UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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Student Loan Protection

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's3 valuable Student Loan Protection Rider provides up to $2,500 in coverage ​​over and above individual disability issue and participation limits. If you become 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.

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


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

Benefits:
  • 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.
Have a question, or want to learn more about your options?
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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.
While you can't predict the unexpected, you can prepare. We're here to help you.
Foster Klima and Guardian were chosen exclusively by the University of Minnesota to provide you with disability insurance to protect your financial future. 
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Foster Klima & Company, Inc is an Agency of The Guardian Life Insurance Company of America®  (Guardian), New York, NY.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC.  OSJ:   PAS is a wholly-owned subsidiary of Guardian.  Foster Klima & Company, Inc  is not an affiliate or subsidiary of PAS or Guardian.  10900 Wayzata Blvd, Minnetonka, MN 55305, ph# 612.746.2200.

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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Copyright 2024 Foster Klima

7229669.1 Exp 11/2026
  • Home
  • Residents, Fellows, and Interns
    • Graduate Medical Education Residents & Fellows
    • School of Dentistry Residents
    • College of Veterinary Medicine Residents & Interns
  • AHC Students
    • Medical School Students
    • School of Dentistry Students
    • College of Pharmacy Students
    • College of Veterinary Medicine Students
    • Nurse Practitioner Students
    • Certified Registered Nurse Anesthetist Students
    • School of Nursing Students
    • College of Allied Health Professions
    • School of Public Health
  • Request A Quote
  • Real Stories
  • A Detailed Look
    • Learn To Speak The Lingo
    • Student Loan Protection
    • Products & Services
    • Useful Links
    • From Learning, to Living, to Retirement
    • Tips to Start Digging Your Way Out
  • About Us
    • Your Team
    • About Foster Klima
  • Report A Claim
  • Contact Your Advisor