Professional Protection
Whether you are a Doctor, Executive, Veterinarian, Attorney, Dentist, Architect, Accountant, Engineer, Business Owner, or other Professional, the choices you make around your Income Protection Strategies play a crucial role in the stability of you and your family’s financial life.
Our specialists work exclusively with highly compensated professionals who require true Own Occupation Long Term Disability Insurance that is Non-Cancelable and Guaranteed Renewable.
Medical Specialists (like radiologists, oral surgeons, emergency room physicians, anesthesiologists, optometrists, psychologists, etc) can rest assured that their sub-specialty (as recognized by the American Board of Medical Specialties) is considered their Own Occupation in the Disability Insurance contracts we provide.
Medical Students in Residency, Seniors in Professional Schooling (like Dental or MBA Students), and other Professionals in their first year of their careers (like Attorneys, Physicians, Dentists, CPAs, Architects) may be eligible to obtain Disability Income Protection with future buy-up options without current proof of income.
Our Process (details)
- Request a Disability Insurance Quote
- Receive the Proposal and Application via email
- Discuss details with our Disability Specialist
- Complete and Fax/Send your application
- Go through Underwriting Process
- Implement Policy (if approved)
Our Primary Insurer
We have selected Berkshire Life Insurance Company of America ("Berkshire") as our primary provider for Long Term Disability Income Protection due to the strength and customization of their contracts (true Own Occupation definition, Guaranteed Renewable, Non Cancelable, Residual Benefits, Future Increase Options, optional Lifetime Benefits, Automatic Benefit Enhancement, COLA, Catastrophic Benefits, integration with Group LTD Coverage, etc), the company’s financial strength, endorsements by numerous medical and professional associations (and employer groups), multiple discount options, disability contracts for retirement plans, disability buy-out policies for buy-sell agreements, reducing term and loan collateralization policies as are sometimes required to obtain commercial funding for small business or medical practices, business overhead expense disability policies – and much more. Whatever your need, our Specialists can craft customized Disability Insurance solutions for you. In the unlikely event that Berkshire is not a good fit for your needs or profession, we will explore other carriers.
Disability income products underwritten and issued by Berkshire Life Insurance Company of America ("Berkshire"), Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America ("Guardian"), New York, NY, or provided by Guardian.