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Actually, you may be a good candidate for a universal life insurance type of product.

I suggest you visit Insurance board which contains multiple threads discussing UL-VUL products. Especially, you should review this post: http://boards.fool.com/Message.asp?mid=15015882. It compares Roth IRA with a UL-VUL.

Universal life has a lot of tax protection features that you desire and being a doctor with a (potentially) very high income in the late years of your career may also make it very beneficial.

Typically, these policies are not for everyone. But you just may be the right person.

Good luck!

Vlad
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