Protect Your Income without Overpaying for Being a Woman!
Get a personalized disability insurance policy designed for women to ensure you get paid if you can't work due to injury or illness.
What Do Women Need to Know About Disability Insurance?
When it comes to individual disability insurance, insurance carriers treat them differently. Many women physicians feel this is unfair and are frustrated by the fact that their rates can be significantly higher.
Why is Disability Insurance More Expensive for Women?
9.4%
of total long-term disability claims are due to pregnancy.
25%
of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition.
90%
of disabilities are due to illness, while 10% of disabilities are due to injury.
The Best Disability Insurance Carrier for Women
Save up to 40% on disability insurance for women when you get a quote from us! Principal offers gender-neutral discounts on coverage.
Why is Disability Insurance More Expensive for Women? The bottom line, since insurance companies have data showing females are more likely to have a claim and the claims statistically last longer, therefore, premiums are higher. Depending on age, female physicians generally pay 25-35% more than their male colleagues. Certain insurance carriers and discount programs can be very attractive and beneficial for women.
The Difference Between Male and Female Rates
| Monthly premium for a $5,000 monthly benefit at: | ||||
| Gender | Age 30 | Age 35 | Age 40 | Age 45 |
|---|---|---|---|---|
| Male | $136.68 | $156.06 | $206.02 | $253.31 |
| Female | $217.00 | $235.51 | $290.72 | $337.75 |
*Rates shown are for Principals HH750 product in NY. The rates are for a 5A-M occ class with own occupation, residual rider, 90 day elimination period and age 65 benefit period included. Discounts not included.
The SAME Coverage as Above WITH Gender-Neutral, Discounted Rates
| Monthly premium for a $5,000 monthly benefit at: | ||||
| Gender | Age 30 | Age 35 | Age 40 | Age 45 |
|---|---|---|---|---|
| Gender Neutral | $118.93 | $134.40 | $175.04 | $212.77 |
*Rates shown are for Principals HH750 product in NY. The rates are for a 5A-M occ class with own occupation, residual rider, 90 day elimination period and age 65 benefit period included.
DON'T DELAY: Lock in your discount. Unisex rates going away Jan 1, 2021!
A Gender-Neutral discount is when an insurance company blends rates for males and females to provide one rate. Discount programs that contain gender-neutral rates, sometimes also known as unisex rates, can result in savings up to 40% for women.
Don't Overpay for Disability Insurance - We Can Help Get You the Best Rate!
Why Choose Us
Save Money
We compare multiple insurance companies and provide you with the maximum discounts available.It's Our Specialty
We have laser-focus in all aspects of disability insurance to ensure the process is done right (no buyer's remorse).Fast & Efficient
We make a complicated process easy for you. We will move at your pace to save you time and aggravation.Trusted by Physicians
