OUR SPECIALTY IS PROTECTING YOUR SPECIALTY
COMPARE DISABILITY INSURANCE CARRIERS
Not all disability coverage is equal, or TRUE Own Speciality. Use our comparison tool to evaluate the details of the coverage you might currently have, or investigate new TRUE Own Specialty coverage options on your own.
There are currently 6 national carriers offering own specialty disability insurance
Why are group or association insurance plans less expensive than individual insurance?
Group and association plans are less expensive because the do not offer the same level of coverage or financial protection. With group and association plans:
- You can lose your benefit if you decide to work in another field or position
- Group policies can be changed or cancelled by the insurance company
- Your rates will greatly increase over time with an association plan
- Claims are paid in fewer scenarios because of the limited definition of disability
When is the best time to enroll or upgrade a disability policy?
The best time to enroll or upgrade a disability policy is when you’re young and healthy, because premium and policy eligibility are based on age and health status. When you are younger there is a lower likelihood of pre-existing conditions, along with other serious medical conditions, that can preclude a person from obtaining coverage in the future.
Are there additional feels for using your services?
Absolutely not! Our services and expertise is provided free, and in many cases, a policy through the Doctor Insurance Group will be be less expensive than other insurance brokers.