How can Attend help me with disability insurance?

Attend connects physicians with high-quality, well-priced disability insurance products. We carefully curate policies, gather quotes for comparison, and handle all the legwork from start to finish.

Why should I trust Attend?

Attend is a personal finance company for physicians with a mission to improve the financial wellness of physicians. Unlike a traditional personal finance company, many of our team members are physicians who understand the challenges physicians face when managing their finances. At Attend, we are on a mission to change that.

Does Attend charge a fee for insurance services?

No, Attend does not charge a fee for insurance services.

Is Attend an independent agent?

Yes! You must go through an agent who represents insurance companies. Attend Insurance Agency, LLC is an independent agent for several carefully selected insurers. We help you compare policies from the best insurers without bias toward any individual insurer.

Which carriers are available through Attend?

We offer policies from Ameritas, Guardian, MassMutual, Principal, and The Standard. The physician community widely views these five carriers as the only ones that provide highly-robust policies appropriate for physicians.

Are the policies that Attend offers "true own-occupation," "guaranteed-renewable," and "non-cancellable"?

Yes, yes, and yes! We only construct policies for physicians. And we carefully craft policies for the unique career needs of physicians. That means we only offer policies with the most secure coverage ("true own-occupation") and which the insurer cannot change or cancel ("guaranteed-renewable" and "non-cancellable").

Does Attend offer Individual Disability Insurance policies or Group Disability Insurance policies?

Attend offers Individual Disability Insurance policies. Group Disability Insurance (usually called Group Long-Term Disability Insurance) is only offered directly through your employer. Many physicians purchase Individual Disability Insurance because it is portable (you can take it between jobs), tax-efficient (the benefits are not taxable, unlike with a Group policy), and provides more excellent coverage that is more appropriate for a high-income professional. That said, Attend will always help you understand what Group (employer-sponsored) benefits are available to you and recommend how to coordinate your Individual Disability Insurance coverage with your Group (employer-sponsored) coverage.

Can you help physicians find Guaranteed Standard Issue (GSI) policies?

Yes! Guaranteed Standard Issue policies are often offered exclusively by a single agent to residents and fellows of specific institutions. Because they do not require medical underwriting, these policies can be godsends for physicians with pre-existing medical conditions. Unfortunately, we have found that uninformed or financially conflicted agents withhold information about these policies from clients, including those with health conditions. As an agent that puts physician interests ahead of our own, Attend vows to assist all physicians in understanding if a GSI policy is available to them, and if we cannot offer the policy, we connect the physician to an agent who can.

Do you have access to discounts?

Yes! We pride ourselves on finding the best available discounts for our physician clients. Discounts are linked to your institution or career stage. An experienced agent will understand how to maximize your discounts.

If I already have a disability insurance policy, can you help me increase the benefit amount?

Yes! If you have previously purchased a disability insurance policy with a "future increase option," whether through Attend or elsewhere, we can generally help you increase your benefit.

What does Attend's process look like?

The process includes: Quote request (less than 5 minutes), Quote presentation (30 minutes), Application submission (30 minutes), and Policy approval.

How long does it take to purchase a policy?

It depends! In simple cases, it may take 1-2 weeks from applying to receiving a policy approval. In complex cases, it may take 2-3 months.

Disability Insurance for Doctors, by Doctors

Navigating the world of disability insurance is confusing and time-consuming. That’s why our team is here to help you every step of the way.

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How We’re Different

During my third year in residency, I remember casually mentioning to a good friend and financial advisor that I knew I needed to set up a disability insurance policy. I knew it was important, but like most trainees juggling long hours, exams, and rotations, I kept putting it off. I told myself I’d take care of it “when things slowed down.”

They never did.

Just three months later, I was diagnosed with Type 1 diabetes. Overnight, I went from being fully eligible for coverage to being completely uninsurable for disability insurance.

That experience has stayed with me. Losing the ability to protect my income—not because I didn’t want it, but because I waited too long—was a lesson I learned the hard way. And it's the reason I speak so openly about it now.

If you’re healthy today, please don’t wait. Your ability to work and earn an income is your greatest financial asset. Protect it while you still have the opportunity to do so.

Start your quote today. Your future self will thank you.

Dr. Ritu Modi
Chief Medical Officer

Protect your future earnings with guidance you can trust.

Our physician-vetted insurance providers include:

A Physician-Led Team Specializing in Wealth Management for Physicians

Most corporate professionals share common ground in their careers, so financial advisors might feel that off-the-shelf insurance solutions could be adequate for their needs. But the life of a doctor is anything but common. And generic solutions will never address your specialized goals and challenges. You deserve specialized care.

Like you, we’re different from the rest. Our founding team includes practicing physicians, and we maintain a clinical advisory board with representation from around the country. With our deep understanding of the healthcare world, we’re able to consult on everything from student loan repayment strategies for doctors to retirement planning for doctors.

Disability insurance made simple.

We do the legwork to save you valuable time and energy when applying for disability insurance.

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Let’s Chat About Your Priorities and Find the Right Strategies

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Guidance You Can Trust

Just as physicians adhere to strict ethical standards to prioritize patient care, confidentiality, and integrity, we uphold a fiduciary commitment to put your interests first. Our legal and ethical obligations, combined with the fact that we’re independent and not tied to any one company, prevent our advice from being influenced by commissions or outside pressures.

Our client-focused philosophy means you can trust every recommendation we make, knowing it’s designed to give you the right path toward financial success.

Independence from debt

Medical school debt is one of the most challenging hurdles to overcome. An actionable plan to right-size your debt over time can be the difference between loving or regretting a career in medicine.

Freedom to pursue your purpose

Answer a few questions and receive a plan that tells you the steps you need to take on the road to financial freedom.

Be the doctor you want to be

Without the heavy burden of financial stress about your future weighing you down, you're more able to focus on the here and the now and be present for your patients.

Answers to Frequently Asked Questions

Let’s Work Together on Your Physician Financial Planning

Balancing a busy medical career with financial planning can feel overwhelming, even impossible. We get it. Our Atlanta-based financial advisors are here to simplify the process, helping you break down complex decisions into clear, tangible steps. With your goals and best interests always at the forefront, you can move forward confidently, knowing your financial future is solid.

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