REFERRAL PARTNER PROGRAM
Your clients deserve specialist-level disability coverage.
We’re the insurance partner financial planners trust to protect their physician, dentist, and high-income professional clients — with true own-occupation DI, life, and specialty coverage that actually holds up.
$0
FEES, EVER
45+
YEARS IN BUSINESS
Big 5
DI CARRIERS
Independent
BROKER
ACTIVE REFERRAL PROTECTED
✓ Your client is covered. You stay the trusted advisor. We handle all insurance details end-to-end.
THE PROBLEM
Disability insurance for doctors is a specialty. Most advisors know it.
Physician clients have unique underwriting profiles, specialty-specific definitions, and carrier nuances that generic insurance quoting tools and GPs don’t handle well.
True Own-Occupation
Physician-grade policies with specialty-specific own-occ definitions — not watered-down group coverage.
Specialty Expertise
We know the underwriting differences between an ER doc vs. a surgeon vs. a resident — and place accordingly.
You Stay Primary
We never cross-sell financial planning. Your client relationship is yours. We handle insurance and nothing else.
Full-Service Placement
Application, underwriting, placement, and ongoing service — we handle it all so you don’t have to.
What advisors are dealing with:
- ✗Client asks about disability insurance — you’re not licensed or not specialized
- ✗Referring to a general agent who over-insures or cross-sells annuities
- ✗Quoting tools that don’t account for physician specialty, residents, or health history
- ✗Slow turnaround and zero feedback loop on referred clients
WITH DDQ AS YOUR PARTNER
- ✓Instant referral process — one form, we take it from there
- ✓Big 5 DI carriers: Guardian, MassMutual, Principal, Ameritas, The Standard
- ✓Transparent updates — you know where every referral stands
- ✓No conflict of interest, ever — insurance only, no wealth management
PROCESS
From referral to placed policy — we make it simple.
A clean, professional process you can describe to clients with confidence.
You Apply to Partner
Complete a quick onboarding form. We confirm fit and set up your referral profile within 1 business day.
You Send a Referral
Submit a client’s basic info through your referral portal or email. Takes 2 minutes.
We Work the Case
DDQ contacts your client, runs quotes across carriers, and handles all underwriting and placement end-to-end.
Client Gets Covered
Policy placed. You’ve added real value to your client’s financial plan without spending a minute on insurance details.
PRODUCTS
What we place for your clients
Disability Insurance
True own-occupation policies for physicians, dentists, and high-income professionals. Specialty-specific definitions, benefit periods to age 65, and residual/partial riders.
Guardian · MassMutual · Principal · Ameritas · The Standard
Life Insurance
Term, whole life, and universal life structured for physicians in high-income years and estate planning needs.
Term Life · Whole Life · Universal Life · IUL
Individual Health Insurance
Health coverage for self-employed physicians and practice owners not covered by an employer plan — including ACA marketplace and private plans.
Self-Employed · Practice Owners · ACA Marketplace
Resident & Fellow DI
Guaranteed standard issue programs available during residency — locking in insurability before health issues arise.
GSI Programs · Residents · Fellows
Group Benefits for Employers
Employer-sponsored group benefits for medical practices — health, dental, vision, life, and disability bundled.
Group Health · Dental & Vision · Group Life
Buy-Sell & Key Person
Disability buy-sell funding and key-person coverage for multi-physician practice arrangements.
Buy-Sell Funding · Key Person DI · Partnerships
CLIENT PROFILES
Clients we place coverage for every week
If your client is a high-income healthcare professional, we’ve likely placed a similar profile — and know which carrier offers the best terms.
Physicians & MDs
All specialties — primary care, hospitalists, surgical, ER. Own-occ with specialty definitions.
Dentists & DOs
General practitioners, oral surgeons, orthodontists — manual specialty coverage nuances handled.
Attorneys & Lawyers
High-income legal professionals — partners, associates, and solo practitioners.
Residents & Fellows
GSI programs that lock in insurability during training — before income and health create barriers.
Healthcare Systems
Employed physicians transitioning from group to individual coverage or supplementing group plans.
Pharmacists & PAs
Allied health professionals with high-income risk profiles and often-overlooked coverage gaps.
Practice Owners
Needing personal DI, group benefits for staff, and life insurance.
High-Income Professionals
Any professional earning $200K+ who understands the cost of not being covered.
OUR PROMISE
We stay in our lane — always.
When you refer a client to us, we handle only the insurance need that prompted the referral — nothing more. We don’t hold a securities license, we don’t offer financial planning or investment advice, and we have no interest in becoming your client’s advisor. We are an insurance brokerage, full stop.
✓ We contact your client about the specific insurance need you referred — and only that
✓ We never pitch your client on additional products outside the scope of your referral
✓ We hold no securities license and offer no competing financial or investment services
✓ Your client relationship stays yours — we always position you as their primary financial advisor
WHY ADVISORS CHOOSE US
Built for the advisor relationship, not around it.
We’ve structured our entire referral partner program to make you look good to your clients and keep your workflow clean.
Our commitment to partners
- ✓Your referred clients hear from us within 1 business day
- ✓We never pitch services outside our lane — insurance only
- ✓No minimum referral volume required to stay active
- ✓Clients always know they were sent by you
- ✓Multi-carrier quotes delivered within 3–5 business days
“We built our reputation on relationships, not volume. When a financial planner trusts us with their client, we treat that referral the same way we’d treat a family member.”
— David Goldenzweig, Co-Owner, DDQ
“A financial planner referring a physician client to us is extending their own credibility. We take that seriously — fast responses, clear communication, and no surprises. Your client should feel like they’re in expert hands from the first call.”
— Jason Goldenzweig, Co-Owner, DDQ
FOR LICENSED ADVISORS
If you hold a life and health insurance license, referral compensation may be available on placed policies. Details are discussed during onboarding — just mention your license when you apply.
GET STARTED
Apply to Become a Referral Partner
Fill out the short form and we’ll follow up within one business day to confirm your partner status and get your referral link set up.
Referral Partner Application
Takes about 2 minutes. No commitment required.
By submitting, you agree to be contacted by DoctorDisabilityQuotes.com about the referral partner program. We do not share your information with third parties.