Disability Income Insurance for Dentists

Non-Cancelable and Guaranteed Renewable mean that the terms of your policy can’t be changed or canceled by the insurer, as long as premiums are paid on time.

Level Premiums provide consistent premium pricing from the time your policy begins, until age 65. If coverage is increased, the cost for the new coverage will be added to your original cost.

Graded Premiums begin with a lower premium cost and increase annually. Graded premiums can be changed to level premiums in future when they typically can be more easily afforded.

Future Insurability Options allow you to increase your coverage amount as your income grows, regardless of your health.

Partial Disability Coverage enables you to see patients part time and work a reduced number of hours, if you’re able to, while still receiving benefits for a partial disability.

Cost of Living Adjustments may help to keep disability benefits consistent with inflation through annual post-disability increases.  

Own Occupation is a definition of disability covering disabilities that prevent you from working in the specific occupation you’ve been trained for and are currently working in.

Student Loan Riders may help you make your student loan payments while disabled.