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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: 11/2019:  All eligible for Special limits under the New Professional Program in all states (except CA and NY), are now eligible financially for $1000 month of Retirement Protection Plus coverage with up to 2000 of FIO*.

Physician First YearPhysician 2nd & 3rd Yr.Medical ResidentsDentist First Year
Dentist 2nd & 3rd Yr.Dental ResidentsAccountant/CPAArchitect
AttorneyBusiness ProfessionalComputer ScientistEngineer
Nurse PractitionerOptometristPharmacistPhysician Assistant
PodiatristPsychologistVeterinarian

 

 

 

 

 

 

 

 


Medical Fellows & Physician First Year*:

  • $6000 Month Base, $6000 Cat Rider, $14,000 FIO and up to $1000 Month RPP for: General Practice Physicians, Geneticists, Geriatricians &  Psychiatrists

  • $6500 Month Base, $6500 Cat Rider, $13,500 FIO and up to $1000 Month RPP for: Allergists/Immunologists, Anesthesiologists, Anesthetists (MD or DO only), Emergency Room Physicians, Endocrinologists, Family Practice Physicians, Gynecologists, Hematologists, Immunologists, Internists, Nephrologists, Neurologists, Obstetricians, Ophthalmologists, Pain Management Physicians, Pathologists, Pediatricians, Physiatrists (physical medicine, rehab), Pulmonologists, Rheumatologists and Surgeons (general and surgical specialties not listed)

  • $7500 Month Base, $7500 Cat Rider, $12,500 FIO and up to $1000 Month RPP for: Cardiologists, Dermatologists, Gastroenterologists, Neonatologists, Neurosurgeons, Oncologists, Orthopedic Surgeons, Otolaryngologists, Plastic Surgeons, Radiologists and Urologists

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Physician 2nd & 3rd Year*:

  • $2000 Month Base, $2000 Cat Rider, $6000 FIO and up to $1000 Month RPP

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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, $5000 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

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Dentist First Year*:

  • General Dentists: up to $4000 Month Base, $4000 Cat Rider, BPR and up to $1000 Month RPP

  • Endodontists, Pediatric Dentists, Periodontists & Prosthodontists: up to $7500 Month Base, $7500 Cat Rider, $9,500 FIO and up to $1000 Month RPP

  • Orthodontists: up to $7500 Month Base, $7500 Cat Rider, $9,500 FIO and up to $1000 Month RPP

  • Oral Surgeons: up to $7500 Month Base, $7500 Cat Rider, $9,500 FIO and up to $1000 Month RPP

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Dentist 2nd & 3rd Year*:

  • General Dentists: $2000 Month Base, $2000 Cat Rider, BPR and up to $1000 Month RPP

  • Specialty Dentists: $2000 Month Base, $2000 Cat Rider, $6000 FIO and up to $1000 Month RPP

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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 School (Follows Residency): up to $4000 Month Base, $4000 Cat Rider, $12,000 FIO and up to $1000 Month RPP

  • Dental Specialty Resident: up to $4000 Month Base, $4000 Cat Rider, $12,000 FIO and up to $1000 Month RPP

  • General Dentist Resident: up to $3500 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

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Accountant/CPA*:

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

  • Accountant/CPA 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 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

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Architect*:

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

  • Architect 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 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

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Attorney*:

  • Attorney First Year: up to $3500 Month Base, $3500 Cat Rider, $7,000 FIO and up to $1000 Month RPP

  • Attorney 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Business Professional*:

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

  • MBA Professional 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Computer Scientist*:

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

  • Computer Science 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Engineer*:

  • Degreed Engineer First Year: up to $3500 Month Base, $3500 Cat Rider, $7,000 FIO and $1000 month RPP

  • Degreed Engineer 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Nurse Practitioner*:

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

  • Nurse Practitioner 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Optometrist*:

  • Optometrist First Year: up to $3500 Month Base, $3500 Cat Rider, $7,000 FIO and up to $500 Month RPP and up to $1000 Month RPP

  • Optometrist 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $500 Month RPP and up to $1000 Month RPP

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

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Pharmacist*:

  • Pharmacist First Year: up to $3500 Month Base, $3500 Cat Rider, $7,000 FIO and up to $1000 Month RPP

  • Pharmacist 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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Physician Assistant*:

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

  • Physician Assistant 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP 

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

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Podiatrist*:

  • Podiatrist First Year: up to $2000 Month Base, $2000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

  • Podiatrist 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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

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

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Psychologist*:

  • Psychologist PhD: up to $3000 Month Base, $3000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Psychologist PhD 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

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Veterinarian*:

  • Veterinarian First Year: up to $3000 Month Base, $3000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

  • Veterinarian 2nd & 3rd Year: up to $2000 Month Base, $2000 Cat Rider, $4000 FIO and up to $1000 Month RPP

  • Veterinarian Student (Final Year): up to $2000 Month Base, $2000 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.


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Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York.  First Financial Group is authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries, and is not an affiliate or a subsidiary of Guardian. The GUARDIAN® Logo is a service mark of Guardian, used with permission. Important Disclosures:  www.guardianlife.com/disclosures  

2018-70474 Exp 01/2020