Personalized, portable disability insurance policies — customized for physicians.
Expert guidance from licensed agents to help you secure the right coverage — without any confusion or costs.
Schedule your free consult with one of our agents and get your personalized quotes in as little as 15 minutes.
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Most Employer Plans Miss the Mark
Your ability to practice medicine is your biggest asset—and it deserves real protection. Employer plans might seem like they’ve got you covered, but they often come with gaps that matter. Individual coverage is built to protect you.
Quickly Compare Individual Coverage vs. Employer Plan
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Custom Financial Planning
Custom Financial Planning
Consistent & Reliable Benefits
Individual policies offer consistent benefit amounts and clear, well-defined terms that minimize the risk of surprises if you need to file a claim.
Continued Coverage
Individual policies follow you if you switch jobs. They’re also typically non-cancelable and guaranteed renewable, meaning they can’t be canceled or changed.
Full Payouts
Individual policy benefits are not taxed in most cases, meaning more money in your pocket and increased financial security.
Frequently asked questions
When should physicians buy disability insurance?
Most advisors recommend purchasing disability insurance during medical school, residency, or fellowship, because:
- Premiums are lower when you’re younger
- You can lock in coverage before health issues arise
- You can increase coverage later as income grows
How are disability and life insurance rates determined?
This is based on your age, health, income, personal history, and state you practice. Once all these details are gathered, the insurance company runs an algorithm with your information to finalize a premium.
Why do residents buy disability insurance before becoming attendings?
Starting coverage early allows residents to:
- lock in insurability
- secure strong policy features
- Add coverage later using increase options
This approach protects future earning potential while keeping costs manageable early in your career.
How is Pattern different from other insurance companies?
We know how it feels to get ripped off, and we know that your time is valuable. That’s why we’ve helped thousands of doctors get the financial protection they need in a fast and simple way. We’re able to do that because we’re an independent broker, which means that we can get you quotes from different companies that will help you be confident you’re getting the perfect policy for you.
What’s the process look like?
We’ve developed a simple plan that allows you to relax while we do the heavy lifting. The first step is simply to request your quotes. The second is to compare the policy options that we put together for you and get answers to any questions you have. And the third is to apply and buy risk-free.
How much does Pattern charge for its services?
Nothing! We will never charge you until you decide to purchase a policy from us—and even then, it will only be the premium to the insurance company. All our additional services, including comparing plans and reviewing quotes, are complimentary.