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Underwritten by Sun Life Financial Insurance Companies

Absolute assurance — LTD, STD, Life, AD&D

Disability income-protection insurance for doctors and dentists in group practice—all sizes and all specialties.

Physicians, dentists, and practice owners need insurance specifically designed to safeguard their business and financial security. Coverage should consider the actual procedures they perform, delving beyond standard group insurance industry definitions. Likewise, as they advance in their career, income growth shouldn’t outstrip the limits available within their Individual Disability Insurance (IDI). Yet it can.

Our incomeprotect® group insurance acts as an IDI supplement offering coverage exclusively designed to protect the healthcare provider with higher earnings and expectations. We step in to shrink the gap left by IDI as incomes rise, providing the coverage they need with a policy that mirrors key provisions of their IDI, the “gold standard” for income protection, easily stacking right on top without offsets.

Watch videos about how incomeprotect® supplements individual insurance »


Our IDI-like coverage addresses their exact needs, founded on our unique “own procedures” definition of disability, which is based on their actual CPT/CDT procedures during the previous 12 months. Policyholders can now acquire the assurance of both the right amount and the right type of coverage. And MGIS is the only insurance organization in the country to do so, protecting each practitioner with benefits they need without an ounce of compromise. Beyond this, we give policyholders a choice to work, with no hidden limitations plus generous partial benefits for those opting to work in some capacity.

Group benefits under incomeprotect® include IDI-Supplement disability, short-term disability, group life, and Accidental Death and Dismemberment (AD&D) coverage along with extra programs to assist with the type of travel, family, legal, and financial matters faced by the healthcare professional. We also make those benefits available as employer paid or on a voluntary basis while providing a claims team solely focused on the financial and occupational complexity of physician disability.

Partner with MGIS and deliver the right programs to help medical professionals and practices compete with simplified administration through a single benefits provider. We manage the entire process for you, from underwriting through onboarding and beyond complete with the convenience of a single point of contact through a licensed MGIS account service manager.

Contact us to learn how you can expand your brokerage and close more deals in the medical space »

MGIS Celebrates Its 50th Anniversary