Pharmacy Students

Fully Underwritten Plan

As a graduating Pharmacy Student, you may obtain a monthly benefit up to $3,500 per month, another $2,000 per month (over and above your monthly benefit) to cover your student loans, and up to $7,000 per month of Future Increase option.

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
  • Retirement Contribution Protection Rider
  • A Lump Sum payment rider
  • Future Increase Option up to $7,000 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 Pharmacy Student, you have the ability to obtain a monthly benefit up to $1,500 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
  • 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
  • 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:

Minneapolis

Chris Elhardt

612-746-2346
chris_elhardt@fosterklima.com

David Seidelmann, CFP®

612-746-2244
david_seidelmann@fosterklima.com


Duluth

Erik Bohn

612-746-2270
erik_bohn@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 $1,500 per month guaranteed benefit.