It is important to work with an experienced independent broker who specializes in disability insurance who not only has access to available discounts but can help you compare rates to determine which policy is most suitable at the best rate.
To obtain a unisex policy, you must work with a broker who already has available discounts for you. Otherwise, you will need to find two other people at the same employer or hospital to purchase a policy.
Some companies offer a flat 15% or 20% medical resident discount. Policies must be purchased while in medical school or training; prior to graduation.
There are a couple companies that offer an AMA discount to members of the American Medical Association. These discounts are typically 10-15% off the non-discounted rate.
Some companies will offer a 10% discount on your disability policy if you also purchase a life insurance policy with the same company. The life insurance must be at least $1,500,000 in death benefit.