Disability Insurance

bonedoc gives good advice.

Be very careful about the "own occcupation" clause...Northwest mutual says they give "own occupation" but it's not truly that if you read the fine print. They only give 'own occupation' for 2 years after disability, after that, they give a certain percentage of your current salary (say you give lectures instead of operate).

As far as I know, Guardian is the only one that gives you a TRUE "own occupation" policy for the life of the policy.

I looked at Guardian too.
the company I have my policy with is Berkshire, who also have a true lifetime own occupation policy.
They also have several riders you can add, like lifetime benefits if you become disabled before age 45 (hence, before you have time to amass any retirement savings since monst plans only pay until age 65 or so without this rider).
another option is a cost of living rider, b/c 10,000/mo now wont be so hot in 25 years. This lets your benefits increase a little each year to keep up with inflation.

Berkshire is a subsidiary of Guardian. My policies are through these companies as well.

I second the cost of living rider.