Forgot your password? First time user?
Request a Quote

Special Limits for New Professionals Program




The Special Limits for New Professionals Program helps eligible new professionals obtain high-quality disability income insurance without proof of income.  Our popular graded premium option can help to make the initial cost of coverage more affordable while you are establishing your new career. 

New: 2022:   All first year limits now extended to first 24 months post graduatioin 

Physician First YearMedical ResidentsDentist First YearDental Residents
Accountant/CPAArchitectAttorneyBusiness Professional
Computer ScientistEngineerNurse PractitionerOptometrist
PharmacistPhysician AssistantPodiatristPsychologist
Veterinarian

 

 

 

 

 

 

 

 


Medical Fellows & Physician First 
Two Years*:

  • $7500 Month Base, $8000 Cat Rider, $22,500 FIO and up to $1000 Month RPP

Return To Top

 


Medical Residents and Students*:

  • Note: Medical Residents are eligible for the higher above first-year medical limits if within 6 months of their
    program graduation date.

  • Residents (All years): up to: $5000 Base, $8000 Cat Rider, $15,000 FIO and up to $1000 Month RPP

  • Senior Medical Students: up to: $2500 Base, $2500 Cat Rider, $7500 FIO and up to $1000 Month RPP

Return To Top

 


Dentist First 
& Second Year*:

  • General Dentists & Dental Anesthesiologists: up to $5000 Month Base, $5000 Cat Rider, BPR and up to $1000 Month RPP

  • Endodontists, Oral Surgeons, Orthodontists, Pediatric Dentists, Periodontists & Prosthodontists: up to $7500 Month Base, $7500 Cat Rider, BPR and up to $1000 Month RPP
     

Return To Top

  


Dental Residents and Students*:

  • Note: Dental Residents are eligible for the higher above first-year dental limits if within 6 months of their program graduation date.

  • Dental Specialty Resident: up to $5000 Month Base, $5000 Cat Rider, BPR and up to $1000 Month RPP

  • General Dentist and Dental Anesthesiologist Resident: up to $5000 Month Base, $3500 Cat Rider, BPR and up to $1000 Month RPP

  • Senior Dental Student: up to $2100 Month Base, $2100 Cat Rider, BPR and up to $1000 Month RPP

Return To Top

 


Accountant/CPA*:

  • Accountant/CPA First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Accounting Student (Final Year): up to $1500 Month Base, $1500 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top

 


Architect*:

  • Architect First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Architect Student (Final Year): up to $1500 Month Base, $1500 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top


Attorney*:

  • Attorney First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

  • Law School Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

Return To Top

 


Business Professional & Data Analysts*:

  • MBA Professional First & Second Year: up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

  • MBA Program Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

Return To Top

 


Computer Scientist*:

  • Computer Science First & Second Year: up to $2500 Month Base, $5000 Cat Rider, $5,000 FIO and up to $1000 Month RPP

  • Computer Science Student (Final Year): up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top

 


Engineer*:

  • Degreed Engineer First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and $1000 month RPP

  • Engineer Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

Return To Top

 


Nurse Practitioner*:

  • Nurse Practitioner First & Second Year (Certified): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Nurse Practitioner Senior in School: up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top

 


Optometrist*:

  • Optometrist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

  • Optometry School Student (Final Year): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

Return To Top

 


Pharmacist*:

  • Pharmacist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

  • Pharmacy School Student (Final Year): up to $2500 Month Base, $5000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top

 


Physician Assistant*:

  • Physician Assistant (PA) First & Second Year (Certified): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Physician Assistant (PA) Senior in School: up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

Return To Top

 


Podiatrist*:

  • Podiatrist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

  • Podiatry Resident: up to $1000 Month Base, $2000 Cat Rider, $2,000 FIO and up to $1000 Month RPP

  • Podiatry Student (Final Year): up to $1000 Month Base, $2000 Cat Rider, $2,000 FIO and up to $1000 Month RPP

Return To Top

 


Psychologist*:

  • Psychologist PhD First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

Return To Top


Veterinarian*:

  • Veterinarian First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

  • Veterinarian Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

 

*All applicants (except in NY or CA) who qualify under our Special Limits for New Professionals Program are eligible for up to $1,000 of RPP (rider or stand-alone policy). RPP is not available in CA. Applicants in NY who qualify under our Special Limits for New Professionals Program may apply for RPP; however normal financial underwriting guidelines for RPP will apply and applicants must be contributing to a qualified plan that has been in existence for at least one year.  3D Dentists are not eligible for the FIO rider.


Return to Home

Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York Financial Growth Partners is the DBA name of IA PA, LLC a wholly owned subsidiary of Guardian. The Guardian® Logo is a service mark of Guardian, used with permission. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This website contains the opinions of the author but not necessarily those of The Guardian Life Insurance Company (Guardian), New York, NY or its subsidiaries and such opinions are subject to change without notice.  Important Disclosures: www.guardianlife.com/disclosures  Terms and Conditions    Privacy Policy

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC.  OSJ: 11350 McCormick Road, Executive Plaza III, Suite 202, Hunt Valley, MD 21031, (667) 318-0801. Securities products and advisory services offered through PAS, member FINRA, SIPC. PAS is a wholly owned subsidiary of Guardian Life Insurance Company of America® (Guardian), New York, NY. Financial Growth Partners is the DBA name of IA PA, LLC a wholly owned subsidiary of Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This website contains the opinions of the author but not necessarily those of The Guardian Life Insurance Company (Guardian), New York, NY or its subsidiaries and such opinions are subject to change without notice. 

2020-96052 (Exp. 3/22) Pre Log in

2021-118740 Exp. (Exp. 3/23)  Post Log in