common Life Insurance Terms You Should Know in 2019

Life insurance can get confusing fast when you don't understand the industry jargon. Learn more here.

What Physicians Can Learn from the Late, Great Jack Bogle

Investor. Businessman. Philanthropist. In his life, Jack Bogle just about did it all. This is what physicians can learn from the Father of the Index Fund.

Lincoln Life Insurance: 2021 Company Review

Looking for physician life insurance? Look no further than Lincoln Financial Group. Learn more about this life insurance leader in our company review.

Little Known Disability Insurance Benefits

In addition to normal benefits, disability insurance policies will likely contain smaller ancillary benefits. Here's what those benefits typically contain.

Live Oak Bank: 2021 Medical Practice Financing Review

Whether it's for acquisition, expansion, or refinancing, Live Oak Bank is a solid choice for healthcare professionals in need of capital. Learn more here.

How to Avoid Lifestyle Inflation & Live Within Your Means

Lifestyle inflation is a financial threat to everyone, but especially for high-income doctors with more to spend. Here’s how to live within your means.

LoanDepot: 2021 Physician Mortgage Loan Company Review

LoanDepot offers special mortgages for physicians and doctors who are buying homes. Learn more about one of the largest retail mortgage lenders in America.

3 Types of Loans Designed Exclusively for Doctors

Medical professionals typically do not fit the mold of traditional loans. That’s why lenders offer special personal, practice, and home loans for doctors.

Life as a Locum Tenens Physician in 2021 [Pros & Cons]

Becoming a locum tenens physician can provide greater flexibility and independence. Here, we cover the advantages and disadvantages of locum work in 2021.

MagMutual: 2021 Medical Malpractice Insurance Review

In this company review, we cover everything you need to know about MAG Mutual Insurance Company and the malpractice insurance coverage it offers physicians.

Do You Need a Consent-To-Settle Clause in Your Policy?

Every doctor needs an individual malpractice insurance policy. And that policy should always include a consent-to-settle clause. Here's why.

Malpractice Insurance Tail Coverage: Do You Need It?

Tail coverage in malpractice insurance enables you to report claims after the policy period has ended. Here's how tail coverage works and what it costs.

2021 MassMutual Disability Insurance Review for Doctors

In this MassMutual disability insurance review, we break-down what doctors need to know about its two policies, Radius and Radius Choice. Learn more here!

How to Maximize the Tax Efficiency of Your Portfolio

Taxes are tricky --- especially when factoring their treatment into investment decisions. Here are five ways to become a more tax-efficient investor.

How to Get the Most out of Your Disability Coverage

Doctors need more insurance than most. Learn how you can maximize your income protection by combining short-term and long-term coverage.

How Much Does Medical Malpractice Insurance Cost in 2021?

Though the cost of medical malpractice insurance has recently stabilized, it's still expensive. Here's how much medical malpractice insurance costs in 2021.

6 Common Medical Practice Management Mistakes to Avoid

From practice financing to operations, medical practice management is a massive undertaking. Learn how to avoid the top mistakes independent doctors make.

Should I Get Disability Insurance as a Resident?

For medical residents, disability insurance isn't a top priority. But buying disability insurance as a resident in training can save you a small fortune.

How to Deal With Stress in Medical School in 2021

Training to become a doctor is a decade-long journey full of academic and financial stress. Here are 3 tips for dealing with medical school stress today.

MedPro Group: 2021 Medical Malpractice Insurance Review

When shopping for malpractice insurance, you have a lot to consider. That's why we broke down MedPro Group's coverage to help you find the best fit.

MEFA Refi: 2021 Student Loan Refinance Review

The Massachusetts Educational Financing Authority offers refinance loans to borrowers nationwide. Learn more about student loan refinancing with MEFA.

Mental, Nervous & Substance Abuse Disability Limitations

Disability insurance often covers more than just physical ailments. Here's what you need to about mental, nervous and substance abuse limitations.

Mercantile Bank of Michigan: 2021 Physician Loan Review

The Mercantile Bank of Michigan doctor mortgage loan program is a viable home financing option for medical professionals in select states. Learn more here.

