If you’re a graduating medical resident or fellow, chances are you’ve heard about Guaranteed Standard Issue (GSI) disability insurance. It’s one of the most important steps you can take to protect your future income—and now, it’s more affordable than ever.

Thanks to a recent update, residents purchasing a Guardian GSI disability policy can now opt for a no-cost benefit purchase rider instead of the traditional future increase option. The result? A significant drop in monthly premiums—roughly 20% less than before—without sacrificing the ability to increase coverage later as your income grows.

What is GSI?

GSI (Guaranteed Standard Issue) policies are specifically designed for residents and fellows at hospitals that have pre-approved arrangements with insurance carriers. These policies:

• Require no medical exams or labs

• Are available regardless of your health history

• Provide own-occupation, specialty-specific coverage

• Are discounted up to 40% based on your institution

• Include the ability to increase benefits as your income rises

In other words, it’s one of the most seamless and powerful ways to lock in comprehensive coverage early in your career.

Why the Premiums Are Now 20% Lower

Previously, Guardian GSI policies came standard with the Future Increase Option (FIO), which allowed policyholders to buy more coverage in the future—but at a cost.

Now, you can choose the Benefit Purchase Rider (BPR) at no additional cost. This rider still gives you the opportunity to increase your monthly benefit as your income grows (up to $15,000/month in total), but it eliminates the extra premium tied to the FIO.

By making this change, premiums have dropped from approximately $127/month to $100/month—a savings of nearly 20% annually. That’s real money back in your pocket.

Why Act Now?

If you’re within 180 days of graduating—or just starting your final year of training—you may still be eligible for GSI. However, once you’re employed or credentialed with your attending contract, these no-exam options may expire.

Take advantage of this exclusive opportunity before it’s too late.

How to Get Started

At Set for Life Insurance, we’re proud to be one of the select few authorized to offer GSI policies nationwide. We’ve helped thousands of physicians protect their income—now with even better rates.

👉 Click here to request your personalized GSI quote

Disclaimer: The Guardian Guaranteed Standard Issue plan is not sponsored by the hospital. Eligibility and availability may vary by institution and state.