Comparing policies from different doctor disability insurance companies is a good idea as there is no “on size fits all” solution for all applicants. Insurance companies have different contractual language, underwriting guidelines and rates. While one carrier may have the best policy for a healthy female radiologist in Arizona, a different carrier may be a better fit for a male anesthesiologist with a history of low back problems living in California. Having the ability to compare all options will give you the best chance of obtaining the disability policy that is right for you.
Some variables that will affect your policy:
- Gender
- Specialty
- Geographic location
- Age
- Income
- Health (height/weight, blood profile, medications, medical history, etc.)
- Employment status (employee, owner, government worker, etc.)
Important considerations in any disability insurance company:
- Insurance company has high financial strength ratings
- Policy is guaranteed renewable and non-cancelable
- Definition of disability protects your specialty
💡 Broker Insight: Why "Comdex" Matters
When comparing carriers, we look beyond the brochure. We analyze the Comdex Score—a composite ranking of a company's financial stability (scored 1-100).
Why does this matter? A disability claim at age 40 could result in payments lasting 25+ years. You need a carrier with the institutional stability to pay claims in the year 2050 and beyond. We only work with carriers that meet rigorous financial standards.
Disability Insurance Companies We Work With
Below is a partial list of the companies we represent. We find that these carriers provide the best combination of contractual benefits, company strength and attractive pricing for members of the medical/dental community.
Click on the physician disability insurance company name below to get financial strength information, sample contracts and policy brochures.
Company Websites
Why Buy Through a Broker vs. Directly?
It is a common myth that buying directly from the insurance company saves money. In reality, insurance rates are filed with the state—you cannot pay more by using a broker, but you can often pay less.
The Broker Advantage:
- Unbiased Comparison: A "Captive Agent" (who works for one company) can only show you one option. We show you all of them side-by-side.
- Exclusive Discounts: We have access to Multi-Life and Association Discounts (10-20% off) that are often unavailable to individuals applying directly to the carrier.
- Advocacy: We work for you, not the insurance company. If you have a complex medical history, we know which carrier is most likely to approve you before you apply.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.