In this episode of 'The Patient Physician,' we delve into the nuances of disability insurance with Derek True, the brand & operations manager for The DI Center. The conversation explores medical underwriting, policy exclusions, and the importance of early claims reporting. Derek explains the significance of securing coverage early in a medical professional's career, the role of Guaranteed Standard Issue (GSI) offers, and how trends and technology are shaping the industry. The episode provides valuable insights for physicians seeking to understand the intricacies of disability insurance policies and best practices for ensuring timely and fair claim payments.

MEET OUR GUEST: Derek True, DIA, DHP is the Brand & Operations Manager for The DI Center, a Brokerage General Agency in Allen, Texas, that makes asset protection and income protection easier for producers nationwide.

Derek oversees brokerage marketing and underwriting processes with a knack for the competitive landscape. He has presented to audiences throughout the country on disability insurance, operational excellence, and sales. So we thought he’d be a great guest to tackle the disability insurance 101 questions that we field all of the time from our physician clients.

Derek has been an active member of the National Association of Insurance and Financial Advisors since joining The DI Center in 2011, shortly after graduating from Texas Tech University. He is the current NAIFA-Dallas President-Elect and has served on the NAIFA-Texas Membership Value and TLRT Committee since 2021. He is also a member of the Texas Leaders Round Table (TLRT) and the International DI Society (IDIS).

Derek is also a family man, active in his community, and leads within his church, and enjoys travel and sports.

TIME STAMPS:

00:00 Introduction and Greetings

00:46 Meet the Guest: Derek True

03:25 Derek's Career Journey

06:10 Understanding Disability Insurance

08:38 Mental Nervous Exclusions in Insurance

15:59 Spine and Other Common Exclusions

30:02 Guaranteed Insurability and Policy Increases

36:40 Understanding Variations in Insurance Underwriting

37:19 The Role of Underwriters and Market Dynamics

38:35 Shopping for Insurance: Informal Inquiries and MIB

40:44 The Impact of Technology on Underwriting

45:12 Accelerated Underwriting and COVID-19

47:31 The Importance of Full Disclosure in Underwriting

52:05 Group Coverage and Guaranteed Standard Issue (GSI)

01:05:39 The Claims Process: Best Practices and Common Pitfalls

01:13:45 Final Thoughts and Reflections

Please email questions or show ideas to info@physiciansrs.com.

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In this episode of 'The Patient Physician,' we explore the intricacies of home buying for physicians with Tony Kruse from First Horizon Bank. Tony shares valuable insights from his 31 years in mortgage lending, offering practical advice for new physicians on making informed financial decisions when buying a home. The discussion addresses common challenges physicians face, including dealing with high student debt, navigating job transitions, and planning for future financial stability. The episode emphasizes the importance of early preparation and consulting with financial advisors to ensure a smooth home-buying process.

MEET OUR GUEST: Tony Kruse is a Mortgage Loan Officer with First Horizon Bank in Dallas, TX who specializes in fixed rate and adjustable mortgages and refinancing home loans. Tony has worked in the financial services industry since 1995. Tony is passionate about getting physicians into the home of their dreams and working closely with Realtors to make the home buying process an enjoyable, hassle free experience for everyone involved. Email: tony.kruse@firsthorizon.com

TIME STAMPS:

00:00 Introduction and Greetings

00:51 Discussing Home Buying with Tony Cruz

02:15 Tony Cruz's Background in Mortgage Lending

06:30 Details of Physician Loan Programs

12:16 Adjustable vs Fixed Rate Mortgages

20:25 Regional Lending Limitations and Banking Crisis Impact

23:26 Navigating Interest Rates and Depository Balances

23:57 Changes in the Application Process

24:27 Debt-to-Income Ratios and Housing Costs

25:37 Texas Housing Market Trends

28:03 Physician Loan Benefits and Rates

31:24 Student Loans and Debt-to-Income Calculations

34:02 Tips for Prospective Homebuyers

35:52 Challenges and Solutions for Physician Loans

38:10 Advice for New Physicians on Home Buying

45:23 Concluding Thoughts and Final Advice

Please email questions or show ideas to info@physiciansrs.com.

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This Patient Physician podcast features Dr. Trevor Cabrera, known as 'The Nomadic Pediatrician.' Dr. Cabrera shares his unique journey from medical school to becoming a locum tenens physician, eventually pursuing a neonatal-perinatal medicine fellowship. Touching on themes of culinary medicine, honing communication, taking gap years, and the value of experiencing discomfort for personal growth, Dr. Cabrera provides a fresh perspective on finding depth through travel and cultural exploration. We also explore how Trevor paid off $350k+ in student loans in three years to achieve financial freedom and medical autonomy. Don't miss this enriching conversation filled with wisdom, storytelling, and practical advice for young physicians contemplating their career paths.

MEET OUR GUEST: Dr. Trevor Cabrera - The Nomadic Pediatrician

Born and raised in Roseville, California, he earned his Bachelor of Science degree (with a Minor in Health Care and Social Issues) from the University of California, San Diego. Driven by a love for languages and global exploration, he moved to Florence, Italy after college to earn his Certification in Teaching English as a Foreign Language.

Trevor attended Tulane University School of Medicine in New Orleans, where he earned his MD and cultivated a strong interest in Culinary Medicine—an emerging field focused on using food and nutrition as tools for improving health. He went on to complete his residency in General Pediatrics at the University of Texas Health Science Center at Houston, where he was drawn to the high-stakes, emotionally complex environments of Pediatric Oncology, the Pediatric ICU, Emergency Medicine, and Neonatology.

Unsure of which subspecialty to pursue, and eager to grow both personally and professionally, Trevor chose to work as a full-time Locum Tenens physician—a traveling doctor who steps into temporary roles across a variety of healthcare settings. This lifestyle allowed him to deepen his medical skills while exploring diverse approaches to pediatric care across the U.S.

In 2023, Trevor returned to formal training to pursue a Neonatal-Perinatal Medicine Fellowship, reaffirming his commitment to one of the most critical and rewarding fields within pediatrics. Through his ongoing journey, he shares insights and experiences on his blog as The Nomadic Pediatrician, blending storytelling, clinical wisdom, and a global perspective on modern medicine.

TIME STAMPS:

00:00 Welcome to The Patient Physician

00:34 Introducing Dr. Trevor Cabrera

01:07 Dr. Cabrera's Background and Education

01:39 Journey into Medicine and Culinary Medicine

02:35 Experiences in Medical School and Residency

03:19 The Nomadic Pediatrician and Personal Insights

04:35 Inspiration and Family Influence

08:51 Medical Training and Specializations

18:44 Culinary Medicine and Its Impact

30:33 Freedom in Medicine and Avoiding Burnout

36:11 Choosing Neonatology: A Personal Journey

36:48 Breaking Free from the Matrix: A New Perspective

37:22 Navigating the Challenges of COVID-19

39:02 The Struggles and Triumphs of Locum Tenens

42:27 Finding Inspiration in Shawshank Redemption

43:55 The Importance of Storytelling in Medicine

55:07 The Journey to Financial Freedom

58:40 The Decision to Pursue Fellowship

01:03:22 The Role of Communication in Neonatology

01:03:51 Advice for Young Physicians

01:07:31 The Meaning of The Patient Physician

01:10:01 Final Thoughts and Farewell

Please email questions or show ideas to info@physiciansrs.com.

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