6 Common Mistakes to Avoid When Buying Life Insurance

Buying life insurance gets confusing fast. In this article, we highlight six common life insurance mistakes we make sure our customers avoid at all costs.

MLMIC: 2021 Medical Malpractice Insurance Company Review

In this malpractice insurance review, we examine what makes MLMIC Insurance Company the gold standard for physicians practicing in New York. Learn more!

6 Biggest Money Mistakes Doctors Still Make in 2021

With great wealth comes great responsibility. In this article, we pinpoint the worst money mistakes that physicians make (and how to avoid them altogether).

Money Savings Tips for Your Upcoming Relocation

When it's time to move, your life may feel like its turned upside down. But do not fear --- here, we help you prioritize for your upcoming relocation.

How to Get a Mortgage Loan for a Vacation Home

When it's time to get away, a vacation home is a great way to do so in style. Here's what physicians need to know about financing a relaxation destination.

NBT Bank: 2021 Physician Mortgage Loan Company Review

Are you a medical practitioner that's in the market to buy a home? If so, a physician mortgage from NBT Bank may be a great fit for you. Learn more here.

Nelnet Bank: 2021 Student Loan Refinance Company Review

Need to refinance medical school loans in 2021? Find out what makes Nelnet Bank a great option for new doctors with student loan debt in this review.

New Home Construction Loans: What You Need to Know

Someday you may be able to build your dream home from the ground up. Until that day comes, learn how financing with new home construction loans works.

Should the New Tax Law Affect Your Home Buying Decision?

How has the Tax Cuts and Jobs Act of 2017 impacted the housing market? In this article, we examine the effects of the new federal tax law on homeownership.

NORCAL Group: 2021 Medical Malpractice Insurance Review

Doctors make mistakes, too. Find out what medical malpractice insurance from the NORCAL Group has to offer (and if it's the right fit for you).

How Disability Insurance Occupation Classes Work

Disability insurance is not one-size-fits-all. When you apply, you will be grouped into an occupation class based on the risk of your medical speciality.

2021 Ohio National Physician Disability Insurance Review

What sets ContinuON Income Solutions II apart from the rest? In this company review, we break down the ins and outs of Ohio National disability insurance.

PAYE vs. REPAYE for Doctors: Which is Better in 2021?

For young, debt-ridden doctors, it's important to understand the difference between PAYE and REPAYE student loan repayment plans. Learn more here!

Paying off Medical School Debt? Here's How Long it Takes

Medical school debt is the last thing new doctors want to think about. Still, important to ask: How long does it take to pay off medical school debt?

PenFed Credit Union: 2021 Student Loan Refinance Review

PenFederal Credit Union offers a unique set of student loan refinance options nationwide. Learn more about refinancing your student loans with PenFed here.

8 Savvy Personal Finance Tips for New Doctors in 2021

Just finished residency and new to practice? You may be financially overwhelmed. Take control of your money with these personal finance tips for doctors.

Physician Burnout: Everything You Need to Know in 2021

Our 2021 report uses the latest surveys and statistics to explain the causes of physician burnout, as well as its signs, symptoms, and impact by specialty.

8 Key Features of a Physician Disability Insurance Policy

What makes the perfect physician disability insurance policy? While there is no one-size-fits-all solution, every doctor needs these features and riders.

2021 Physician Finance Checklist: 10 Simple Steps

Our personal finance checklist covers everything new doctors need to know to effectively manage their money. Learn more about physician finance here.

6 Types of Insurance for Doctors to Review Amid COVID-19

Doctors on the frontlines of the COVID-19 pandemic face unique risks and challenges every day. Here are 6 types of insurance coverage they should review.

2021 Physician Job Market: What to Expect Post-COVID

The pandemic affected physicians of all specialties and career stages in various ways. Here’s what to expect from the post-pandemic physician job market.

2021 Physician Retirement Planning Guide [Best Practices]

Our ultimate retirement planning guide covers everything physicians, dentists, and other medical pros need to know to enjoy a laid-back life after practice.

Primary Mortgage Market vs. Secondary Mortgage Market

What are the main differences between the primary mortgage market and the secondary mortgage market? Here, we cover how each one works and who they're for.

