High Limit DI for Medical Professionals
Medical professionals understand how disruptive an injury or sickness can be, and the crucial role insurance plays when dealing with a disability. This makes them a significant percentage of purchasing clientele; however, many find their disability insurance needs not met by traditional insurance carriers primarily due to limited benefits, pre-existing medical conditions, and restrictive underwriting guidelines. IDU is here to fill in the gaps when the domestic market falls short.
Types of Coverage
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Personal Income Protection
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Guaranteed Standard Issue
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Key Person
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Business Overhead Expense (BOE)
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Loan Indemnification
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Buy Sell
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IDU Real Life Solution
Dr. Maureen, Age 38
OBGYN | Income of $375,000
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Dr. Maureen owns a local women's health clinic and birthing center. She is the majority owner and key revenue driver for the clinic. After purchasing a Key Person Life Insurance policy, she realized the risk of a disability could be devastating for both the business and her patients. In order to solve for this exposure, Dr. Maureen applied for a Key Person Disability Insurance Plan from IDU.
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IDU’s COMBO Solution:
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$75,000 Monthly Benefit (TTD)
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180-Day Elimination Period
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24-Month Benefit Period
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5-Year Policy Term
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$1,950,000 Lump Sum Benefit (PTD)
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Total Potential Benefit of $3,750,000
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Benefits payable to the business​
IMPORTANT DISCLOSURE: This is not an exact description of coverage.
The benefits, limitations and/or exclusions described are for general illustration purposes only and may vary by state and client profile.