Physicians Life Insurance

I grew up with many wonderful friends in a small town.  Almost all of my best friends went on to become physicians.  I remember visiting many of them at medical school, and going to after hours anatomy study, realizing many of the cadavers were given to science.  Some were unbelievably young, and I realized then, that you have a short walk on this earth and you may as well try to help as many people as you can.
That is why I have constructed Physician Life Insurance to benefit an underserved segment of our society.  Going to medical school is good for learning medicine, but it is not good for learning how to run a business or plan for a financial future.  Investing with Life Insurance for Physicians has very distinct advantages for this group based on the following.
Based on the Federal Tax Code, many physicians make more than the Federal Phase Out for contributing to a Roth IRA.  Their income is more than the 160,000/yr which is the allowable limit and therefore have no option available to them which is tax free when they pull the money out.  Even if they don't make 160,000/yr, their income is too high to absorb the full annual deposit allowable of a Roth IRA, thereby limiting a meaningful accrual over their lifetime.
Physicians are specialists, and are dedicated to their profession.  Oftentimes, that requires 12-18 hour days, and no extra time for financial or retirement planning.
Physicians oftentimes can be taken advantage of by the next get rich quick scheme, recommended by someone they know and trust.  Over night riches go marching down the road into non existence.  They can write the "loss" off of their taxes., because their income is high enough.  Poof, money gone forever!     
The actual need for Physicians to have Life Insurance is incredible.  First, they need to protect a large income for their families.  That would not be easily replacable.  Afterall, it took 20-24 years of education to be in a place to generate that type of income.
Many physicians have a lot of debt that they accrued for their education.  A lot of debt!  And what about the expenses of starting a new practice or buying an existing one?  Medical Insurance Premiums?
Physicians actually have one of the shorter life expectancies of any group, so years to work and accrue are limited.
Many options for retirement savings that are available for physicians, all follow the Traditional Taxable status.  Most plans limit the amount that can be saved annually, so this limits the actual amount that can accrue over a career.  It oftentimes is not enough for income any where near the amount they earned while working.
With the huge tax bill that physicians face each year, it is easy to get sucked into what deductions are available to them.  By not evaluating what the ramifications are actually going to be when they take dispursements is a shortcoming that never gets addressed by any counsel they are associated with.
A tax rate of 50% on those dispursements is not going to be unheard of.  So you have to save twice the amount to share with the government?
As far as the most superior investment available to Physicians, we are left with the best one!  Life Insurance!  It is by far the most beneficial retirement planning vehicle available for Physicians.http://www.401klifeinsurance.com/physician_life_insurance.html