Business Details
50+ Years
experience
Physician Disability Insurance Experts
At DI4MDs, we have dedicated over 50 years to serving the medical community with specialized disability and life insurance solutions tailored for physicians. Our mission is to educate physicians on mitigating financial risks associated with disability, ensuring they maintain control over their policies through non-cancelable, guaranteed renewable plans. With a focus on individual and group coverage, we provide personalized service to military doctors, residents, fellows, and practicing physicians nationwide. Our team prioritizes client needs, offering policies that protect income based on specialty-specific definitions of disability. We emphasize transparency, avoiding hidden clauses, and ensuring policies remain portable and adaptable to evolving financial needs.Our expertise spans risk assessment, policy customization, and advocacy during claims, supported by partnerships with leading insurers like Ameritas, Guardian, and UNUM. Clients benefit from discounted rates for military physicians, guaranteed approval programs for residents, and comprehensive guides to navigate insurance complexities. With offices in San Diego and nationwide reach, we combine decades of experience with a commitment to client-first service, ensuring physicians secure the maximum benefits aligned with their careers and personal circumstances.
Services
Disability Insurance
Life Insurance
Group Disability Plans
Military Physician Coverage
Resident Disability Insurance
Details
- Year established: 1975
Highlights and features
- We offer non-cancelable, guaranteed renewable policies for long-term security.
- Our team provides personalized service tailored to physicians' unique needs.
- We specialize in discounted disability coverage for military physicians nationwide.
- Our policies feature specialty-specific definitions of disability for comprehensive protection.
- We have over 50 years of experience serving the medical community with integrity.
What people say
Personalized service
Knowledgeable staff
Reliable coverage
Easy claims process
Discounted rates
Services
Disability Insurance
Our disability insurance policies protect physicians' income if they become unable to practice their medical specialty due to illness or injury. These plans feature non-cancelable, guaranteed renewable terms with specialty-specific definitions of disability, ensuring benefits continue even if the physician works in another field. We offer coverage up to $30,000 monthly, with options for military physicians, residents, and practicing doctors nationwide.
Life Insurance
We provide term life insurance solutions designed for physicians' unique financial needs, offering instant quotes and customizable coverage amounts. These policies ensure financial security for dependents, covering expenses like funeral costs, debt repayment, or education. Our plans accommodate residents, fellows, and practicing physicians, with streamlined underwriting and competitive rates tailored to individual risk classifications.
Group Disability Plans
Our group disability insurance helps medical practices supplement individual policies, offering guaranteed approval options without medical underwriting. These plans provide benefits based on billable procedures performed prior to disability, with monthly maximums up to $15,000. We cater to solo practitioners and larger groups, ensuring portable coverage that adapts to changing income levels and practice structures.
Military Physician Coverage
We specialize in discounted disability insurance for active-duty military physicians, addressing gaps in government-provided coverage. These policies offer guaranteed issue programs with specialty-specific protections, ensuring income replacement if service members cannot practice their medical specialty post-discharge. Our team understands military physicians' unique risks, providing tailored solutions with nationwide availability.
Resident Disability Insurance
Our resident disability insurance offers guaranteed approval plans for medical trainees, locking in affordable rates before career transitions. These policies protect future earning potential with specialty-specific definitions, ensuring benefits remain intact even if the physician's health declines later. We partner with training programs nationwide to provide discounted, portable coverage for residents and fellows.
People
Andy G. Borgia
Co-Founder
Andy Borgia, co-founder of DI4MDs, has over 40 years of experience in life and disability insurance, specializing in physician coverage. A Chartered Life Underwriter, he advises thousands of medical professionals nationwide and prioritizes client-first service through independent, unbiased recommendations.
D.K. Unger
Disability Insurance Specialist
D.K. Unger brings a decade of expertise in analyzing disability insurance policies, advocating for favorable underwriting decisions. He focuses on balancing affordability with comprehensive coverage, ensuring clients receive tailored plans that meet their specific needs and financial goals.
Catherine M. Borgia
Financial Administrator
Catherine Borgia manages financial transactions and producer license renewals for DI4MDs. With a business management degree from Arizona State University, she ensures seamless administrative operations while supporting large physician group clients with billing and compliance requirements.
Emily Potgeter
Administrative Executive
Emily Potgeter oversees administrative operations at DI4MDs, leveraging her finance and education background. She facilitates client communications and policy management, ensuring efficient service delivery while maintaining a client-focused approach to insurance solutions.
Questions
What defines 'disability' in your policies?
Our policies use 'own-occupation' definitions, paying benefits if you cannot perform your medical specialty, even if you work in another field.
Do you cover partial disabilities?
Yes, our policies provide residual benefits for partial disabilities, paying when income drops below 15-20% of pre-disability levels.
Are benefits available for presumptive disabilities?
Yes, we offer coverage for presumptive disabilities like loss of limbs or senses, with lifetime benefits depending on policy terms.
What's the maximum monthly benefit?
Up to $30,000 monthly through combined policies, based on income, specialty, and state regulations.
Can policies be canceled or rates increased?
No, our non-cancelable, guaranteed renewable policies prevent rate hikes or cancellations once issued.
Do you offer inflation protection?
Yes, we provide cost-of-living adjustment riders to maintain benefit value against inflation over time.
