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Guaranteed Standard Issue Disability Insurance Coverage

What is Guaranteed Standard Issue (GSI) Disability Insurnace?

What is Guaranteed Standard Issue (GSI) Disability Insurnace?

Questions about your medical history, and even a medical exam, can be part of the process to get disability insurance coverage. Any previous illnesses or injuries can then lead to modified or denied coverage. Guaranteed Standard Issue (GSI) Disability Insurance removes that risk. 

During residency or fellowship at certain schools, you may be eligible to apply for, and receive, disability insurance with no medical questions. This coverage includes own occupation language specific to doctors.

Access closes soon after graduation, so don't delay in learning more.

Not eligible for a GSI? You may be entitled to a discount of up to 30%.

Guaranteed Standard Issue (GSI) vs. Fully Underwritten Disability Insurance

Guaranteed Standard Issue (GSI) PolicyFully Underwritten Disability Insurance
Availability: Only during residency/fellowshipAvailability: Any time if pass underwriting
True own-occupation language: Yes, specific to physiciansTrue own-occupation language: Yes, specific to physicians
Medical underwriting: None requiredMedical underwriting: Complete evaluation of health history
Pre-existing conditions: Allowed and covered, no denial if eligiblePre-existing conditions: Can lead to exclusions, higher premiums, or denial
Discounts: Up to 30% offDiscounts: Varies by carrier
Benefit increase options: Increase of up to $15,000/monthBenefit increase options: Based on parameters in Future Increase Option rider
Portability: Fully portable – moves with youPortability: Fully portable – moves with you

Both policy types are non‑cancelable with guaranteed renewal.

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 4200 West Cypress Street, Suite 700, Tampa, FL 33607, (813) 289‑3632. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Physician Financial Group is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0G99393.

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