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Student Loan Protection

If you became too sick or injured to work, how would you repay your loan obligation?

On average, physicians begin their careers with $181,000 in student loan debt1 and dentists average a staggering $200,0002.

You have access to premier protection for income and student loans,which offers a true own-occupation definition of total disability with specialty language—the key differentiator in determining how valuable the policy will be during an actual disability.

Guardian's exclusive Student Loan Protection Rider provides up to $2,000 in coverage over and above individual disability issue and participation limits.

You could be eligible for more total coverage than with any other insurance company!3


  • Covers monthly student loan payments in the event of total disability.
  • Inexpensive coverage


  • Cover loan payments without dipping into savings or sacrificing your lifestyle.
  • Loan payments are made directly to the lender —no need to write a check every month and ensures on-time payment.



1 Association of American Medical Colleges, 2012 survey

2  Financial Planning Issues for Dental Students, American Dental Association

3  Individual disability insurance policy Forms 18ID, 18UD, and 18GI underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product provisions and availability may vary by state.Optional riders are available for an additional premium.

Guardian does not offer student loans or any counseling to attain or pay down student loans.