Disability insurance rates are typically lowest for individuals who are young and in good health. Accordingly, resident physicians who invest in an individual disability insurance policy often enjoy the lowest premiums available. Due to the limitations of the group disability insurance plans offered by residency programs, purchasing a guaranteed renewable individual or supplemental policy is prudent in light of a resident’s future income potential. Physician’s Disability Insurance Agency helps resident physicians lock in low disability insurance rates and protect their future through a policy tailored to their unique needs.