Set for Life Insurance Brokerage Backgrounder

Founded by Jamie Fleischner, CLU, ChFC, LUTCF in April 1999, Set for Life Insurance is an independent disability insurance broker licensed in all 50 states. With over three decades of industry experience, the insurance agency works primarily with professionals—especially physicians, surgeons, medical residents, CRNAs and dentists—helping primarily physicians secure disability insurance and income protection through professionally structured disability insurance for doctors and surgeons, as well as life insurance and long term care insurance.

The insurance brokerage serves physicians across the US, offering personalized long-term disability insurance consultations and policy comparisons. Set for Life Insurance is unaffiliated with any single insurance carrier, allowing it to advocate for physicians’ best interests when evaluating offerings from all five major providers: Guardian, Principal Financial Group [NASDAQ: PFG], MassMutual (Massachusetts Mutual Life Insurance Company), Ameritas, The Standard, and Lloyd’s.

Set for Life Insurance’s core mission is to help individuals protect their most valuable asset: their income earning potential. The insurance agency focuses on structuring policies for professionals in high-risk, high-earning roles who haven’t yet built substantial wealth, particularly starting physicians typically between ages 29 and 35, many carrying significant educational debt and just beginning their careers.

Specialized Disability Insurance for Practicing Physicians and Resident Doctors

Own Occupation and Other Critical Riders

Set for Life Insurance offers a range of policy benefits tailored to the specific needs of physicians and healthcare professionals. These include own occupation disability insurance—coverage that pays benefits if a high earning physician, such as a surgeon, or anesthesiologist is unable to work in their specific medical specialty, even if they are able to work in another role.

Other frequently recommended insurance policy provisions include the residual disability rider clause, which provides partial benefits when medical doctors continue working but earn less income, and the future purchase option rider benefit, which allows for increased coverage without additional medical underwriting as income rises.

These insurance policy benefits are particularly vital for physicians, whose careers depend on physical abilities and specialized skills. Hand injuries could end a surgeon’s career, while immunosuppression issues that prevent direct patient contact can disable physicians otherwise capable of desk work.

Guaranteed Standard Issue Policies for Medical Residents and Fellows

Set for Life Insurance connects medical residents and fellows with Guaranteed Standard Issue (GSI) disability insurance programs available at over 150 hospitals nationwide. GSI disability insurance offers coverage without medical underwriting and processes in three to five business days, a significant advantage for residents, fellows, or healthcare professionals especially those with pre-existing conditions. While capped at a monthly benefit of $15,000, GSI coverage can be supplemented with traditional policies for higher-income individuals.

The GSI coverage option is especially valuable for disability insurance for medical residents, who often struggle with underwriting due to pre-existing conditions.. The brokerage guides medical residents through applications without requiring medical questions when GSI policies are available.

Hospitals where Set for Life Insurance has established GSI access include Mayo Clinic, University of Chicago, University of Rochester, University of Arkansas, University of Wisconsin, Baylor University, Dartmouth, and University of Virginia. The agency also holds institutional discounts with organizations such as the American Veterinary Medical Association, American Bar Associations, and corporate employers including Google and Amazon.

Independent Disability Brokerage Services

Physicians including early-career doctors, medical residents and physicians trainees, typically start by requesting a quote through Set for Life Insurance’s website. In response, the brokerage provides side-by-side comparisons to evaluate policies from different carriers, analyzing cost, coverage, and key policy differences. This approach allows the licensed disability insurance agent to create solutions tailored to each individual’s circumstances and career stage.

When necessary, Set for Life Insurance guides practicing physicians through the APS process—a request for medical records that typically takes three to six weeks. The agency proactively advises physicians with potential underwriting challenges. In cases where physicians have health conditions that might complicate traditional underwriting, they may qualify for disability insurance without APS if they opt for a GSI policy.

Set for Life Insurance works most frequently with five primary disability carriers: Guardian, Principal Financial Group, MassMutual, Ameritas, and The Standard. In complex cases, the brokerage also works with Lloyd’s of London. For life insurance, Set for Life Insurance accesses pricing across 30 to 40 carriers.

Discounts vary by institution and employer, with most offering 10 percent reductions. Resident discounts can range from 10 to 15 percent, while employer-sponsored plans typically provide 10 percent savings. New employer discounts can be initiated when three employees from the same organization apply for coverage. Discounts cannot be stacked, and once applied, they remain permanent policy features.

Jamie Fleischner, CLU (Chartered Life Underwriter), ChFC (Chartered Financial Consultant), LUTCF (Life Underwriter Training Council Fellow), the company’s founder, serves as the primary contact for physicians and has been recognized for her leadership in the field. She was featured on the cover of Broker World magazine, named a top 10 national agent by Principal, and inducted into Guardian’s Hall of Fame. Fleischner has also spoken at national meetings for the National Association of Insurance and Financial Advisors (NAIFA) and received local honors from NAIFA Denver.