Disability Insurance for Professionals
Own-occupation disability insurance discounts for high-earning professionals. Get the best price with up to 30% off and protect your income and student loan payments.
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Why Professionals Need Disability Insurance
When you have significant student loans and a high income to protect, disability insurance isn't optional—it's essential.
workers will experience a disability before retirement
of working-age people have no long-term disability insurance
average student loan debt for medical professionals
of disabilities are due to illness, not accidents
Comprehensive Coverage Features
Our disability insurance policies are specifically designed for high-earning professionals with student debt.
Own-Occupation Coverage
Protects your ability to work in your specific profession, not just any job
Up to 30% Discounts
Exclusive group discounts for professionals through our partner network
Medical Professional Focus
Specialized coverage designed for doctors, dentists, and healthcare workers
Expert Guidance
Personal guidance from licensed insurance professionals who understand your needs
Coverage by Profession
Specialized coverage options and discounts tailored to your specific profession and career stage.
Physicians
25-30% offSpecialized Features:
- Residency & fellowship discounts
- Future increase options
- Specialty-specific definitions
- Academic medicine riders
Dentists
20-25% offSpecialized Features:
- Hand & back injury focus
- Practice overhead coverage
- Equipment protection
- Associate coverage
Lawyers
15-20% offSpecialized Features:
- Mental health coverage
- Partial disability benefits
- Business overhead expense
- Key person protection
Other Professionals
10-20% offSpecialized Features:
- Student loan protection rider
- Cost of living adjustments
- Catastrophic coverage
- Return of premium options
Top-Rated Insurance Partners
We work with only the highest-rated insurers to ensure your claims are paid when you need them most.
Guardian
A++Specialty: Medical Professionals
Principal
A+Specialty: Dentists & Specialists
MassMutual
A++Specialty: High-Earning Professionals
Northwestern Mutual
A++Specialty: Comprehensive Coverage
Standard Insurance
A+Specialty: Competitive Rates
Ameritas
A-Specialty: Young Professionals
All insurers rated A- or higher by A.M. Best for financial strength and claims-paying ability.
Compare All OptionsSimple Application Process
Get protected quickly with our streamlined application process designed for busy professionals.
Free Consultation
Discuss your coverage needs and get personalized recommendations
30 minutesQuote Comparison
Compare quotes from top-rated insurers with group discounts
24-48 hoursApplication Process
Complete application with our guidance and support
1-2 weeksMedical Exam
Simple medical exam scheduled at your convenience
1-2 weeksPolicy Issuance
Receive your policy and start your protection
2-4 weeksSpecial Considerations for Student Loan Borrowers
If you have significant student debt, disability insurance becomes even more critical. Consider these important factors:
- Student loan payments continue during disability
- Federal discharge programs have strict requirements
- Employer disability coverage may be inadequate
- Own-occupation coverage protects specialty income
Our recommendation: Consider a student loan protection rider and ensure your coverage amount accounts for both living expenses AND loan payments.
Protect Your Income and Future Today
Get a free quote and see how much you can save with our professional group discounts. Protect your ability to pay off student loans and build wealth.