When I was looking to add additional protection for my family in the event of an injury that would prevent me from working, Set For Life's vast understanding of disability policies was invaluable. Working with them has enabled me to have insure my family and I are well protected.

— Darren K., Manager, Manahawkin, NJ

Set for Life Insurance has discounts available for physicians, medical residents and employees of  Massachusetts General Hospital/Harvard University.

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.

Sample Rates for Medical Residents/Fellows.

$1000/month benefit: Premium $23/month

$5000/month benefit: Premium $115/month

$7500/month benefit: Premium $172/month 

•·     Example for a 30 year old non smoker, female, non-surgical specialty.

•·     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.

•·     AM Best A+ Rated company.

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

•·     Non cancelable, Guaranteed Renewable.

•·     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 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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