Safeguard your dental career and financial future
Dentists face unique challenges that make protecting their income and practice essential. Your livelihood depends on performing precise procedures, but injuries, illnesses, or unexpected issues can jeopardize your financial stability.
Our Dental Practice team specializes in securing comprehensive disability insurance tailored to dentists’ needs, ensuring you’re prepared for unforeseen circumstances.
The importance of disability insurance
Dentistry involves specific risks, like repetitive strain injuries from long hours of intricate procedures, exposure to infectious diseases, or mental fatigue from running a practice. These factors highlight the need for financial protection.
Disability insurance acts as a safety net, keeping your life and practice stable if an illness or injury prevents you from working.
How disability insurance protects you
Disability insurance provides comprehensive support to safeguard your career and financial health:
- Replaces Lost Income: If you can’t practice, your policy replaces 50–60% of your income.
- Keeps Your Practice Operational: Coverage helps with overhead expenses like rent, utilities, and staff salaries.
- Supports Personal Financial Responsibilities: Policies can cover student loan repayments or business debt during recovery.
- Preserves Your Future Plans: Avoid using savings or retirement funds with structured benefits designed for dentists.
- With this protection, you can focus on recovery, knowing your financial future is secure.
Key policy features
A disability insurance policy for dentists offers more than basic income replacement, with benefits tailored to your profession:
- Own-Occupation Definition: Ensures benefits if you can’t practice dentistry, even if you work in another field.
- Residual Disability Coverage: Provides partial benefits if you return to work part-time or in a limited capacity.
- Future Increase Options: Allows coverage to grow with your career and income.
- Student Loan Repayment Rider: Supports repayment of educational loans during disability.
- Practice Overhead Expense Rider: Covers operating costs to keep your practice running during recovery.
These features provide flexibility, scalability, and peace of mind throughout your career.
Why Risk Strategies?
Risk Strategies delivers unmatched expertise and custom insurance solutions designed specifically for the dental industry. We understand the unique risk challenges dentists face, and provide coverage that ensures your income, practice, and future are fully protected.
- Decades of dental industry experience:
With 30+ years of focused expertise in dental risk management, we offer a deep understanding of the specific challenges dental professionals encounter daily. - Customized coverage options:
Every plan is designed to fit your needs with tailored insurance solutions, offering protection that suits your goals, instead of relying on generic one-size-fits-all policies. - Proactive loss prevention:
We create cost-effective risk management strategies that focus on minimizing exposures, reducing potential disruptions to your practice, and avoiding unnecessary expenses. All steps that ensure every dollar works for you. - Trusted by dental professionals nationwide:
Our longstanding partnerships with dentists reflect our proven ability to safeguard practices while providing support, knowledge, and peace of mind. - Strong carrier partnerships:
Enjoy access to top-rated insurance companies that will provide the best coverage at competitive rates.
Partnering with Risk Strategies means more than having an insurance broker. It means gaining a dedicated ally in managing the risks that could impact your career or practice.
Schedule a consultation today to explore our tailored solutions built to protect your life’s work, so you can focus on delivering exceptional patient care with confidence.
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Practice Leaders


Dental Practice Leader
Kyle has over 35 years of experience in the insurance industry. The last 25 has been spent working exclusively with dentists of all specialties and dental practices of all sizes. Kyle is recognized in the dental community as an authority on dental practice risk management and malpractice claims prevention. He often speaks to groups of dentists on this subject, has taught the risk management portion of the AGD Master Track program in Dallas, written several articles for Doctor of Dentistry magazine and was a contributing author for the book, “The Practice Launchpad.”


Vice President | Team Lead
Ann received her Bachelor of Science in special education from Penn State University (Go Nittany Lions!) and has her Master of Education in applied behavior analysis from Arizona State University. She has 12 years of professional experience including 3 years in the insurance industry. Her attention to detail, organizational skills, passion for helping others, strong work ethic, and growth mindset are just some of Ann’s qualities that allow her to bring excellence to Wallace Specialty. She is committed to creating a multi-faceted program tailored to her clients’ unique needs that fosters their personal and professional growth.


Vice President | Business Development
Herb has 5 years of experience in the insurance industry. At Wallace Specialty, Herb thrives in the roles that he naturally succeeds in. With the ability to build a career through the activities and conversations that he enjoys having, he can bring excellence by enjoying what he does and being open to growth. With the desire to be one of the most knowledgeable individuals within the industry, he commits that he’ll provide educated and reliable information.
Herb received a bachelor’s degree in Managerial Economics with a Minor in Astronomy from Allegheny College. He played on the Allegheny Men’s Golf team in college. After graduating, Herb went to work for Merrill in a financial advisor program for 1.5 years prior to joining Wallace Specialty.
In his spare time he works with the Dallas Symphony Orchestra’s Young Professional’s group, plays golf, and looks for wine tastings. He’s always looking to build new connections, create stories, and make new friendships.