Easily Compare and Understand Your Disability Insurance Policies

4 minute read

4 minute read

Option 1: Compare with Each Company

You can provide your information to each of the "Big 5" insurance companies" and request a unique quote.

When a doctor is looking for disability insurance, they should use only the “Big 5” companies that provide true own-occupation coverage.

The “Big 5” insurance companies include:

  • Principal

  • Guardian

  • Mass Mutual

  • Ameritas

  • Standard

When it comes to the “Big 5” companies, each company can have different options and definitions that may suit one individual better than another.

You would need to make sure you are asking for the same riders for each policy so you can get everything apples to apples. Often times the same rider has a unique name at each insurance company. For more information on the “Big 5” and why they are so important, check our Beginners Guide to Disability Insurance for Doctors.

Option 2: Compare All Your Options at Once

Reach out to an independent insurance broker. This is an insurance agent or agency that can offer quotes and policies from all 5 of the insurance companies and only collect your information once.

Most physicians find that with their limited free time, Option 2 is the way to go.

Many independent brokers will be able to show you quotes for all of the companies, not all.

Not all independent brokers are equal, so you want to be sure to choose one that is not attached more closely to one insurance company than the others (making them biased), has the highest level of discounts available, and can help you easily compare and educate you on all of your options.

At Pattern, we have a simple process that makes comparing all your options quick and easy. We understand what it feels like to get ripped off, and we know that your time is valuable. This is why thousands of doctors have trusted us to help them compare and understand the insurance they're buying.

Here's how we do it:

1. Request your quotes.

2. Compare your options.

3. Buy risk-free.

Stop wasting time and feeling overwhelmed, and instead, save money and spend time on the things you love, being confident your family and income are protected.

When you are ready to compare your "Big 5" disability insurance options, we can help. Simply complete your disability insurance quote request.