Exclusive Offer for Residents & Fellows

Guardian Life Insurance Company of America has a unique opportunity available at select institutions. Enroll in Guaranteed Standard Issue (GSI) Disability Insurance with no medical exams or health questions required. This special coverage is available throughout your residency/fellowship and remains open for 90 days after completing your training.
Guaranteed Issue Disability Insurance with Permanent Discounts of up to 30%.
No Medical Questions Asked!

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Permanent discounts of up to 30% locked in for the life of your policy.

Guaranteed approval – no medical underwriting.

Flexible enrollment window during and after training.

  • - Guardian is an independent entity not affiliated with, endorsed by, or sponsored by your employer. This offer is not part of any institutional partnership.

  • - Insure your income and career effortlessly – act now before this opportunity expires!

  • - Terms and conditions apply. Coverage is subject to policy provisions.

Tailored Protection Designed for Physicians

Guardian’s Guaranteed Standard Issue program offers exclusive benefits you won’t find elsewhere in the industry:

  • Physician-Specific Definition of Disability:

    Unique coverage aligned with your medical specialty.

  • Student Loan Protection:

    Safeguard your financial commitments in the event of disability.

  • No Medical Underwriting:

    Mental health conditions, cancer, diabetes, pregnancy, hypertension, and high-risk activities including scuba diving, rock climbing, etc. are all covered

  • No Penalties for High-Risk Hobbies:

    Rock climbing, racing, scuba diving, skydiving, and martial arts won’t impact your coverage.

  • Customizable Riders:

    Add Catastrophic Disability or Student Loan protection to enhance your coverage.

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Why Guardian Should Be Your First Choice

Applying with another insurer could disqualify you from accessing Guardian’s Guaranteed Standard Issue (GSI) policy.

This program is incredibly advantageous: it allows you to secure disability insurance without exclusions or premium hikes for pre-existing conditions. If another provider imposes a rating, exclusion, or denial, you’ll lose eligibility for Guardian’s GSI. Don’t gamble: prioritize Guardian.

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Essential Disability Insurance Coverage Every Physician Needs to Know

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A Definition of Disability Built for Physicians

Guardian’s industry-leading coverage starts with a True Own-Occupation Definition of Total Disability, allowing you to work in another capacity (even within your practice) while receiving full benefits. Guardian’s policy is tailored to cover your specialty’s core duties, and you may also qualify for disability coverage if over 50% of your income comes from:

  • Hands-on patient care you can no longer perform due to injury/illness, or

  • Surgical procedures you’re unable to conduct due to disability.

Secure Your Future with Guardian

Don’t compromise on protection—Guardian’s physician-focused policies offers flexibility, inclusivity, and peace of mind.

Click here to apply!