During our quote request process, our team works hard searching for affiliation, unisex, and specific training rates for you to help you get the best offer possible.

We know how it feels to get ripped off, and we know that your time is valuable. That’s why we’ve helped thousands of doctors get the financial protection they need in a fast and simple way. We’re able to do that because we’re an independent broker, which means that we can get you quotes from different companies that will help you be confident you’re getting the perfect policy for you.

In most cases, it takes between 1-3 months from start to finish!

If you would like to, you can increase it! Once you receive a signed contract, get in touch with us. Your monthly benefit and premium will depend on your new income, age, and state you’ll be practicing. The process is simple and will not require you to undergo underwriting all over again.

We’ve developed a simple plan that allows you to relax while we do the heavy lifting. The first step is simply to request your quotes. The second is to compare the policy options that we put together for you and get answers to any questions you have. And the third is to apply and buy risk-free.

Underwriting starts as soon as your application is in. The insurance company verifies information and we gather additional details such as health, travel, and personal history to determine the best rate possible.

The cost of disability insurance depends on several factors, including:

• your age and health
• your medical specialty
• the monthly benefit you choose
• policy features (like riders and benefit length)

In general, physicians often spend 1–3% of their income on disability coverage. A higher monthly benefit or shorter waiting period will increase the premium.

If you choose a non-cancelable policy, the insurance company cannot raise your premium as long as the policy is active and you keep the same coverage.

Your premium will only increase if you choose to increase your coverage amount.

Yes. If you increase your monthly benefit (for example, when your income rises), your premium will increase proportionally to the new coverage level.

However, the original portion of your coverage keeps its original pricing.

Most physicians aim to replace 60–70% of their income with disability insurance. The right amount depends on:

• your current salary
• student loans
• living expenses
• whether you have other coverage

An advisor can help determine the appropriate monthly benefit.

Yes. Many policies include a Future Increase Option (FIO) rider that allows you to increase your coverage as your income grows.

This additional coverage means you can start with a smaller policy during training and expand coverage later when you become an attending.

If your policy includes a Future Increase Option, you can typically increase coverage without new medical underwriting.

You usually only need to verify your increased income.

With a Future Increase Option rider, increases can usually occur when:

• Your income rises
• You complete the training
• You reach specific policy milestones

Your advisor can guide you through these windows.

“Own-occupation” disability insurance means you receive benefits if you cannot perform your specific medical specialty, even if you could work in another job.

For example, a surgeon who can no longer operate could still receive benefits even if they teach or work in another field.

The elimination period is the amount of time you must wait after becoming disabled before benefits begin.

Common options are:

• 60 days
• 90 days
• 180 days

A longer elimination period usually results in a lower monthly premium, but it means waiting longer before payments start.

The benefit period is the length of time your policy will pay benefits once you qualify for disability.

Common options include:

• 5 years
• 10 years
• to age 65 or 67

Many employers offer group disability coverage, but it often:

• covers only a percentage of income
• uses “any occupation” definitions
• may not follow you if you change jobs

Many physicians choose an individual policy to supplement employer coverage.

No. Each insurer has different guidelines for physician disability insurance coverage.

Being declined by one carrier does not automatically mean other companies will decline you.

Yes. Disability insurance typically covers:

• injuries
• illnesses
• chronic medical conditions

The key requirement is that the condition prevents you from performing your occupation as defined by the policy.

Benefits begin after your elimination period ends and your claim is approved.

For example:

• Injury occurs
• 90-day elimination period
• Benefits start after that waiting period.

If you have a true own-occupation policy, you may still receive benefits even if you choose to work in a different field.

Policies vary, so reviewing the contract details is important.

Most advisors recommend purchasing disability insurance during medical school, residency, or fellowship, because:

• Premiums are lower when you’re younger
• You can lock in coverage before health issues arise
• You can increase coverage later as income grows

Starting coverage early allows residents to:

• lock in insurability
• secure strong policy features
• Add coverage later using increase options

This approach protects future earning potential while keeping costs manageable early in your career.