Because plan B shouldn't be GoFundMe.
You are 3–5 years from earning ten times your current salary. One injury away from losing it all. Protected for less than a DoorDash order.
Exam-free signup
Resident pricing
As low as $25
The gap nobody talks about
Your program's group Long Term Disability (LTD) pays approximately $2,500/month. It's taxable, leaving you with roughly $1,800 take-home.
That coverage ends the day your residency ends. Meanwhile, student debt doesn't pause for injuries.
Take-home limit
Coverage ends
Average debt
Three Steps. No Exam. No Surprises.
Guaranteed Standard Issue (GSI) means no medical underwriting and no exams. You qualify by being a resident and applying.
Schedule a free 15-minute call
We walk you through exactly what you qualify for, what it costs, and why now is the only time you can get these rates. Ask why you should apply with us first.
Lock in your rate as a resident
Resident pricing and GSI access exist only while you're in training. Once you become an attending, rates go up and underwriting kicks in.
Carry it through your career
Your policy moves with you to fellowship and private practice, anywhere in the country. Your coverage is locked in at the rate you got as a resident.
Did you know? Your GSI approval is modified if you are declined by another carrier, so make sure to speak with us first.
You can insure for more than you currently earn.
Coverage is based upon your year in training, specialty, and future income potential. Lock in up to $20k a month in benefits, up to 6 months from your date of graduation, and still pay resident rates.
Maximum monthly benefit
No Medical Underwriting
Standard issue coverage. No blood draws, no health history deep-dives required for residents.
Benefit Increase Options
Scale your benefit up to $20k/mo as your income grows without ever needing a new health exam.
Resident Discount Locked
Your 15-25% discount is permanent. It stays on the policy for the rest of your career.
Trusted Since 1997
We understand the specific contract language and gaps in residency programs nationwide.
They wish they'd done it sooner.
"I'm glad I planned for the 'what-if'."
"On June 2, 2009, my doctor gave me my diagnoses - Acute Leukemia. I was 41 years old. I had some long-term group disability insurance coverage through my employer - but it wasn't enough. Without the long-term individual disability income insurance I purchased through Principal, my family would have been financially strapped."
Dr. Randy Hinkle
DO
"I sat where you are in residency."
"I bought my policy as a resident and never thought about it again - until a progressive neuropathy ended my career at 40. My group carrier fought me in federal court. The individual policy I'd purchased through Dené? It kept our house, put my kids through college, and gave my family a future."
Dr. Chris Yerington
MD
What does it actually cost?
Less than things you already spend money on without thinking about it.
Netflix + Hulu
$0.85/day
Protects
in lifetime income protection
$1,000/mo benefit if disabled
One dinner out
$1.92/day
Protects
in lifetime income protection
$2,500/mo benefit if disabled
Your daily coffee
$3.71/day
Protects
in lifetime income protection
$5,000/mo benefit if disabled
The right level depends on your specialty, your debt load, and your goals. That's exactly what the 15-minute call is for.
All coverage levels include: Own Occupation definition · 90-day elimination period · Noncancelable to age 65 · Benefit Increase rider (no charge) · Enhanced Plus Residual & 3% COLA riders · 20% GSI discount applied · No medical underwriting. Rates illustrated for male, age 27, non-tobacco, occupation class 5M, Ohio. Summary illustration only — not a contract. Issued by Ameritas Life Insurance Corp.
Fifteen minutes. One decision.
Fill this out — we'll reach out to schedule your free call. No pressure, no pitch deck.
What could a disability cost you?
Find your coverage level.
Step 1 · Your expected attending income
Step 2 · If you couldn't work for...
Your total career earnings (age 34–67): $25,978,566
Data model by
OneProtection
Income you'd lose
$3,722,154
14.3% of career earnings
Coverage that protects against this starts at $25/month.
The right level depends on your specialty and your goals.