The KeyArx LTD program is a custom designed program, which is coordinated with individual plans, that can typically bring the total cost down 30% or more from a traditional IDI (Individual Disability Insurance) and other fully underwritten individual products alone. This program offers guaranteed issue (no medical requirements) and while providing “Specialty Occupation Coverage” that covers multiple contingencies:

Plan Highlights:

  • Up to $25,000 per month of additional long-term disability (without offsetting any individual LTD coverage)

  • Retirement Provision – this continues contributions to your 401k or Profit Sharing Plan up to $60,000 per year.

  • Medical Malpractice Rider – pays the premium for traditional malpractice, risk retention or captive up to $75,000 if partially disabled

  • Business Overhead (Key Person) Rider – helps defray the overhead cost of a firm while a covered professional or key employee experiences a period of disability (up to $15,000/month for 24 months, indemnity payment). These funds can be used to bring in another professional, offset office expenses or apply toward a buy-out of disabled physician.

Best Suited for:

  • High Income Professionals: business owners, physicians, dentists, multi-specialty practices, ACO, MSO, Super Groups and hospitals. 

  • Our program currently insures more than 125,000 physicians and 10,000 practices across the nation. 

  • Best Contact: Managing Partner, Owner, CFO or Director of Practice Operations

Individual Disability Insurance

Up to $30K/month 
Tax-Fee Coverage



Guaranteed Issue Programs

Overhead & Buy/Sell

Group Insurance

Custom Designs

Up to $25K/Month Tax-Free Coverage

$5K Monthly Qualified Plan Protection

Guaranteed Issue & Voluntary Programs

Typical Benefit Increase

30-50% Net Neutral

DI Excess Coverage

Custom Designs for
Affluent Income Earners ($3M+)

Up to $250K/Month

Tax-Free Coverage

Lump Sum Payments $5M - $50M

Voluntary Programs
(Enrollment Platforms)

Jumbo Buy/Sell & Key Person