Zavitz Insurance and Jindal Financial have been specializing in the disability needs of dentists over the past 25 years.  We have extensive knowledge and experience not only in the insurance needs of dentists, but also in the practice management area.  We operate under a model we call Partners in Practice.  

Throughout your career we partner with you and with your team of professionals such as your lawyer, banker and accountant to assist you with every aspect of your practice. Whether you are considering buying or selling a practice, changing your practice plan, have a question on practice management, etc. give us a call. We will work with you and your team of professionals to find the appropriate answers.  

As a graduating dentist, you have invested a lot of time and money in your education and you are finally about to receive some payback.  Protecting that investment is a crucial step at this point in your life.  Disability insurance will provide that protection so that if an accident or sickness prohibits your ability to work and earn an income as a dentist then you will be covered.  Since you will be a self-employed professional, you are on your own to protect this financial risk.  

Luckily, there are great offers available from insurance companies to provide you with affordable, guaranteed coverage that is suitable for your needs.  
 

What is available?  

As graduating dentists, you may be unable to show an income.  Insurance companies understand that while you may not have earned an income in the past, you will in the future.  Insurance companies have therefore, come out with maximum coverage limits that you as graduating dentists can receive without having to show any financial justification.  These limits differ by insurance company.  Below please find the maximum amount of coverage available.  

As a graduating dentist you are also eligible for discounted premiums.  This discount applies not only to the base coverage purchased, but it also applies to all future increases that you make to your policy throughout your career.  This discount also varies by insurance company.  Below please find the maximum discount available.  

Graduating with specialty…………………..   $4500 > discount of 25%

Graduating without specialty ……………..   $3500 > discount of 20%

Graduates going into residency……………  $3000 > discount of 25%

Third year dental students …………………. $1000 > discount of 20%  

On top of that, you will lock in your policy when you are young and healthy rather than having restrictive provisions applied due to health or hobbies.  Once the policy is in force, it is completely guaranteed no matter what happens down the road.


What are the Benefits of an Individual Professional Contract?  

• Career policy which offers top notch protection throughout your career

• Worldwide Portability

• Fully guaranteed policy and premium

• 30, 60, 90 or 120 Day elimination period with benefits payable until age 65

• Ability to increase your policy up to $20,000/month

• Annual options to increase coverage without medical evidence until age 55

• Cost of Living Rider

• Health Care Rider

• Recovery Benefit

• No Integration of benefits if your income is reduced or of you receive benefits elsewhere  

Please check out the Dental Grad booklet for more info or contact Justine Zavitz at 519-667-0116 or justine@zavitzinsurance.com.

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