About Insuring Income

Focused insurance guidance for physicians.

Insuring Income helps physicians protect income, compare options, and move through insurance decisions with clarity and confidence.

Insurance decisions can be technical, personal, and easy to postpone. Our role is to make the important parts easier to understand so physicians can make informed decisions without pressure.

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Serving physicians and high-income professionals with established insurance guidance.

Education first Transparent guidance Long-term support

15 years

Market experience

DI first

Primary focus

Term life

Fast comparison

Education first Transparent guidance Long-term support Market experience Primary focus Fast comparison Education first Transparent guidance Long-term support Market experience Primary focus Fast comparison

Insurance advice should be understandable.

Physicians should know what they are buying, why it matters, how the policy works, and what tradeoffs are involved. A good insurance process should leave you more confident, not more confused.

Calm guidance from people who understand the details.

Rick Warren leads Insuring Income with a focus on helping physicians understand disability insurance, term life insurance, underwriting, and policy design decisions. The team supports clients through quoting, applications, underwriting requests, document collection, and ongoing service.

Meet the team

Meet our agents.

Insurance decisions are easier to make when the people reviewing them understand policy design, underwriting, and the practical questions physicians ask before they buy coverage.

Co-Owner, Insurance Broker

Rick Warren Jr., MBA

Rick has been in the life and disability insurance business for 10 years. Since the majority of the individuals that work with Insuring Income are physicians and dentists, Rick has gained an expert level understanding of the intricacies of policy design. Rick prides himself in the work he does to find clients the absolute best term life health class along with looking for savings for clients wherever they can be had.

Policy design Health class review Savings opportunities

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Insurance Specialist

Rob Thomas

Rob joined Insuring Income in 2020. He’s been an insurance specialist since 2015, and joined the team because he believes in the value the brand delivers in life and disability insurance.

Life insurance Disability insurance Client support

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Testimonials

What clients have said about working with Insuring Income.

These testimonials are carried over from the live Insuring Income site and preserved with the same names and professional labels shown there.

Testimonials are being reviewed for publication.

Guidance around medical careers.

Residents and fellows

Planning ahead before attending income begins.

Attendings

Reviewing higher income protection stakes and existing coverage.

Dentists and practice owners

Coordinating personal and business protection needs.

Ready to compare options?

Choose the coverage path that matches the decision in front of you. We will help you request quotes, compare options, and apply online when you are ready.

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