2021 Principal Disability Insurance Review for Doctors

Considering physician disability insurance from Principal? Here's everything you need to know about Principal's disability insurance policy HH750.

Principal Life Insurance: 2021 Company Review

Life insurance is vital component of your financial plans. Learn more about the physician life insurance offered by Principal in this company review.

ProAssurance: 2021 Medical Malpractice Insurance Review

Medical malpractice insurance is a must for doctors. In this company review, we break down the ins-and-outs of coverage from ProAssurance Group.

Various Types of Property Insurance for Natural Disasters

Even the best homeowners policy will not cover every natural disaster. Depending on your location, you may need other types of property insurance as well.

Protective Life Insurance: 2021 Company Review

In this complete company review, we explain what makes Protective Life Insurance Company great for high-earning medical professionals. Learn more here.

Prudential Life Insurance: 2021 Company Review

How do you know if Prudential is the right fit for your life insurance needs? In this 2021 life insurance company review, we help you cut through the noise.

20 Questions to Ask Before Buying Disability Insurance

Here are the 20 questions you need to ask your insurance agent before accepting an offer for disability insurance coverage.

7 Reasons Doctors Need Individual Disability Insurance

Still not sure if you need an individual disability insurance policy? Consider these seven real-life scenarios where having coverage would come in handy.

Understanding Disability Insurance Recovery Benefits

What is a recovery benefit? Does your long-term disability insurance policy need one? In this article, we explain their importance and how they work.

What is a Residual Disability Benefit Rider?

A residual or partial disability rider covers you in the event you become disabled but are still able to work in a limited capacity. Read on to learn more.

RISLA: 2021 Student Loan Refinance Review

The Rhode Island Student Loan Authority offers refinance loans and income-based repayment plans nationwide. Learn more about the RISLA refinance program.

Rural Medicine: The Lack of Healthcare in Rural Areas

In this article, we explain what rural medicine is and why doctors should practice it, along with how to improve the quality of rural healthcare in 2021.

Setting Short vs. Long-Term Financial Goals for Doctors

Doctors are used to setting career goals. But when it comes to money, that’s a different story. Learn more about setting financial goals for doctors here.

Should Doctors Buy a House in Training?

As a resident, you don't have have the disposable income of a doctor yet. But that doesn't mean you have to rent. Let's settle the buy vs. rent argument.

Should Doctors Make a Down Payment on a Mortgage Loan?

Most physician loans allow doctors do buy a house without making a downpayment. Although this sounds appealing, it does have its downsides. Learn more here.

Should You Purchase a Foreclosed Home?

If a foreclosed home has everything you’re looking for, should you consider buying it? Here's what you need to be aware of when considering a foreclosure.

Should You Invest in Real Estate?

Real estate is an attractive investment opportunity for physicians and others with plenty of capital. But like any investment, it has its pros and cons.

Simmons Bank: 2021 Physician Mortgage Loan Company Review

Simmons Bank offers physician mortgage loans for doctors and dentists in a number of states. Learn more about getting a doctor loan with Simmons Bank.

5 Financially-Savvy Resolutions for Physicians in 2021

Hit the ground running in 2021 with these smart financial resolutions every doctor can make --- no matter your speciality or career stage.

Social Media for Doctors: Are Doctor Networks Worth It?

Exclusive doctor networks like Doximity are great. But how do they compare to mainstream social networks? Learn more about social media for doctors here.

SoFi: 2021 Student Loan Refinance Company Review

When it comes to student loan refinancing, SoFi is a household name. Here, we examine the key benefits of refinancing student loans with SoFi and much more.

Splash Financial: 2021 Student Loan Refinancing Review

In the hyper-competitive student loan refinancing market, one company has dedicated it services to doctors and their unique needs. Meet Splash Financial.

2021 Standard Disability Insurance Review for Doctors

Is Standard disability insurance the right income protection solution for you? Find out how The Standard Platinum Advantage policy works in 2020 here.

Student Loan Forgiveness: A Comprehensive Guide for 2021

How do you know if you qualify for student loan forgiveness? Will Biden really cancel student loan debt? Learn more about student loan forgiveness here.

