Group vs. Individual Life insurance

Instant Term Life Insurance Quotes


Use this quick reference guide to gain a better understanding of group vs. individual life insurance. Look at your paystub or speak with your employer to find out how much you are paying for your group life insurance and then contact us so that we may design you a more comprehensive and cost effective individual policy.

Guaranteed premiums –Term life: Yes for defined periodNo
Whole life: Yes
Universal life: No
Face Amount Limited –Yes. Can exceed group limitYes
Health Based Pricing –Yes. Healthy pay lessNo
Cash Value Potential –YesNo
Portability –YesNo

Physician Disability
Insurance Experts

•  15-40% discounted premiums
•  Guaranteed approval programs
for residents / fellows
at select institutions
  •  5 minute disability and term life
insurance guides
  •  Group and association disability
plan comparisons