✅ True own‑occupation coverage—even if you change specialties or leave clinical practice
✅ No medical exam or health questions—just guaranteed issue while you’re still in training
✅ Locked-in discounts that stay with you for the life of the policy
✅ Increase your monthly benefit—up to $15,000—regardless of your health
🕒 Most programs require you to apply before or within 90 days of graduation—don’t wait until it’s too late.
⭐ Trusted by physicians at more than 120 training programs across the country
Who is eligible?
Residents and fellows at 120+ qualifying hospitals.
Any medical exam required?
No. This is Guardian’s Guaranteed Standard Issue program—no health questions or exams necessary.
What is the policy type?
Guardian’s Provider Choice policy offers an enhanced own‑occupation definition for physicians.
What happens after submission?
Your quote appears instantly, and we follow up personally—no pressure, no cost.
Approaching graduation?
Apply while still in training or within 90 days after graduation to secure eligibility.
Can I apply with another insurance company first?
No—if you apply for medically underwritten disability coverage with another carrier before using Guardian’s GSI option, you will be permanently ineligible for GSI. Always secure your Guardian GSI policy first if you’re eligible.
How much does this cost, and are discounts included?
Guardian offers GSI discounts of up to 30%, and many physicians in training see premiums starting between $50 and $75 per month. These discounts are locked in for the life of the policy—even after graduation.
Don’t see your school listed? Email me or text me at (301) 970‑4616 and I’ll check if we have a GSI program at your institution.
📞 Have questions? I personally review every quote request. Reach out anytime.
— Bill Olmsted, Guardian Disability Specialist
If you require additional information or would like to discuss your options in detail, feel free to call (And rest assured, we will never sell your personal info.)
Bill Olmsted
Bill is a Registered Representative of Park Avenue Securities and a Financial Representative of Guardian. Guardian is an independent company. No Medical Questions for eligible applicants.
8225680.1 Exp: 4/30/27