Dental Students

Fully Underwritten Plan

As a graduating Dental Student,you may obtain a monthly benefit up to $4,000per month, another $2,000 per month (over and above your monthly benefit) to cover your student loans, and up to $12,000 per month of Future Increase Option rider.

Optional riders include:

  • True Own-Occupation with Specialty Language
  • Partial Disability Rider along with a Recovery Benefit to match your benefit period (to age 65, 67, 70 or for your Lifetime)
  • Cost of Living Adjustment Rider
  • Enhanced Catastrophic Disability Benefit Rider
  • Retirement Protection Plus Disability Rider
  • A Lump Sum payment rider
  • Future Increase Option up to $12,000 as stated above
  • Guardian's exclusive Student Loan Protection Rider up to $2,000 as stated above
  • 10% permanent Student/Resident Discount (available up to 60 days post graduation)

Conversion Privilege Plan

(Dependent upon known medical history or underwriting outcome)

As a graduating Dental Student, you have the ability to obtain up to $2,000 per month of individual disability coverage upon graduation (window of eligibility is 60 days pre and 60 days post graduation).

Individual disability insurance coverage with Guardian is on a Guaranteed Standard Issue basis:

  • No medical underwriting required
  • True Own-Occupation coverage with specialty language
  • Benefit period to age 65
  • 10% permanent discount1

Optional riders include:

  • Partial Disability Rider along with a Recovery Benefit to age 65
  • Guardian's exclusive Student Loan Protection Rider2


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

110% discount applies as there is a 24 month mental nervous and/or substance-related disorders limitation on the policy

2Student Loan coverage must be part of the $2,000 per month guaranteed benefit