Broker Check

Nursing Students

Fully Underwritten plan

Coverage is available on a fully underwritten basis and is based on your income and any group benefits with your current employer.

Optional policy features:

  • True Own-Occupation Definition of Disability
  • Enhanced Partial Disability Benefit rider along with a Recovery Benefit to match your chosen benefit period (to age 65, 67, or 70) 
  • A 3% or 6% Cost of Living Adjustment Rider1
  • Enhanced Catastrophic Disability Benefit Rider
  • Retirement Protection Plus Disability Benefit Rider
  • Future Increase Option Rider2
  • Student Loan Protection Rider up to $2,0003

Conversion Privilege plan

(Dependent upon known medical history or underwriting outcome)

As a public health student, one has the ability to obtain up to $1,000 per month of Guardian Group Trust coverage, upon graduation.

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

  • No medical underwriting required
  • True Own-Occupation with Specialty Language
  • Benefit period to Social Security Normal Retirement Age

Optional benefits (with added premium) include:

  • Partial Disability Benefit Rider

 

Contact your University Endorsed Agent:

Dustin Peltier

612-816-1901
dustin_peltier@fosterklima.com


1 This benefit is not necessarily protection against increases in the cost of living.

2 Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are: financial information as well as all disability insurance in force, for which you’ve applied, or are eligible to receive.

3 The Rider provides coverage for a period of 10 to 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15- year term that has not elapsed when the disability begins.