RBC Medical Student Offer

What if you became the patient?

You have invested a tremendous amount of time, energy and resources to become a physician and your expertise is second to none. As such, your ability to earn an income is your #1 asset. Disability insurance is the foundation of a sound financial plan. It is the first of the “insurance building blocks” we recommend. Disability insurance replaces your income in the event you suffer an illness and/or injury that prevents you from being able to work.

Since 2003, Integrated Financial Strategies has been a trusted authority for medical students, residents & fellows as they embark on the different stages of their medical careers.

RBC Insurance – Disability Insurance Offer for Medical Students, Residents & Fellows

  • NO MEDICAL – no medical exam or blood test required.
  • FREE COVERAGE – 12 months free coverage (5 months if you are a resident or fellow).
  • Simplified 1 page application.
  • 100% Guaranteed contract that you own and control!
  • Permanent 25-40% discount.
  • Riders Include:
    • Own Occupation definition of disability.
    • Cost of Living Adjustment.
    • Future Income Option offering up to $25,000 of coverage per month.
    • HIV, Hepatitis B and C protection.
    • Convertible to Long Term Care Insurance.

Coverage Limits & Discounts

Stage of Medical Training Maximum Coverage Limit Free Coverage Period Discount Available
Final year medical student $4,500 per month 12 months Permanent 25-40% discount.
Resident Physician** $4,500 per month 5 months
General Practitioner** $7,500 per month 5 months
Fellowship Program** $8,500 per month 5 months
Specialist** $11,000 per month 5 months
**Starting in practice limits are available if you are in your final 3 months of your residency or fellowship training & your practice will commence within 3 months after your residency or fellowship ends

Flexibility for the Future:

  • Special FIO Offer – One time option at the end of your medical residency or fellowship to increase your coverage to the post-residency limits available.
  • Critical Illness Offer – Option to add up to $100,000 of Critical Illness Insurance with NO MEDICAL at any time during your eligibility or within the first year in practice.
  • Business Protection Offer – Option to add business protection (overhead expenses and/or business loans) later on with NO MEDICAL and a 15% discount.

Does RBC’s Medical Student Offer sound like a fit for you?

Click here to enroll           Reach out to learn more

I recently submitted a disability claim. It was a very stressful time for me. Mark was the third person I called. He told me, ‘you focus on getting better and we will look into what we have to do claim wise,’ and he got back to me in a day or two.

Windsor Family Physician – Disability insurance claim (spring 2020)