I have worked with Set for Life since my first day of  residency (~8 years ago!). She looks at me as a mother and as a physician.  I have always felt secure in the knowledge that Set for Life is and has been looking out for my best interest and the well-being of my family!

— Dr. Sonja O., Pediatrician, Denver, CO

Set for Life Insurance has discounts available for physicians, medical residents, dental students, fellows and employees of Barnes-Jewish Hospital in St. Louis.

Disability insurance can be very expensive.  Expect to pay between 2-4% of your gross income to cover your premiums. However, if you are eligible for discounts, the cost can be reduced to 1-3% of your gross income.

When shopping for disability insurance, it is important to look at all of your options available.  In addition for looking for the right coverage for your needs, it is important to see if you have discounts available to you. This can save you a significant amount of premium over the course of your career.

Rates are based on several factors including age, gender and occupational class . Female rates tend to be approximately 40% more expensive than male rates. Therefore, if women are able to obtain unisex discounts, they will save significantly. Men will also receive a discount, but the change won’t be as dramatic as their rates start out at a lower premium than their women counterparts.

•·     Rates are guaranteed to age 65.

•·     Covers you in your medical specialty.

•·     Increase options up to $15,000/month in the future without further medical underwriting.

•·     Discounts remain on the policy throughout your career, even if you change employers in the future.

•·     Includes a 3% Cost of Living and Partial, Residual  Disability Rider.

•·     Non cancelable, Guaranteed Renewable.

•·     Discounts are permanent and apply to future increases regardless if you are still at the disocunted employer.

·     Policy subject to Medical Underwriting, Rates may vary based on gender, age, health and medical specialty.

•·     Applicants must apply for a policy while still employed at the discounted employer. If you are a graduating medical resident, you must apply prior to graduation to obtain the discount.

If your current employer or residency program does not currently have discounts available, contact Set for Life and we can help implement a discount program for you and your colleagues.

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