Most companies have hundreds of riders which individuals can attach to their disability policies. However, for residents and young doctors the most important of these is the guarantee of insurability or future insurability rider. When this rider added to a policy gives residents and doctors the right not the obligation to purchase more insurance in the future at future rates regardless of health. Why is this so important for residents? For starters, while in a residency doctors have very little income from duties in their specialty. For this reason insurance companies will only insure residents up to a certain benefit amount normally $5000 without proof of income. It is well known residency is a hard time and a lot can happen during that period health wise. The unfortunate truth is that many doctors do become uninsurable during this time period. The future purchase option gives young doctors the peace of mind that they will be able to increase their benefit in the future based on insurance company rules, without taking another health exam. This rider effectively negates the risk of becoming uninsurable during residency. The same can be said for young doctors in private practice. Many young physicians in private practice just like residents may not yet  have a sufficient income to qualify for the maximum benefit amount in their specialty class. Another possibility is that these young specialists may not be able to afford the maximum benefit at the time due to other financial obligations. As with residents, the future insurability rider gives these practicing specialist a sense of calm because they know they have the option to purchase more  benefit in the future. The best part of this rider is that  there is No BLOOD WORK, URINE ANALYSIS, or MEDICAL QUESTIONS REQUIRED, easing the stress on you regarding the securing your future. Protecting you in your specialty and creating a personalized plan has been our priority for 26 years. Our goal is to educate physicians so that they can make the best decision for them and their families. So Why trust anyone other than a Specialist to protect your future?

Specialist Protecting Specialist since 1987