Next Step: Run Your GSI Quote

✅ 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.

Guardian is an independent company. Guardian is not an official vendor, associated with, authorized, sponsored or endorsed by your GME. 

Get a Disability Insurance quote in seconds.

It's that simple.

If you’d prefer to talk to someone, we welcome your call at (301) 970-4616 during regular business hours. (And rest assured, we will never sell your personal info.)

Are You A Medical/Dental Student, Resident, or Fellow?
Are You Finished Training Within 12 Months?
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GSI DISABILITY INSURANCE - WHAT IS IT?

Gsi Disability Insurance - What Is It?

Everything a resident or fellow needs to know about a guaranteed standard issue disability insurance offer from Guardian in under four minutes.

Guardian Guaranteed Standard Issue (GSI) Policy Highlights

Guaranteed Standard Issue disability insurance is designed specifically for physicians in training and provides protections that are often unavailable through traditional underwriting.

  • No medical exam or health questions for eligible applicants
  • Enhanced True Own-Occupation coverage tailored for physicians
  • Coverage available up to $15,000 per month, depending on training status and income
  • Discounted premiums that typically remain in place for the life of the policy
  • Graded premium options during training, often starting around $50–$75 per month
  • Personally owned coverage that stays with you throughout your career
  • Ability to increase coverage after training without additional medical underwriting

Because GSI does not involve medical underwriting, common health issues that can complicate or prevent approval through traditional disability insurance will not affect your ability to obtain coverage.

Securing a GSI policy while you are eligible helps protect both your insurability and your long-term income protection options.

How We Help Before You Apply

Our role is to help you get to the right decision before you apply. At this point, that includes:

  • ✓ Eligibility confirmed — you’ve already verified that the GSI option applies at your school
  • Understanding coverage and estimated cost — the instant quote tool above shows available benefit amounts and pricing
  • Exploring how different choices affect pricing — adjust coverage amounts, riders, and options in the quote tool to see how changes impact cost

Running a quote does not obligate you to apply — it’s simply a way to understand your options before deciding how to proceed.

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

(301) 970-4616 | bill.olmsted@mdgsi.com
California Insurance License #0D94494
Arkansas Insurance License #3395434

Bill is a Registered Representative of Park Avenue Securities and a Financial Representative of Guardian. Guardian is an independent company and may not be affiliated, sponsored or endorsed by your GME. No Medical Questions for eligible applicants.

8677156.1 Exp: 12/30/27