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TESTIMONIALS
What Our Clients Have To Say
I’ve worked with many insurance providers globally, but none have offered such personalized service. Their team truly goes above and beyond.
— John M.- From Chicago
Exceptional experience from start to finish. They took the time to understand my needs and offered the best solutions tailored to my situation.
— Sara K.- From Chicago
I’m impressed by their global reach and professionalism. Their quick responses and reliable support make them my top choice for health coverage.
— Carlos Garcia - From Chicago
Frequently Asked Questions
What is the significance of a True Own Occupation policy?
A True Own Occupation disability insurance policy covers the material and substantial duties of your specific medical specialty, rather than any occupation. This means that if you're unable to perform the duties of your specialty due to disability, you can still receive benefits—even if you choose to work in another capacity.
How do I know which plan is right for me?
It depends on your specialty, age, gender and location so it will be vary for everyone. We are happy to walk you through the options specific to you.
Does True Own Occupation insurance cover partial disabilities?
Yes, these policies offer residual disability benefits, which provide coverage if you can work but experience a loss of income due to a disability.
Can I get coverage if I have pre-existing conditions?
It depends. Some conditions may result in exclusions, while others could lead to higher premiums or be fully covered.
Are there discounts for residents and fellows?
Yes, physicians in training qualify for training discounts that reduce premiums permanently if locked in early.
How long do benefits last?
Most policies pay benefits until age 65 or 67, though shorter terms (e.g., 2–5 years) are available.
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