Medical Students

Fully Underwritten Plan

As a graduating Medical Student,you may obtain a monthly benefit up to $5,000 per month, another $2,000 per month (over and above your monthly benefit) to cover your student loans, and up to $12,000 per month in our Future Increase Option rider.

Optional riders include:
 
  • Enhanced Medical Specialty Definition of True Own-Occupation
  • 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
  • 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 (if applying within 60 days post graduation)

Conversion Privilege Plan 

(Dependent upon known medical history or underwriting outcome)

As a graduating Medical student, you have the ability to obtain a monthly benefit up to $2,000 per month of individual disability coverage and up to $1,000 in Future Increase Option 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
  • Enhanced Medical Specialty Definition of True Own-Occupation 
  • Benefit period to age 65
  • 10% permanent discount1

Optional riders include:

  • Partial Disability Rider along with a Recovery Benefit to age 65 
  • Future Increase Option up to $1,000 as stated above
  • 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 one of your University Endorsed Agents:

Joe Barwick

612-746-2264 
joe_barwick@fosterklima.com


Matt Hermann

612-746-2383
matt_hermann@fosterklima.com

  

1  10% discount applies as there is a 24 month mental nervous and/or substance-related disorders limitation on the policy 

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