Students and Residents

Different needs and issues develop and become more important over time. At Zavitz we understand complexity. We’ve mapped our products, services and planning considerations to take into account each phase of your life, and the strategies that go along with it.

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As a student in a professional program, you have invested a lot of time and money in your education and protecting that investment is a crucial step at this point in your life.

 Income replacement insurance will provide you with a monthly payment in the event that an accident or sickness prohibits your ability to work and earn an income. Since you will soon be a self-employed professional, you are on your own to protect this financial risk.

There are special offers for many professional programs, not limited to medicine, dentistry, pharmacy, veterinary, law, accounting, and optometry, which will allow you to protect this risk as a student.

Why Do I Need Income Protection (Disability Insurance) as a Student?

Throughout your career, the amount of disability insurance that can be obtained is tied to your income. However, as a student, or in the first few months of your career, you can obtain a set amount of coverage with no income requirement.

As a professional, you can expect that your income will increase over time.  Disability Insurance plans can include a feature that will allow you to increase your coverage annually, to keep pace with your increasing income.  

You are not required to be actively working in your profession to make a claim. If you were to suffer an accident or sickness while in school or training, you would be able to make a claim under your policy to assist with your costs of daily living.

As you age, the premiums for insurance increase. By applying for the coverage now you are locking in a lower premium rate.

Often as a student, or in the first few months of your career, you are eligible for premium discounts that will continue for the lifetime of your plan and will be applicable for all future increases to your policy. This results in huge savings over your lifetime! There may be other offers available to you depending on your field of study. Contact our office to learn more.

Since many of the special offers expire once you have started your career, it is best to reach out to one of our advisors before you graduate. However, the sooner you start planning for your financial future, the sooner you are protected and the lower your rates might be!


To learn more about our planning and products, please click here.


“You are not immune!”


Mapping the Zavitz Way