In Part 2 of this conversation on The Spirited Agent, we continue our discussion with Mike Hegwood from AMA Insurance and shift the focus to one of the most important financial decisions physicians make: when and how to purchase life and disability insurance.

Physicians face unique financial risks and career timelines, which makes timing and structure of insurance coverage especially important. In this episode, we break down how doctors should think about protecting their income and families throughout different stages of their careers.

In this episode we discuss:

• When physicians should consider purchasing life and disability insurance
• Key career stages where coverage becomes critical
• Common mistakes physicians make when buying insurance
• How working with a trusted advisor can help physicians make better long-term decisions
• How AMA Insurance and MBG help physicians navigate these choices

Whether you’re a medical student, resident, early-career physician, or established doctor, understanding when to secure the right coverage can make a significant difference in your financial protection.

🎙 Guest: Mike Hegwood – AMA Insurance
🥃 Drink of the Day: E.H. Taylor Single Barrel

👉 If you missed it, Part 1 of this conversation covers the AMA–MBG partnership, purpose-built physician insurance products, and why education is critical when choosing coverage.

In Part 1 of this two-part episode of The Spirited Agent, we sit down with Mike Hegwood of AMA Insurance to discuss the evolving physician insurance landscape and the unique partnership between the American Medical Association’s insurance agency and Millennium Brokerage Group (MBG).

AMA Insurance develops purpose-built insurance solutions designed specifically for physicians. But when those proprietary products aren’t the perfect fit, MBG steps in as a brokerage partner to help physicians explore additional options in the broader marketplace.

In this conversation, we break down:

• The value AMA Insurance brings to physicians
• How AMA and MBG work together to better serve doctors
• Why insurance education is critical for physicians
• How doctors can find the right insurance products and trusted advisors
• What physicians should look for when evaluating their insurance strategy

This episode goes deep into how the AMA–MBG relationship helps physicians access both specialized products and independent guidance to ensure they get the coverage that truly fits their needs.

🎙 Guest: Mike Hegwood – AMA Insurance
🥃 Drink of the Day: E.H. Taylor Single Barrel

👉 Part 2 of this conversation focuses on when physicians should purchase life and disability insurance and how to approach those decisions strategically.

🥃 Drink of the Day: Four Roses Single Barrel, Barrel Strength – OESO

In this episode of The Spirited Agent, Jason and Matt raise a glass of the bold and complex Four Roses Single Barrel, Barrel Strength (OESO), a high-proof pour packed with spice and depth and explore a topic that’s just as powerful (but often overlooked): disability insurance.

We dig into:

• Why protecting your income is foundational to protecting everything else—your savings, your lifestyle, your long-term goals
• What makes someone a great candidate for DI (spoiler: it’s more people than you think)
• The most common myths and mental roadblocks clients have around DI and how to gently reframe them
• How to position disability coverage as a core component of a financial strategy, not an afterthought
• Real stories that illustrate just how quickly an injury or illness can derail even the best-laid plans

If your paycheck fuels your life, protecting it should be non-negotiable. This episode is a must-listen for advisors and agents who want to bring real value, and real protection, to their clients.

Pour something strong and join us.