Click here to read about Risk Management and Insurance with disability insurance.

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                The Facts About Disability
IMPORTANT POLICY FEATURES

The Definition of Disability

Future Purchase Option - Allows you to increase your policy when your income goes up, with no medical exams

Inflation Protection - When on claim, this allows your benefit to rise each year to keep up with inflation

Catastrophic Rider - Supplemental benefits for severe disabilities

Recovery Benefit - Continued benefits when working full-time

Residual Disability Benefit

Payments for a partial loss of income

 

 

 

COMMITMENT TO SERVING THE MEDICAL PROFESSION
Our commitment to serving the Medical Profession stems back to the early 1960’s. Since then, North Star has served nearly 15,000 medical clients, educated thousands of doctors on a national basis, authored five books and numerous articles specific to medical professionals, and has contributed to various institutions for research. Here is a quick list of just some of the groups we’ve assisted:

 

- The Mayo Fellows Association
- The Mayo Clinic Residency Programs
- The Cleveland Clinic Residency Programs
- The Harvard University Residency Programs
- The University of Iowa Dental School
- The University of Missouri KC Dental School
- The University of Nebraska Dental School
- Creighton University Dental School
- The University of Arizona
- The University of Colorado Denver
- The University of Pittsburgh
- The University of Texas

- Colorado State University
- The University of Colorado
- Baylor University
- The University of Florida Dental School
- Rush University Medical Center
- University of Illinois Chicago
- Northwestern University
- University of Minnesota Dental
- University of Minnesota Medical
- The University of Iowa
- University of Minnesota Residency and Fellowship
Training Programs
 

 


 

The value proposition of a North Star advisor is that our advisors are unbiased in assisting you in choosing the right disability company among the many we have available.  North Star Advisors do not have any “first call” obligation for their business, as can be typical in the insurance industry. There is no career affiliation with “any” disability insurance company.  All North Star advisors are legally brokers and not agents of the disability insurance companies we represent.   This assures you of the right choice of companies depending on your gender, age, health, profession, specialty, sub-specialty, state of residency, and the many existing institutional discounts we have available.  While the use of a North Star advisor is your choice, rest assured that there is no additional cost to you for this.

 

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