Meet the Team
Chuck Krugh
Chief Executive Officer
Chuck is the founder of Doctor Disability which he started in 1998. During college Chuck accepted an internship at a major insurance company. He didn’t know it at the time, but he had found his calling – to provide the same financial security and peace of mind to doctors as his dad’s insurance agent did for him and his family when he was a young boy.
He’s an avid beach volleyball player, and loves going to a certain local Mexican restaurant at least 2 times per week. Chuck and his wife, Michelle, have 4 children.
William Ball
Senior Insurance Advisor
William has over 25 years of marketing, sales and management experience and has been a licensed insurance agent since 2015.
William (nicknamed “Chip” as a child) has lived in Southern California since 1991, and is married to Quay who he met when his sister set him up on a surprise blind date. They entered a one-year long-distance courtship after their second date and had their first kiss on their wedding day 365 days later in 2005. Each has 3 children of their own and now are a happy blended family.
Beth Aroz
Senior Insurance Advisor
Beth is a licensed insurance agent, and believe it or not, she actually finds this insurance stuff fun! She believes that each client is unique and is passionate about customizing a plan that best fits their needs.
She is a southern California native and enjoys spending time going on adventures with her young daughter and fiancé. Sometimes she also brings along the pups, Jack and Mr. Fox. In her “spare time” (not much with a toddler!) she finds joy in creative outlets, most recently adding food carving to her list.
Kristen Wright
Underwriting Coordinator
Kristen is our underwriting guru here at Doctor Disability. She will walk you through the underwriting process as well as act as your own personal advocate! She has two huskies, Piper and Cooper, and loves to travel. Kristen is also big into football and is a huge Philadelphia Eagles fan.
Ready to protect your future?
who found disability insurance coverage.