Quick Call with an Advisor
Connect with a licensed advisor for a brief, no-pressure call designed to understand your goals and answer your questions. In just 15 minutes, you’ll get clear guidance and next steps—no obligation required.
Income Protection Made Easy for Medical Residents
You've invested years in your medical career, and your earning potential is just beginning.
Securing coverage during residency can lock you into lower rates, give you access to exclusive discounts, and protect your future income before you become an attending.
Start with Your Quotes
Custom Coverage in 15 Minutes—At No Cost
It takes as little as 15 minutes to explore your options and get custom policy recommendations from one of our licensed agents. We’ll guide you through the process from start to finish—making it easy to understand your coverage and feel confident in your decision.
Here’s what you can expect:
✅ 100% free service — no fees, no hidden costs, and no surprise charges
✅ A 1:1 meeting with a licensed disability insurance specialist
✅ A custom own-occupation disability plan built around your specialty, training stage, and goals
✅ A clear side-by-side look at how your options compare to your group policy
✅ Straightforward guidance with zero pressure and no obligation to buy
We’ll keep it simple, transparent, and tailored to you—so you can protect your income with clarity and confidence.
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
%20(1500%20x%202000%20px)%20(2).png?width=1000&height=1333&name=Individual%20Policy%20(1500%20x%201500%20px)%20(1500%20x%202000%20px)%20(2).png "Individual Policy (1500 x 1500 px) (1500 x 2000 px) (2)")
Custom Financial Planning
Plans Tailored to You:
Individual disability insurance policies offer customizable coverage tailored to you as a physician. You can choose from different options to suit your plan to your specific needs.
Custom Financial Planning
Plans Tailored to You:
Individual disability insurance policies offer customizable coverage tailored to you as a physician. You can choose from different options to suit your plan to your specific needs.
Consistent & Reliable Benefits
Full Benefit Amounts:
Individual policies offer consistent benefit amounts and clear, well-defined terms that minimize the risk of surprises if you need to file a claim.
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
You Control Your Policy:
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.
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
Tax-Free Benefits:
Individual policy benefits are not taxed in most cases, meaning more money in your pocket and increased financial security.
Individual policy benefits are not taxed in most cases, meaning more money in your pocket and increased financial security.
How It Works
We Shop the Top Carriers
Instead of comparing policies on your own, we shop multiple top-rated insurance carriers on your behalf. This ensures you see the best options available, all in one place, without the hassle.
Choose the Best Plan for You
With expert guidance and side-by-side comparisons, you can confidently select a plan that fits your career, lifestyle, and budget. The result is coverage that protects your income—on your terms.
%20(1800%20x%20200%20px).png "big 5 (1800 x 400 px) (1800 x 200 px)")
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.