A program for optometrists
If you can't see patients, the practice still has to run.
Business overhead expense and disability income coverage in one program, written only for optometrists. Preferred pricing, enhanced underwriting and a 10% premium discount.
The program
Two protections. One program built for optometry.
One protects the practice. One protects your income. Together they cover what a single disability policy leaves open.
Business Overhead Expense
Helps keep your practice running if you can't work due to illness or injury. It helps cover fixed costs like rent, payroll and leases while you recover.
Explore overhead coverage- Monthly benefit
- $4,000
- Benefit period
- 12 months
- Underwriting
- Limited
- Premium discount
- 10%
Individual Disability Insurance
Protects your personal income if you can't practice. Optometrists may qualify for enhanced underwriting consideration through this program.
Explore disability coverage- Protects
- Your personal income
- Medical review
- Enhanced for optometrists
- Premium discount
- 10% on issued policies
Term and Whole Life
Life coverage for optometrists, quoted alongside your disability plan so the whole picture comes together in one conversation.
Explore life coverage- Options
- Term and whole life
- Quoted
- With your disability plan
Why it matters
Your overhead doesn't pause when you do.
Studies cited by the Social Security Administration show a 20-year-old worker has a 1-in-4 chance of becoming disabled before reaching full retirement age.
Source: Social Security Administration, Disability Benefits, Publication No. 05-10029
When you step away from the exam lane, these keep coming due:
- Rent on your officeMonthly
- Staff payrollEvery period
- Equipment leasesMonthly
- UtilitiesMonthly
Overhead expense coverage helps pay eligible fixed expenses while you recover. Your agent confirms exactly what your policy covers.
How it works
Three steps. No medical questions to start.
- 01
Request your quote
A short form about you and your practice. Nothing about your health.
- 02
Review your options
A licensed agent walks you through pricing and coverage and answers your questions.
- 03
Apply
We guide you through underwriting, including the enhanced review built for optometrists.