Legal Notice and Disclaimer

The materials and information in this site are provided “as is” and without warranties of any kind either expressed or implied. Doctor’s Financial Network, Inc. and its related affiliated and subsidiary companies (Doctor Disability), disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall Doctor’s Financial Network , Inc., Charles I Krugh, personally and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages rising out of the use of the information herein.

Doctor’s Financial Network, Inc. does not guarantee that you will be offered a disability or life insurance policy at the conclusion of your application process. Doctor’s Financial Network, Inc. is not an insurance company but rather acts as an agency for over 20 insurance companies. Charles I Krugh, Doctor’s Financial Network’s President is the agent of record for all applications submitted through the Doctor’s Financial Network, service. Doctor’s Financial Network does not endorse any specific insurer.

Copyright Notes

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Doctor’s Financial Network, Inc. and/or its affiliates, or the insurance companies represented, and may not be copied or distributed, in whole or in part, without the express written consent of Doctor’s Financial Network, Inc. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.


You agree and understand that we may contact you via phone or email to follow up regarding your request for disability or life insurance in order to verify information for the purpose of giving you the most accurate quote possible.

When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by Doctor’s Financial Network and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

Personal Information

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. Doctor’s Financial Network maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All Doctor’s Financial Network employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. As such, in order to provide the high level of service our clients have come to expect, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting Doctor’s Financial Network the permission to evaluate this information, and in it’s sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing disability or life insurance coverage. Such nonpublic personal information is not used for any other purpose.

The underwriting (risk assessment) will not begin until after the completed, hard-copy, signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.

Doctor’s Financial Network herein advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

Product Restrictions

Products are subject to underwriting requirements. Suicide and pre-existing condition limitations apply. Products are not available in all states.

Licenses and Insurance Policy Availability

Agent(s) licensed to sell policies in all states and the District of Columbia.

Alabama A203375 Alaska 33652
Arizona 153110 Arkansas 255688
California 0b12796 Colorado 154816
Connecticut 002096996 Delaware 0170731
Florida E066880 Georgia 650419
Hawaii 312576 Idaho 101773
Illinois 558238xxx Indiana 434054
Iowa 0002596505 Kansas 2596505
Kentucky 568527 Louisiana 300396
Maine PRN95657 Maryland NPI189208
Massachusetts 1779792 Michigan 0311107
Minnesota 20395802 Mississippi 306221
Missouri PR308075 Montana 931624
Nebraska AG301631 Nevada 177156
New Hampshire 0392145 North Dakota 2596505
New Jersey 0350312 New Mexico 118904
New York LA-989047 North Carolina 558238xxx
Ohio 622945 Oklahoma 186849
Oregon 623966 Pennsylvania 398282
Rhode Island 1069397 South Carolina 353572
South Dakota SD-0005272053 Tennessee 0000889471
Texas 1225834 Utah 198518
Vermont 301939 Virginia 558238xxx
Washington 210252 Washington D.C. 2802294
Wisconsin 2426258 West Virginia 420590
Wyoming 67114