❓Do you want to protect your income in your Own Occupation and medical specialty?
❓Would you like to get coverage at rates that are discounted for residents?
❓Would you like to start now with an affordable policy and have it grow with you throughout your career without having to answer more medical questions?
Guardian's policy was Built for Physicians.
Fill out the form below to see your Instant Quote!
👉 Guardian offers residents and fellows special programs to help them protect their income, and do so affordably!
You may be able to:
✅ Get an Enhanced True Own Occupation disability policy that protects your income in your medical specialty.
✅ Take advantage of discounted rates and graded premiums that could help reduce your initial monthly premium to as low as $75.
✅ Get up to $8,000/month of coverage while you're in training and then increase up to $30,000/month as your career progresses without additional medical questions.
Some of the strongest, most flexible protection a physician can get — this is not available anywhere else in the industry!
Our enhanced definition starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, it provides a physician with the flexibility to be gainfully employed, in some instances even in their own practice, and still receive total disability benefits. Then we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on the source of your earnings and provides more ways to qualify for total disability benefits.
We’ll consider you totally disabled if more than 50% of your income is from:
If you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, we will deem that specialty to be your occupation. If you don’t qualify for benefits under the source-of-earnings formula above, then we’ll look at your key duties, including those you were performing in your medical specialty at the time your disability began, to assess whether you qualify.
💥 INCREASE YOUR COVERAGE AFTER TRAINING
As your income increases after graduation, you have the ability to increase your coverage up to $30,000/month. This is done without having to answer any more medical questions, so any changes in your health since you purchased your original policy will not be a factor. This is why it's important to lock in your coveage now while you're in training and secure your ability to increase benefits throughout your career.
💥 YOUR CHOICE OF PREMIUM STRUCTURES TO MAKE COVERAGE AFFORDABLE
When you buy your disability policy, you have the option of a graded or a level premium structure. While the level premium locks in your rate at your current age, most of our clients in training purchase their disability insurance with a graded premium. Although the graded premium increases over time, we have found that most residents and fellows appreciate the lower initial cost. This affrords them the ability to get their coverage while they are in training, and still healthy, and locks in their ability to increase their benefits throughout their career. Once they graduate, and income has increased, they often chose to convert their graded premium to a level premium and then lock in their cost at that time.
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. While many premiums start around $75/month, this will depend on factors such as age, medical specialty, and the amount of coverage you buy. Your premiums may be higher or lower.
7622864.1 Exp: 2/28/27