Quickly Compare & Buy Physician Disability Insurance
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Disability insurance is complicated.
Doctors shouldn’t have to take time to sort through a bunch of insurance quotes to find the best policy.
Don’t stress over insurance shopping, let us find the best coverage for you at the most affordable price.
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How It Works
Step 1: Request Your Quotes
Fill out a simple form and we'll gather your personalized quote comparison form.
Step 2: Compare Your Options
Talk with us online to compare and understand what you're buying
Step 3: Secure Your Policy
We will handle boring paperwork so you can get back to what you'd rather be doing.
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Start Your Research With the Beginners Guide to Disability Insurance
Principal
Principals HH750 policy is a true own occupation policy that is fully comprehensive and protective of physicians in the case of an illness or injury that may result in a disability or loss of career.
Principal is one of the Big Five Insurance companies, meaning they are one of the only insurance companies to provide TRUE OWN OCCUPATION disability insurance.
Guardian
Guardian is a great choice for physicians looking to secure their income with disability insurance because they are one of the Big Five Insurance companies, meaning they are one of the only insurance companies to provide TRUE OWN OCCUPATION disability insurance.
As stated above Guardian provides true own occupation, which is the most important thing a medical professional should look at when protecting their income with disability insurance.
The Standard
The Standard is one of the Big Five Insurance companies, meaning they are one of the only insurance companies to provide TRUE OWN OCCUPATION disability insurance.
The Standard is a great option for medical professionals who are looking to secure their income with disability insurance.
The Standards’ Platinum Advantage policy is made into a true own occupation policy with the Own Occupation Rider. This rider makes the Platinum Advantage policy fully comprehensive and protective of physicians in the case of an illness or injury that may result in a disability or loss of career.
Ameritas
As one of the larger insurance companies in the disability insurance field, they are a very trusted company. Ameritas is one of the Big Five Insurance companies meaning their definition of disabled is TRUE OWN OCCUPATION definition which is the only definition that fully covers medical professionals.
As stated above Ameritas provides true own occupation, which is the most important thing a medical professional should look at when protecting their income with disability insurance.
Mass Mutual
Mass Mutual offers two types of disability insurance policies, Radius and Radius Choice. With either option, you are able to customize and add features to your policy to make it personalized and completely comprehensive to meet your needs.
Mass Mutuals' definition of disabled required an additional rider to secure the definition as True Own-Occupation.
Frequently Asked Questions
Can I make changes to my disability insurance or life insurance policy?
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.
How are disability and life insurance rates determined?
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.
How long does it take to get a disability policy in place?
In most cases, it takes between 1-3 months from start to finish!
What’s the process look like?
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.
If I'm a resident or fellow, will I need to increase my benefit amount once my training is done?
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.