The #1 Employee Benefit You Need to Offer in 2021

Didn't make it to MGMA18? Don't sweat it --- recap with these key insights on modern employee benefits for today's healthcare professionals.

4 Tips for Dealing With Student Loans During COVID-19

The pandemic has brutal on us all — physically, mentally, and financially. Here's what everyone should know about student loans in the age of COVID-19.

SunTrust (Truist): 2021 Physician Mortgage Loan Review

When it comes to physician mortgage loans, SunTrust Bank is a solid option. Find out if a SunTrust physician loan is right for you in this company review.

TD Bank: 2021 Physician Mortgage Loan Company Review

TD Bank's Medical Professional Mortgage is a custom home financing solution designed to cater to the unique financial criteria of doctors. Learn more here.

Federal vs. Private Student Loan Consolidation

What are your federal and private student loan consolidation options? First, let's start with understanding what makes them different.

The Doctors Company: 2021 Malpractice Insurance Review

As a physician, a simple mistake could derail your entire career. In this review, we take a closer look at malpractice insurance from The Doctors Company.

How Rising Interest Rates Affect Home Buying & Ownership

When mortgage interest rates take a hike, what impact does it have on the housing market? In this article, we explain all of this and a whole lot more.

What Are the Tax Benefits of Homeownership?

If you can't decide whether to rent or buy, the various tax benefits of homeownership may help. Here's how buying a house helps you save money on taxes.

TIAA Bank: 2021 Physician Mortgage Loan Company Review

TIAA Bank offers an exclusive mortgage loan program designed to meet the unique financial needs of doctors. Learn more about the TIAA Bank physician loan.

5 Tips for Doctors Filing Long Term Disability Claims

Disability insurance protects you from life's worst case scenarios. If you ever need to file a claim, these five tips will make the process a little easier.

9 Essential Doctor Benefits in 2020

A strong physician benefits package can help attract and retain talent. Learn more about the top doctor benefits for modern medical professionals here.

What If My Home Is Destroyed in a Natural Disaster?

This past year was marred by natural disasters --- both at home and around the globe. Here's how to prepare for the worst Mother Nature has to offer.

UFCU: 2021 Physician Mortgage Loan Company Review

University Federal Credit Union physician mortgage loans are available to doctors and other high-earning medical professionals in Texas, Learn more here.

UMB Bank: 2021 Physician Mortgage Loan Company Review

UMB Bank offers one of the top physician mortgage loan programs for medical professionals in the country, regardless of career stage. Learn more here.

The Financial Impact of Disabilities

Estimates range from 25 percent to 30 percent of American workers will endure some type of temporary disability that will prevent them from working.

Millennial Finance: How Gen Y Thinks About Money (& Why)

Are millennials really that bad with money? This article explores how Gen Y handles debt, homeownership and financial planning compared to past generations.

Why You Need to Understand Mortgage Loan Amortization

Amortization isn't exciting, but it's a key component of debt repayment. Learn how mortgage loan amortization works, and why it matters to every borrower.

The Life Insurance Application & Underwriting Process

Traditionally, the application and underwriting process for life insurance is quite lengthy. Here's how you can make your experience as swift as possible.

9 Unexpected Life Events That Can Derail Your Finances

Doctors earn more than most, but that doesn’t mean they’re immune to financial turmoil. Be sure to financially prepare for these unexpected life events.

U.S. Bank: 2021 Physician Mortgage Loan Review

What makes U.S. Bank one of the best options for physician mortgage loans in 2021? Learn more about U.S. Bank's doctor loan program in this company review.

US Bank: 2021 Medical Practice Finance Company Review

Private practitioners have a ton of financial decisions to make. Few healthcare lenders have a better track record of trust than U.S. Bank. Learn more here!

2021 US Doctor Shortage: What You Need to Know

The U.S. needs more doctors, especially primary care physicians. Learn more about the doctor shortage in America, including its causes and solutions.

Warren Buffet Advice: 12 Timeless Tips for Doctors

We compiled the most profound pieces of investing and financial advice from Warren Buffet's storied career. Here's how they apply to physicians in 2021.

