Disability & Life Insurance Options for Medical Professionals

Protect the income behind your career with association benefit programs designed for eligible medical professionals across the United States.

Review Your Eligibility What Does Guaranteed Issue Mean?

MPBA disability income protection

A guaranteed-issue opportunity for eligible medical professionals

MPBA states that eligible medical professionals are guaranteed approval for up to $5,000 per month of disability income protection without a medical exam. The plan is designed to help replace income following a covered sickness or accident.

Program highlights

Monthly benefits available up to $5,000
Benefits may begin after 14 days of covered disability
Coverage for covered sicknesses and accidents
No medical exam for the designated guaranteed-issue amount
Benefits paid in addition to other qualifying disability coverage

Additional provisions

Pre-existing conditions may be covered after the first policy year
Maternity may be treated as a covered sickness
Workers’ compensation coordination may apply
Coverage and benefit limits depend on eligibility and policy terms
Availability and provisions may vary by state

Life insurance

Protect the people and responsibilities depending on you

MPBA members may also have access to term, whole life, and universal life insurance options. Life insurance underwriting, available amounts, and policy features vary by product and carrier; not every MPBA life product is guaranteed issue.

Income replacement for loved ones

Mortgage and household obligations

Education and long-term family goals

Final expenses and estate needs

Who may be eligible?

Eligibility is determined by the association program and the applicable insurance policy. Medical professionals can include physicians, dentists, nurses, advanced-practice clinicians, allied-health professionals, and other qualifying occupations.

Guaranteed issue is product-specific. It refers to approval within designated benefit limits for eligible applicants. Active-at-work status, occupation, age, income, state availability, effective-date rules, exclusions, and other provisions can still apply.

Your Approved Benefit Advisor

Clear guidance from eligibility through enrollment

SCC Insurance Group is an independent insurance agency contracted through Tower Insurance Services, Inc., the Insurance Master General Agency endorsed by MPBA. Sebastian Cuadrado serves as an Approved Benefit Advisor and helps medical professionals understand the available program, costs, limitations, and application process.

Visit the MPBA website →

See whether the MPBA program fits your needs

Request a personal review of your occupation, income, current benefits, and available coverage.

Schedule an MPBA Benefits Review

This page is a general summary and is not a contract of insurance. SCC Insurance Group is an independent insurance agency and is not the Medical Professionals Benefit Association or a government agency. Eligibility, benefit amounts, costs, active-at-work requirements, state availability, policy terms, pre-existing-condition provisions, limitations, and exclusions apply. Refer to the applicable policy and certificate for complete details.