Protect the Specialized Career You Worked Decades to Build.
For high-earning physicians, surgeons, attorneys, and business leaders, your specialized skillset is your largest capital asset. A single unexpected illness or injury can jeopardize millions in future earnings.
Aurexx analyzes proprietary carrier contracts across MassMutual, Guardian Life, Principal, and Ameritas to lock in non-cancellable, true own-occupation definitions tailored to your specialty.
True Own-Occupation Definition
Pays full benefits if you cannot practice in your specific medical or legal specialty.
Non-Cancellable & Guaranteed Renewable
Premiums are locked in and can never be increased by the carrier to age 65/67.
Portable Personal Policy
Coverage stays with you regardless of changes in hospital system, partnership, or state.
Specialist Underwriting
Who Needs Individual Disability Protection?
Physicians & Surgeons
Specialty medical training means an injury limiting procedural duties could end clinical income. True own-occ ensures complete benefit payouts.
Litigators & Attorneys
High billable-hour demands make cognitive and chronic pain conditions significant threats to partnership earnings.
Business Owners & Founders
No employer sick leave or safety net. Individual coverage and Business Overhead Expense (BOE) keep the company solvent.
Dentists & Orthodontists
Severe musculoskeletal strain and fine-motor precision demands make private disability insurance essential.
Executives & C-Suite
Layering individual coverage over corporate group caps to replace bonuses, equity compensation, and true earnings.
Families with Mortgages & Tuition
Ensuring multi-decade lifestyle continuity and tuition commitments remain uninterrupted.
Key Contract Provisions Evaluated by Aurexx
Frequently Asked Questions
Clear answers regarding own-occupation underwriting and claims.