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I am a MS4 heading into residency in a procedural specialty. For obvious reasons, I have created a new account for this.
Much of the financial advice I have heard for those in my position includes a healthy focus on risk management via insurance to protect future earning potential. Often this is framed as "get disability insurance and a 20-30 year level term life policy while you are young and healthy." I am interested in any thoughts or experiences regarding this coverage for those of us who are young but already have serious known, well-managed chronic health conditions.
I have been able to find very little on what to expect in terms of medical underwriting and consequences. I imagine there are two ways this could go - exclusions or jacked up premiums. Maybe both. Anyone have any experiences, information, or advice to share?
Much of the financial advice I have heard for those in my position includes a healthy focus on risk management via insurance to protect future earning potential. Often this is framed as "get disability insurance and a 20-30 year level term life policy while you are young and healthy." I am interested in any thoughts or experiences regarding this coverage for those of us who are young but already have serious known, well-managed chronic health conditions.
I have been able to find very little on what to expect in terms of medical underwriting and consequences. I imagine there are two ways this could go - exclusions or jacked up premiums. Maybe both. Anyone have any experiences, information, or advice to share?