One injury or diagnosis can stop your income, even when everything else in your life carries on as normal. We compare the major carriers to find you true own-occupation coverage at the best price. We work with doctors and dentists, and no one else. It costs you nothing to use us.
Your details are in. Grab a quick call with a LeverageRx advisor and we'll walk through your carrier comparison together.
We compare the top 6 own-occupation disability insurance carriers
A 35-year-old physician earning $300k will bring in well over $10 million over the rest of a career. That future income is the largest asset you own. Because you can't see it sitting in an account somewhere, it's the easiest one to leave unprotected.
Disability is rarely the dramatic accident. It's the herniated disc that ends a surgeon's standing days. The tremor that ends a dentist's. The autoimmune diagnosis, the cancer, the depression severe enough to keep you out of the OR. The skill that took a decade and six figures of debt to build can be interrupted in an afternoon.
Own-occupation disability insurance keeps that income coming in, so the mortgage, the tuition, and the life you've built don't hang on whether you make it back to work.
professionals will experience a disabling event lasting at least a year during their career.
Most physicians need both group and individual coverage. Almost none have the individual side set up right, and that's the part that actually pays when you can't practice.
Built to limit the hospital's liability, not to protect your income.
Yours, portable, and written around your specialty.
When you can't work, one of these mails you a check every month. The other mails a denial letter.
We're an independent brokerage. We don't work for an insurance company. We work for you.
We put Guardian, Principal, Ameritas, MassMutual, The Standard and more head-to-head. No quota, no house product, no reason to steer you.
We don't sell disability between auto and home policies. Own-occ definitions written for your specialty, resident discounts, future-increase riders. This is the only thing we do all day.
Premiums are the same whether you buy direct or through us. Carriers set the price, and our commission is already baked into it. The comparison and the guidance cost you nothing extra.
Your specialty, age, income, and state. Two minutes, no medical exam to get quotes.
We run your profile across the major carriers and bring back a side-by-side comparison of price, definitions, and riders, with the differences that matter flagged.
Application, underwriting, and paperwork. We stay in it until the policy is in force and you're covered.
Two policies can look identical on price and be worth completely different things the day you file a claim. This is where it gets won or lost.
The gold standard. It pays full benefits if you can't perform your specialty, even if you choose to work in another field. The exact wording varies by carrier, and that's where we spend most of our time.
Premiums are based on your age and health at purchase, then locked in. Residents and fellows often qualify for discounts up to 20% plus simplified underwriting. Waiting costs money and risks your insurability.
Raise your coverage as your income climbs, from resident to attending to partner, with no new medical exam. You lock in the right to buy more before any future diagnosis can take it off the table.
Benefit period to age 65, residual/partial disability, cost-of-living adjustments, student-loan riders. We match the riders to your risk instead of selling you every bell and whistle.
Not sure what you have now? Send us your current policy and we'll tell you straight where the gaps are.
Get a free policy review →"I had a wonderful experience working with Rhett. He was patient, informative, quick to answer my questions, and made sure everything was prepared carefully."JJanna
"He helped me fill out the forms I needed and walked me through the application process. Trustworthy and efficient."SSam W.
"Rhett has gone above and beyond helping me with my policy. For the first time, I understood exactly what I was buying."GGrace S.
Lock in low rates and your insurability before you finish training, while it's cheapest and easiest to qualify.
Replace or supplement weak group coverage with a portable policy you actually own and control.
Protect personal income and the overhead that keeps the practice running if you're out.
Coverage written for the precise physical demands of your work, where fine motor skill is the job.
Most doctors are surprised it costs less than they expected. Get side-by-side quotes from the top carriers for your specialty. No exam to see them, and no cost to use us.