Guaranteed Issue Disability Insurance with Permanent Discounts of up to 30% - No Medical Questions Asked!

Guaranteed Issue disability insurance with discounts up to 30%, and NO MEDICAL QUESTIONS.

Many physicians buy their first policy through a program like this: The Guardian Life Insurance Company of America extends an offer to UAB physician Residents and Fellows on a Guaranteed Standard Issue (GSI) basis.

With our online process, you can quickly and easily get the coverage you want with physician-specific benefits issued by a highly-rated insurance carrier, free from the normal underwriting hassles that can delay or prevent you from getting coverage.

Quality – Easy – Guaranteed

Guardian is an independent company. It is not a UAB vendor and is not associated with, authorized by, or endorsed by UAB.

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WHY HERE FIRST? CAUTION!

Even seemingly insignificant aspects of your medical history or activities can lead to policy limitations or outright rejection by other insurance providers. If you apply elsewhere, resulting in an exclusion, rating, or decline, you may not be eligible for the Guardian GSI offer. Don’t gamble with your financial future!

Hassles You’ll Avoid with Guaranteed Standard Issue

  • blood tests
  • health questions
  • medication review
  • long phone interviews
  • driving record checks
  • gathering physician records
  • travel history questionnaire

IMPORTANT PROVISIONS FOR PHYSICIANS

Guardian offers a unique definition of disability JUST FOR PHYSICIANS, and not found anywhere else in the industry. It’s the strongest definition of disability available to physicians!

Our enhanced definition starts with a strong True Own-Occupation Definition of Total Disability protecting your specific medical specialty occupation even if you choose to earn in another occupation or specialty as well as in some instances even your own practice without reductions to your benefit amount.

You are considered totally disabled if more than 50% of your income is from:

  • Hands-on patient care and, solely because of injury or illness, you can no longer perform hands-on patient care or
  • Performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures.

COMMON CONDITIONS THAT CAN RESULT IN EXCLUSIONS, RATINGS, OR DECLINES

The UAB GSI offer is available even if you have pre-existing conditions that would usually prevent you from obtaining coverage.

  • Stress/Anxiety/Depression
  • Build/BMI
  • Chiropractic History
  • Pregnancy/Infertility
  • Diabetes
  • Cancer History
  • Travel

ADDITIONAL BENEFITS

  • Keep the policy and the discounts after you leave UAB
  • Future increase options annually up to $15,000 total benefit
  • Catastrophic Disability Benefits (CAT)
  • Student Loan Riders (SLR)

OTHER HOSPITALS WITH GUARDIAN GSI DISABILITY INSURANCE OFFERS

Guardian is one of the premier disability insurance companies for physicians nationwide. In addition to UAB, Guardian GSI disability insurance offers are available for Residents and Fellows at 75+ other premier hospitals across the country.

CONTACT INFORMATION

Our local office has served UAB physicians with GSI disability insurance for 40+ years. The exclusive plan administrators of this offer can provide more information.

If you require additional information or would like to discuss your options in detail, feel free to call (And rest assured, we will never sell your personal info.)

Parks Lee

(205) 540-8571 | parks@redmountainfinancial.net

Todd Talbot

(205) 586-5007 | todd@redmountainfinancial.net
California Insurance License #4058029

Red Mountain Financial is not an affiliate or subsidiary of PAS or Guardian. No medical questions asked for eligible applicants.

7217908.1 Exp: 10/30/26