Dental Residents

Coverage Designed with You in Mind

As a Dental Resident, you may obtain a monthly benefit up to $3,000 per month of individual disability coverage1.

Individual disability insurance coverage with Berkshire Life Insurance Company of America, a Guardian company is on a Guaranteed Standard Issue basis:

  • No medical underwriting required
  • Definition of Total Disability: True Own-Occupation with specialty language
  • Benefit period to age 65
  • Up to a 20% permanent discount2

Optional riders include:

  • Partial Disability Rider along with a Recovery Benefit to match your benefit period (to age 65, 67, 70 or for your Lifetime)
  • Retirement Protection Plus (RPP) Disability Rider
  • Enhanced Catastrophic Disability Benefit Rider
  • Future Increase Option rider
  • Guardian's exclusive Student Loan Protection Rider


More choices to meet your needs:

  • Up to $1,000,000 of life insurance with simplified underwriting


Contact your University Endorsed Agent: 

Dustin Peltier

612-816-1901
dustin_peltier@fosterklima.com


1  Higher limits and additional optional benefits available with full underwriting and for additional premium

2  20% discount contains a 10% mental nervous and/or substance-related disorders limitation (on all conversion policies) and a 10% Student/Resident Discount (one must apply within 60 days of completing your program to receive)