Finding the best physician disability insurance means selecting a policy with strong own-occupation coverage, financial stability, and flexible features. Companies like Guardian, Principal, MassMutual, and Ameritas are consistently rated highly for physicians. The best policies offer guaranteed renewability, residual benefits, and inflation protection. Look for coverage that allows future income increases without medical requalification. Comparing quotes, definitions of disability, and exclusions is key. Your medical specialty, income, and career stage will influence which insurer and plan is right for you. Working with a broker experienced in physician insurance can help tailor the best solution to your needs.