With Ameritas, a Physician that is an active member of the American Medical Association (AMA) can obtain a 10% Gender Distinct discount when purchasing a new individual disability insurance policy.  This excludes policies that are issued in the following states:

Sample Quotes are shown below:

 

Metlife offers a 10% policy discount for members of the AMA.

Sample Quotes are shown below:

 

A key discount with Principal can be obtained when a “multi-life discount” is in place at the employer.  To do this, 3 individuals must apply with the same agent/broker and once these policies are in place, the discount becomes available.  A policy can even be reissued for up to one year from the policy date in order to obtain the discount.

Details of the Principal discount – Under their “multi-life” discount program, all policies are issued as Unisex, rather than as the traditional “Male” or “Female” rate.  A 20% “Multi-Life Discount” is applied to the Unisex price.

Sample Quotes are shown below: