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RECENT DISABILITY INSURANCE QUOTES
We ran disability insurance quotes for the following occupation
Ophthalmologist – Physician in New York
General Comments –
There are many options for Disability Insurance for Ophthalmologists (Physicians). Many of the companies that offer high quality disability insurance for physicians have a definition of total disability that mentions medical specialties. If the insured becomes too sick or hurt to do the material and substantial duties of that medical specialty, the physician could go on a total claim (receiving the max benefit under the terms of their policy).
The key with looking for the “right” plan is to understand the various nuances across the policies and to find advantages when it comes to pricing. Some companies offer a Multi Life discount program and it modifies the pricing so that a Female rated policy becomes a Unisex priced policy. Since females pay more when compared to male rates and since Unisex falls between male and female when it comes to pricing – moving from female to unisex is an immediate discount. Then if we can throw another 20% discount on top of that we end up seeing premium savings that can far exceed the 20% discount.
The premium savings that is gained from obtaining a Unisex priced policy for females is staggering.
Focus Carrier: Principal
Monthly Premium: $363.18 (Unisex priced with Multi Life discount)
Monthly Benefit: $10,100
State of Residence: New York
Benefit Period: To age 65
Elimination Period: 90 days
Premiums for the various proposals that we ran for this individual.
| Insurance Company/Product Name | Benefit Period | Monthly Benefit | Monthly Premium | Cost Per $100 |
|---|---|---|---|---|
| Principal HH750 | $ | $363.18 (Unisex) | $ | |
| Metlife Income Guard | $ | $636.51 | $ | |
| Guardian Provider Plus | $ | $683.17 | $ | |
| Guardian Provider Plus Limited | $ | $570.45 | $ | |
| Standard Protector Platinum | $ | $734.75 | $ |
You can view the actual sample policies for the plans. Please review these to learn more about each policy.
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*Due to specific marketing agreements that we have with various companies, some company quotes are not shown. This does not mean that we did not and cannot quote these companies. Contact us to receive more details and to see specific quotes for these companies.
MOST RECENT TERM LIFE INSURANCE QUOTES BY OUR VISITORS
We ran disability insurance quotes for the following occupation
Ophthalmologist – Physician in New York
General Comments –
There are many options for Disability Insurance for Ophthalmologists (Physicians). Many of the companies that offer high quality disability insurance for physicians have a definition of total disability that mentions medical specialties. If the insured becomes too sick or hurt to do the material and substantial duties of that medical specialty, the physician could go on a total claim (receiving the max benefit under the terms of their policy).
The key with looking for the “right” plan is to understand the various nuances across the policies and to find advantages when it comes to pricing. Some companies offer a Multi Life discount program and it modifies the pricing so that a Female rated policy becomes a Unisex priced policy. Since females pay more when compared to male rates and since Unisex falls between male and female when it comes to pricing – moving from female to unisex is an immediate discount. Then if we can throw another 20% discount on top of that we end up seeing premium savings that can far exceed the 20% discount.
The premium savings that is gained from obtaining a Unisex priced policy for females is staggering.
Focus Carrier: Principal
Monthly Premium: $363.18 (Unisex priced with Multi Life discount)
Monthly Benefit: $10,100
State of Residence: New York
Benefit Period: To age 65
Elimination Period: 90 days
Premiums for the various proposals that we ran for this individual.
| Insurance Company/Product Name | Benefit Period | Monthly Benefit | Monthly Premium | Cost Per $100 |
|---|---|---|---|---|
| Principal HH750 | $ | $363.18 (Unisex) | $ | |
| Metlife Income Guard | $ | $636.51 | $ | |
| Guardian Provider Plus | $ | $683.17 | $ | |
| Guardian Provider Plus Limited | $ | $570.45 | $ | |
| Standard Protector Platinum | $ | $734.75 | $ |
You can view the actual sample policies for the plans. Please review these to learn more about each policy.
← Back to All Listings
*Due to specific marketing agreements that we have with various companies, some company quotes are not shown. This does not mean that we did not and cannot quote these companies. Contact us to receive more details and to see specific quotes for these companies.