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Insurance Planning & Risk Management For Healthcare Providers

Secure a Better Future for You and Yours!

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Prime Financial Service - With You All The Way!

Physicians have a lot on their plate. Between caring for patients, managing their personal lives, and staying up-to-date with medical advancements, managing their finances often falls to the bottom of their list.
We provide customized asset and wealth management services, giving you financial freedom  so that you can focus on what matters most – your patients!

 

Confidence for You, Security for Your Family

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Maximizing Value, Minimizing Risk with the Right Coverage for You!

We adopt a comprehensive approach to safeguard your life and assets. Our seasoned financial advisors assist you with;

Informed Decisions

Committed to your future, our team guides you through comprehensive insurance choices, ensuring you're well-informed and confident in your decisions.

Risk Management

We understand life's unpredictability. By understanding your unique circumstances, we craft strategies aligned with your lifestyle, preparing you for unforeseen events.

Personalized Advice

Your financial landscape and lifestyle are unique. We delve deep to understand both, ensuring we recommend the most fitting insurance options and coverage plans for you.

To protect what you have, and to keep what you earn, let us help you create a plan that gives you peace of mind and security for the future!

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Why You Need Specialized Coverage

Medical Malpractice Risks

Small mistakes in healthcare can lead to big legal problems. Specialized coverage helps protect against this.

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Personal Liabilities

Healthcare jobs come with high risks. This makes doctors and nurses more likely to face legal troubles outside their work.

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Asset Protection

The medical world is full of surprises. It's important to protect your money and future income from unexpected events.

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Comprehensive Life Protection

Life is unpredictable, more so in healthcare. It's key to have a safety net for your family and loved ones.

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Tailored to Your Needs

Every job in healthcare has its own set of challenges. It's essential to have insurance that understands and covers these specific risks.

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Protect, Preserve, and Perpetuate your life with PRIME Financial Services

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What Our Clients Are Saying

Emergency Physician, CA

“I have been with PRIME since my residency, and first met them at their seminar. I was surprised that they were even better in person than they were during the presentation. This was not usually true with all the vendors we had come to the hospital. With that said, they’ve always been there for me from the beginning. Now I have a family, a crazy shift schedule, and a busy life and we are very happy that we have this relationship”. -

Executive Technology Consultant, NJ

“Howard, Jason, and the PRIME team are always honest and very quick to respond. Whenever I’ve needed them to help with something, big or small I always feel comfort that they are there”.

-Pediatrician, CT

“Prime is always very comforting and detailed with my financial planning. Whether it’s guidance with my tax planning, or laying out a financial path, they are always listening and building our wishes. They have helped me build a successful practice while also supporting our own individual financial goals for over 15 years”.

-Medical Director, NY

individual financial goals for over 15 years”. -Pediatrician, CT “Jason is always ready and willing to help with some very useful advice. The team always finds a way to ease my concerns in a quick manner. My husband and I like to interact quite a bit with them, and they always respond quickly. While I am sure that Jason is very busy, he and the team always make us feel like they have all the time in the world just for us”.

Other Services We offer

Debt Planning

Debt Planning

We’ll help you tackle the root problems of your debt by analyzing all aspects of your financial situation. We’ll craft a debt management plan with a repayment strategy that fits with your other long-term goals and improves your credit score.

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Insurance Services

Insurance Services

As a doctor, you deserve the best protection! Let us help you with our specialized insurance plans that cover all three types of risks: Life, Disability, and Long-Term Care.

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Retirement Services

Retirement Services

PRIME simplifies retirement planning for doctors with customized guidance and real-time tracking to ensure your plan aligns with your financial goals. We can help you answer that ever-so-present question: “How much do I need?”

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Investment Planning

Investment Planning

Investing isn’t always about how much you have in your account. It should be about having the money available when you need it. We help physicians invest by building personalized investment programs based on their time horizon, risk tolerance, tax situation, and preferences.

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Tax Planning

Tax Planning

For more than 65 years, PRIME has provided tax planning services to physicians. We understand your unique needs as a resident, fellow, hospital administrator, or private practice owner.
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FAQ's

When it comes to life insurance for physicians, there are several important considerations. First, they should consider whether they have dependents–a spouse or partner, children–and whether they want to guarantee that their dependents will be financially protected in the event of their death and the absence of their support.
Private practitioners must purchase their own life insurance. Doctors employed by a health system, health plan, hospital, or hospital-owned practice may have an opportunity to secure employer-sponsored life insurance. But if their employer-sponsored plans aren’t adequate for their needs, they should consider supplementing them with another policy.
The amount of life insurance for physicians depends on several factors, including age and health status. A physician with dependents will need more coverage than one without a spouse or children.
When it comes to health insurance for physicians, many policies offer inadequate coverage. If you want your family to be protected financially in case of an untimely death, it’s important to check exactly how much they will receive and how long it will last. If you switch employers or change jobs, any protection offered by your current employer may not transfer over to you.
Disability insurance is designed to provide income during periods of injury or illness that prevent the insured from working. For any Disability Insurance For Physicians, the coverage is typically limited to the work injury. Most disabilities are a result of illness or injury away from the work environment, where this would not cover expenses.
The short answer is yes. It is important to have a plan in place for this potential liability. Extended long-term care costs can have a profoundly negative impact on your retirement nest egg. Every situation is different, and we can help build a plan based on your specific circumstances.
As a small business owner, you have more than just yourself to worry about when it comes to insurance. You need protection for your employees and your loved ones. If you are self-employed, we can help design coverage that provides the protection you need through individual plans. We offer a wide range of Physicians Insurance Services that can help protect your family and business against unexpected expenses.

Your Financial Guide for Medical Residency

Resident Toolkit,” you’ll find essential strategies for managing finances during residency and beyond, including budgeting, savings, debt management, taxes, and investments.

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Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 600 Dresher Rd., Horsham, PA 19044, USA. 800-873-7637, www.htk.com, Prime Financial Services not affiliated with HTK. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.

Our representatives are licensed to offer insurance and security products in our resident state of CT, in addition to many other states. For additional licensing information please contact our office. This is not an offer or solicitation of products and/or services in states where not properly licensed and/or registered.