Yes, we are independent and do not work for any insurance company. We have been in business since 2007 and offer disability policies from Guardian, Mass Mutual, Principal, Ameritas, Standard, Assurity, Illinois Mutual.

No, we do not. We only get paid by the insurance company when you purchase a policy

No, it will not cost less. None of the major disability insurance companies sell policies directly. You must use a broker/agent.

YES, we have discount for every occupation and we look for any discounts available, to find you the best price. Discounts could range from 5% to 45%. It will depend on multiple factor such as age, gender, occupation, employer, state of residence, etc.

From the time of application, it could take anywhere from 5 days to 4 weeks. It could take longer if labs are required or if the insurance company requires copies of medical records from your doctor. Most carriers will not need labs if you are under age 45 and applying for under $10,000 per month in benefits; however, you will still have to answer medical questions and they will do some background checks such as reviewing your pharmacy records and driving history from the DMV.

Once we’ve worked together to select the right carrier, we would complete an application – all carriers have an eApplication process where we would complete the application followed by a request for you to eSign the application. After you’ve eSigned, the application will be underwritten and reviewed by the carrier and they will have you complete a questionnaire, typically online. This covers items like health history, occupational history, and lifestyle items. For some applications, medical labs or financial documentation may be requested by the carrier. If the carrier has any follow up questions, we will work with you to get those questions answered. When the policy has been approved, we’d go over everything one last time and then you’d eSign to accept the policy.

No, the insurance company pays for that.

Yes, however in some cases it might not be necessary for you to buy policies with all those features. It will depend on your occupation and your risk tolerance. This would require a conversation on the phone.

While we do not “own” any specific GSI program; we have relationships with multiple brokers in the Medical Residents/Fellow space and can provide you access to GSI programs if available at your GME/Residency program. If there is a GSI available and we do not have access to it, we will provide you the contact info of the broker you should reach out to.

Yes, we are licensed in all US states.

Yes, we offer disability policies to US Citizens, Green Card (Permanent Residents), H1B, J1, O1 and other visa types. This can vary between the various insurance companies.

No. We do not offer variable products of any kind as we are not investments advisors. We are not licensed to offer securities products in any state.

Yes, we will do a complementary review of your existing coverage. Please reach out via our contact page.