I already have disability insurance with my group, why would I need an individual policy?
The contract language in a group disability plan is often not as strong as an individual disability insurance policy, and the group plan may not provide enough coverage to adequately protect your income. Most group disability plans are also not portable, meaning you cannot take the same plan at the same premium and benefit if you leave your group. Everyone’s situation is different, but it’s wise for doctors to have a baseline of individual disability insurance as their primary coverage.

I have a lot of student loan debt, does this help pay for those loans if I become disabled?
Most importantly, disability is designed to replace income which pays debt, so yes. However, there are a couple premier carriers who have riders that pay you an additional amount (over your base disability benefit) designed to help pay down your debt.

I'm young and healthy, why would I need disability right now?
Now is the perfect time to get a disability plan as a young and healthy person. This is the time that your rate will be the lowest and qualification the easiest. If you wait until your health situation changes, you may not be able to qualify for coverage. When applying for disability insurance, pre-existing conditions can affect your ability to qualify.

I'm a resident or medical/dental/vet student. Can I afford a policy right now?
Your team of experts, through experience, fully understands the financial life of residents and students, which is why we have customized plans designed specifically for your situation.

I already have life insurance with my group, why would I need more life insurance?
Your group plan may not provide an adequate amount of coverage for your situation and needs. Most group plans are also not portable, meaning you cannot take the same death benefit and premium with you if you leave your group. Even if you stay with your group until retirement, these plans may not provide protection after retirement. For these reasons, it’s often appropriate to have a combination of individual and group life insurance.