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The Protected Physician
Income Protection Strategies Built for Medical Professionals
You dedicated years to medical training. What happens to your income if you're unable to practice? Residents, fellows, and attending physicians are among the most underinsured professionals in America — and the most at risk.
Why Physicians Need Income Protection
Your Training Investment Is Enormous
Most physicians graduate with $200,000 or more in student loan debt after years of medical school, residency, and fellowship. A disability without proper coverage could make those obligations impossible to meet.
Group Coverage Is Never Enough
Employer-provided group disability policies typically only cover 60% of your base salary, excluding bonuses, overtime, and practice income. Individual coverage fills that critical gap.
What We Offer
Customized income protection solutions built specifically for medical professionals.
Own Occupation Disability Insurance
The gold standard for physicians. Pays full benefits if you can't perform the duties of your specific medical specialty, even if you could work in another capacity.
Individual Disability Insurance (IDI)
Portable, customizable coverage not tied to any employer or hospital system. Designed around your specific income, specialty, and risk profile.
Guaranteed Standard Issues (GSI)
Residents and fellows can qualify for disability coverage without medical underwriting through GSI programs — locking in coverage before any health issues arise.
Term Life Insurance
Affordable income replacement for your family if the unthinkable happens, especially critical during high debt residency years.
Laddered Life Insurance
Staggered life insurance policies designed to maximize your overall net worth while reducing long term cost as your income grows.
Key Person Coverage
Protect your medical practice from the financial impact of losing a critical physician or partner due to death or disability.
Physicians are Preferred Risks
Here's what that Means for You
Medical professionals are classified as top-tier occupational classes by most major insurance carriers. This means you qualify for:
Lower Premiums
Physicians pay less for the same coverage compared to many other professions due to their favorable risk classification.
Better Policy Terms
Access to non-cancellable, guaranteed renewable policies — meaning your coverage and premiums are locked in for life regardless of health changes.
Own Occ Definition
The most favorable disability definition available — protecting your specific medical specialty, not just your general ability to work.
Top Carrier Access
We work with Ameritas, Guardian, MassMutual, Principal and Standard — the gold standard carriers for physician disability coverage.