Disability
Insurance Discounts

At Set for Life Insurance, we don’t push policies from specific insurance companies. We’re objective and shop around on your behalf to get you the best rate.

Because of the relationships we’ve built and our efforts over the years, we can offer these special discounts not available elsewhere. In addition, our clients’ applications receive priority handling and sometimes even exceptions in the underwriting process. Plus, your discounts are permanent and never expire! Just like your individual policy, they are portable and stay with you for the life of the policy

The following special discounts were set up by Set for Life Insurance. They are therefore exclusively available to Set for Life Insurance clients only and are not available to other agents or brokers. To obtain these exclusive discounts, applications must be submitted through Set for Life Insurance.

Set for Life Insurance’s Special Disability Insurance Discounts

Disability insurance can be very expensive. Rates are based on several factors including age, gender, health, geographic location, and occupational class.

Expect to pay between 2-4% of your gross income to cover your premiums.

When shopping for disability insurance, it is important to get the right coverage for your needs, and all the discounts available to you, which can save you a significant amount of money over the course of your career.

Set for Life Insurance, a nationally recognized disability insurance agency, has the most comprehensive portfolio of disability insurance discounts available in the industry including:

20% off employer-sponsored discounts and discounts for association members.
We specialize in the medical field, and employees in the medical or dental communities may qualify for discounts ranging from 10% to 55%.
Nationwide discounts for physicians.

Sample Rates for Medical Residents and Dental Residents

As a medical resident, dental resident or fellow, you may purchase a policy that’s specific to your specialty between $1,000-$5,000/month benefit regardless of income or group benefits in force. The policy has an option allowing you to increase the benefits up to $25,000/month benefit without future medical underwriting. Residents in their last 180 days of training may purchase up to $7500/month.

Disability Insurance Limits for Dental Residents and Dentists

Dentists within 180 days of completing their residency program may purchase up to $6,000/month without financial underwriting. Dentists in their first two years of practice may purchase up to $5,000/month without financial underwriting, and dental specialists may purchase up to $6,000/month in their first two years in practice.

Disability Insurance Limits for Medical Residents and Physicians

Graduating medical residents in their last 180 days of residency may also purchase up to $7500/month. Physicians in their first year in practice may purchase up to $7,500/month without financial underwriting, while medical specialists may purchase up to $7,500/month benefit.* * Residents may qualify for discounts up to September 30th after graduation.

Disability Insurance Employer Discounts and Association Discounts

When requesting your quote comparison, please be sure to mention your current employer or if you are a member of an association so we can assess if discounts are already in place through Set for Life Insurance. To obtain the discounted rates, you must be employed by a discounted employer at the time of application or be a member of the discounted association when you submit your application. View Available Discounts

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