Life & Disability Insurance for Military Physicians

Life Insurance for Military Physicians and Dentists

Is $500,000 enough to take care of your family? SGLI provides a good start but is inadequate for many military physicians and dentists. Work with us to bolster your family’s protection prior to separation, when rates go up and it becomes more difficult to qualify for a policy.

Disability Insurance for Military Physicians and Dentists

Protecting your income as you complete your service to our country is critical. The military does not provide own occupation disability protection—which protects your ability to practice medicine in your chosen specialty. Your government benefits only cover a portion of pay, which we have seen can leave significant income gaps for folks. Your medical specialty income is your greatest asset. You’ve worked hard to build your career and in your service. Let us help you protect your investment.

military dentists working on a patient
close up of U.S. flag
man dressed in army fatigues

The Costs of Waiting

  1. Higher premiums: Your fixed rate is locked in at your current age—delay means paying more for fewer years of coverage
  2. Underwriting risks: Military medical exams are thorough and document everything. Any discovered condition can result in denial, exclusions, or increased premiums
  3. Lost discounts: Military-specific discounts may decrease or disappear
  4. Deployment delays: If you receive overseas orders, you must wait until returning to the US to apply. Deployments do not impact your policy if it is active prior to deployment.

Key Considerations – Insurance Providers

  • MassMutual: First choice, same comprehensive provisions as civilian policies
  • Lloyds: Backup option for those with health issues

Coverage Strategy

  • Maximize coverage to help replace more income (specialty pay + moonlighting)
  • Add Future Insurability Option (FIO) or Benefit Increase Rider (BIR) to increase coverage later without medical review
  • Include own-occupation and partial disability coverage for specialty protection
  • Apply before potential orders for overseas deployment

Example Monthly Benefits (tax-free!)

  • Medical resident ($100 insurable income): $2,712/month starting benefit
  • Active duty attending ($155K): $4,905/month starting benefit
  • With moonlighting ($205K): $7,155/month starting benefit

The bottom line: Work with an experienced broker to establish coverage now while you’re young, healthy, and insurable. Graded premium (start lower but increase annually) available for those under 35.

Physicians are our specialty.

Disability Insurance custom-designed for physicians, by specialists with decades of experience advising medical professionals.