No medical exam. No health questions. Guardian own‑occupation coverage exclusively for eligible residents and fellows.

✅ 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.

Get a Disability Insurance quote in seconds.

It's that simple.

Are You A Medical/Dental Student, Resident, or Fellow?
Are You Finished Training Within 12 Months?

What Happens After You Submit?

  • ✅ Get your quote immediately displayed.
  • ✅ We reach out (usually same day) to confirm your hospital, eligibility, and next steps.
  • ✅ You’re under no obligation—this is just an estimate.

Why Physicians Prefer This Disability Plan

  • ✔️ Industry-leading own-occupation definition tailored for doctors
  • ✔️ Guaranteed Standard Issue (GSI): no medical exam or health questions
  • ✔️ Locked-in GSI discounts that remain for the life of the policy
  • ✔️ Future Increase Option up to $15,000/month without reapplying
  • ✔️ Paperless application—fast and reliable

⭐ Trusted by physicians at residency and fellowship programs nationwide

Frequently Asked Questions

Who is eligible?
Residents and fellows at qualifying hospitals that participate in a Guardian GSI program. If you’re unsure whether your institution has GSI available, submit your quote and we’ll confirm for you.

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.

Not Sure If Your Program Has a Guardian GSI Option?

If you don’t see clear information about a Guardian GSI program at your hospital, that doesn’t mean you’re ineligible. Submit your instant quote and then:

I’ll verify whether your institution has a GSI program, a discounted underwritten option, or a fully underwritten path—and we’ll make sure you’re using the strongest option available.

📞 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

(301) 970-4616 | bolmsted@disabilityquotes.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. No Medical Questions for eligible applicants.

8225680.1 Exp: 4/30/27