Consider This When Weighing Your Insurance Needs

No one wants to think about death or disability. However, a little extra preparation now can make all the difference in the world when times get tough.

Wells Fargo Practice Finance: 2021 Company Review

For doctors in private practice, Wells Fargo Practice Finance is a household name. Learn more about one of leaders in medical practice financing here.

Disability Insurance Exclusions & Limitations, Explained

When applying for disability insurance, your lifestyle will be examined in great detail. Here's how exclusions and limitations could affect your policy.

What Factors Determine Mortgage Interest Rates?

A variety of factors influence the interest rates set on home mortgage loans. Here, we explain what those factors are and which of them you can control.

Debt After Death: What Happens to Debt When You Die?

Debt doesn't disappear, even after death. In this article, we explain what happens to your debt when you die (including what debts are forgiven at death).

Everything You Need to Know About Bridge Mortgage Loans

Life called, and it's time to move. But what if you're tied down by the mortgage on your current property? A bridge loan just might be the solution for you.

What You Need to Know About Gift Taxes

Feeling generous? Learn how to handle gifts taxes in a smart, swift manner in case you feel inclined to spread the wealth.

What Is a Jumbo Mortgage Loan?

High income potential often leads doctors to expensive homes with jumbo mortgages. Here's how traditional jumbo loans stack up against physician loans.

What Is PMI? Private Mortgage Insurance, Explained

Buying a home often requires buying private mortgage insurance, but not always. Learn more about PMI here (including why physician loans don't require it).

Telemedicine: What it is, How it Works & Why it Matters

In this guide, we cover what telemedicine is, how telemedicine works, and the telemedicine jobs, apps, and companies you need to know. Learn more here!

What Length of Term Life Insurance Should I Get?

As a doctor, you know term life insurance is a must. But just how much coverage do you need? In this article, we help you determine the proper term length.

How the Presidential Candidates View Student Loan Debt

LeverageRx was just featured in Physician's Money Digest. Here's a quick excerpt (and a link to the full article).

When Do I Need Term Life Insurance?

You already know you need life insurance. But which type of policy is the best for doctors? Find out why term life insurance is typically the solution.

When Does Renting Make More Sense Than Buying a Home?

For some, deciding whether to buy a home or rent an apartment is an easy decision. For others, not so much. These are the best times to do each.

Why the Cost of Disability Insurance Varies by State

Disability insurance rates vary widely by states. In some states, you will pay up to 30 percent more in premium for the same coverage as another state.

Why Lenders Offer Zero-Down Mortgage Loans for Doctors

More and more mortgage lenders are beginning to offer zero-down physician loans. Here, we explore how they can afford to do so (and what's in it for them).

Why You Shouldn't Rely Solely on Group Life Insurance

Group life insurance plan is a good way to supplement your coverage at a reasonable cost. But you should also own an individual policy. Here's why.

Will Homeowners Insurance Cover a $132,000 Sculpture?

Oftentimes your homeowners insurance policy covers more than you realize. But a six-figure masterpiece? Let's see what the Goodman family has to say.

6 Year-End Money Moves Doctors Should Make Before 2021

2020 has been tough, but there's no guarantee 2021 will be any easier. High-earning doctors should make these 6 year-end money moves before 2021 arrives.

The Best Year-End Tax Strategies for Doctors in 2021

What last-minute money moves are you making before the ball drops? These five simple tax strategies can minimize what you owe Uncle Sam this April.

Careers & Job Openings

Check out all of our current job openings at LeverageRx in marketing, sales, development, and more. Ready to find your fit and join the LeverageRx team?

13 Best Medical Malpractice Insurance Companies in 2021

LeverageRx helps doctors like physicians, dentists, and nurse practitioners find medical malpractice insurance. Compare malpractice insurance quotes here.

2019 Medical Malpractice Payout Report [Infographic]

Last year, total malpractice payouts in the United States reached $4.03 billion, a 2.9 percent increase from the previous year. To learn more about the state of the medical malpractice insurance industry today, check out our complete analysis of findings from the National Practitioner Data Bank.