Guardian Professional Disability Insurance.
-Guaranteed Issue Disability Insurance with Permanent Discounts of up to 30% - No Medical Questions Asked!
BENEFITS TO GUARANTEED ISSUE DISABILITY INSURANCE
In addition to pre-existing medical conditions, Special GSI policies can be issued without consideration of potentially dangerous avocational activities such as rock climbing, motor sports, scuba diving, skydiving, and martial arts.
Height and Weight (build) are not taken into consideration.
Optional Catastrophic Disability Benefits (CAT) and Student Loan Riders (SLR) are available.
This unique benefit is available to individuals who have not been declined or given a modified offer of individual disability insurance through a carrier other than Guardian more than nine months after their hire date or in the past five years, whichever is shorter.
GSI
GSI (Guaranteed Standard Issue) Disability Insurance for Residents and Fellows:
We are your destination for guidance in securing "own occupation" disability insurance specifically tailored for physicians. We recognize the importance of early planning in ensuring financial stability because we know that good decisions compound over time like interest. Protecting yourself when you’re young and healthy is just about the smartest thing you can do!
You don’t buy life and disability insurance with your dollars: you maintain coverage of your life and disability policies by paying your premium dollars, yes. But you buy your life insurance and your disability rate of insurance with your good health!
When you request a quote with us, you're gaining access to a level of experience that caters to various medical specialties, including internists, emergency room physicians, anesthesiologists, cardiologists, obstetricians, and orthopedic surgeons. You may be able to benefit from exclusive employer-sponsored discounts averaging 30%!
Embark on a plan with us, and rest assured that your policy and premium, are guaranteed until age 65 and 67. This guarantee shields you from potential rate hikes, contract modifications, or policy cancellations for any reason, including disability. Moreover, with an increase in income, utilizing either an FIO (Future Increase Option) or benefit purchase rider, you’ve locked in the ability to increase your coverage in the future to offset increases in cost of living and inflation.
Customize your coverage with options such as non-cancelable and guaranteed renewable policies, an "own-occupation" specialty-specific definition of disability, and a range of total and partial/residual disability benefits. Explore benefit period options that align with your specific needs.
Our array of riders, including the Future Increase Option (FIO), Optional Cost of Living Protection (COLA), Optional Retirement Plan Protection (RPP), Optional Student Loan Repayment Protection(SLR), and Optional Catastrophic Disability Benefit (CDB), cater to your diverse financial needs and preferences.
Click on the link to your prospective school or CALL (201) 843-7700 x263 for assistance.
We have extensive access to all the GSI programs!
WHY APPLY WITH GUARDIAN FIRST?
Should you apply with another company before Guardian, it could prevent you from being eligible for Guardian's Guaranteed Standard Issue (GSI) offer. Obtaining personal disability insurance without a pre-existing condition exclusion or rating is difficult without a GSI offer. Should you apply with another company first, and that application results in an exclusion rider, extra rating, or decline, you would not be eligible for the Guardian GSI offer. Applying with another company when you know a GSI offer exists is gambling with your financial future. It is never a good idea.
Guardian requires you to apply with them first to ensure they do not become the company only getting people with serious medical conditions, while other companies get people in perfect health who may be less likely to go on claim. GSI offers only work long-term when an insurance company gets the majority of the business from that hospital. They know there is a good chance they will pay some claims, so they need the law of large numbers to make it profitable.