Coverage That Aligns With Every Step of Your Career
Whether you’re in training, just starting out, or leading a successful practice — your financial protection should reflect where you are and where you're headed. We help you secure disability coverage that fits each stage of your journey, with strategic discounts, flexible limits, and future-focused features.
Medical & Dental Residents / Fellows
Deep in training, long hours, high potential — but little time.
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Lock in true own-occupation disability insurance while you're young and healthy
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Access deep, unadvertised discounts exclusive to training hospitals and programs
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No need to prove income — base coverage available without financials
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Future increase options protect your earning potential as income grows
Dental Students
Building your foundation. Graduation is around the corner.
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$1,000–$2,500/month in base coverage available with no medical exams or financial underwriting
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Option to lock in discounts before graduating
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Future increase riders let you scale coverage without reapplying
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Personalized guidance to align your plan with residency or private practice goals
New in Practice
Launching your career — possibly with loans, buying in, or starting a practice.
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Special limits for early-career professionals (up to $7,500/month without income verification)
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Options to carry over training discounts
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Help navigating group vs. individual policies
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Future-proofing for income growth, ownership, or business ventures
Established in Practice (Business Owners or Employees)
Running a practice, managing a team — or fully focused as an associate or specialist.
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Full customization of high-limit coverage based on income and specialty
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Coordination with group policies to fill gaps and avoid overpayment
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Business protection: overhead insurance, buy-sell funding, key person coverage
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Tax-efficient structuring and layered coverage strategies
Types of Insurance
Disabiltiy Insurance
True own-occupation disability insurance provides coverage that truly protects your ability to work in your specific profession. This is critical for high-income professionals who rely on specialized skill sets—ensuring that they don’t suffer a significant financial loss in the event of an injury or illness that prevents them from performing their primary job duties.
Life Insurance
Doctors, dentists, and other high-income professionals often rely on life insurance to protect their families and ensure their financial legacy in the event of an untimely death. With greater earnings come more significant financial responsibilities—like mortgage payments, student loans, and business obligations—making comprehensive life insurance crucial for lasting peace of mind.
Business Overhead Expense (BOE)
Business overhead insurance helps cover ongoing expenses—such as rent, staff salaries, and utilities—when a professional is temporarily unable to work due to disability or illness. By ensuring that daily operations continue uninterrupted, it preserves both the financial health of the practice and the professional’s reputation among patients and clients.
Malpractice Insurance
Physicians and dentists face unique professional liabilities due to the nature of their clinical work, where even minor oversights can lead to significant patient harm. Malpractice insurance safeguards them against the financial and legal consequences of lawsuits—covering legal fees, settlement costs, and potential judgments. We work with our partners to find you your best options
OUR PROCESS
Request a Quote
Fill out a quick form or give us a call so we can understand your unique needs.
Explore Your Options
As impartial brokers, we’ll compare plans from multiple top carriers and present you with coverage choices that truly fit your situation.
Get Protected
Pick the policy that meets your goals and secure your coverage—enjoying the peace of mind that comes with being properly insured.
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