Guaranteed Medical Education (GME) Disability Insurance

GME protects residents and fellows after their residency and throughout their career

GME disability insurance programs are Guaranteed Standard Issue (GSI) programs that are designed specifically for graduating medical residents and doctors, surgeons and dentists during residency.
GME disability insurance provides medical residents the opportunity to purchase individual disability insurance – at a significant discount – without medical or financial underwriting.

Guaranteed Medical Education Details

  • GME programs are “owned” by on Agent of record, giving the Agent exclusive access to provide coverage to residents.
  • GME programs feature simplified underwriting with no medical or financial verification in most cases.
  • GME policies typically have a rider to accommodate doctors’ future salary increases.
  • Own occupation definitions let doctors file a claim it they can non longer work in their chosen profession.
  • GME products offer a student loan rider that can help repay loans if a disability occurs.