Frequently Asked Questions

No, the only thing you will ever pay is a premium to the insurance company itself.

We are an independent agency, meaning that we do not have an affiliation with any one company. We are looking out for your best interests as we don’t have to meet any requirements to do business with any specific company. We actually get a finders fee from these insurance companies and they are all the same, so we don’t have any financial conflict of interest either.

Yes! If you want to make modifications to your application, just email your relationship manager at Pattern. Nothing is final until you sign your policy.

This is based on your age, health, income, personal history, and state you practice. Once all these details are gathered, the insurance company runs an algorithm with your information to finalize a premium.

We know that financial and legal products are complicated, and it takes too much time to research them all and to get pricing from a bunch of different companies. At Pattern we do all the work for you and give you all of your options at once, so you can be sure you understand what you’re buying and that you’re getting the right policy without wasting your time. We know you’ve got better things to do.

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.