Pricing and Discounts
As medical and business professionals we know your clients work very hard in their professional communities. Likewise, we work hard to research and network with disability insurance carriers to insure that you can provide your clients the best specialty and own-occupation disability income policies at the very best premiums. Our expertise in this niche area, especially for physicians and business owners, makes it possible for you to offer your clients DI premiums that are 5-20 percent less than they would pay anywhere else, when you partner with us.
Four carriers offer specialty and true own occupation definitions of disability essential for physicians and executives—Ameritas, Guardian, Principal, and Standard.
Each of these carriers offer premium discounts, but not all offer the same discounts. Because of our relationships with the carriers and our expertise, access to many of these discounts is only available to you when you work with us.
Depending on the carrier, discounts are available for the following:
- membership in professional organizations such as the American Medical Association or the American Bar Association
- employment in specific medical hospitals or company
- placing three-five policies on employees working in the same organization
- multi-product sales.