MGIS

Insurance Doctors Expect

Specialty Solutions

Overview

MGIS (formerly Medical Group Insurance Services) is the nation's leading insurance program manager specializing in disability and life insurance designed exclusively for physicians, dentists, and healthcare professionals. Founded in 1969 in the San Francisco Bay Area by Dale Brunken, the company pioneered doctor-specific income protection at a time when medical professionals joining group practices were limited to one-size-fits-all blanket coverage. MGIS has spent over 50 years as the innovation leader in physician disability insurance, developing products that address the unique professional and income characteristics of medical and dental specialists.

MGIS operates as an MGA/program manager, partnering with Reliance Matrix and Certain Underwriters at Lloyd's to back its programs. The company markets products exclusively through a select network of independent insurance brokers and advisors, providing them with specialist expertise, marketing resources, and dedicated implementation support to grow doctor-group disability business. In January 2025, MGIS expanded its programs to cover Advanced Practice Clinicians (APCs), including nurse practitioners and physician assistants, reflecting the growing role of APCs in delivering primary care across the United States.

Products & Services

Disability Guard for Doctors

MGIS's flagship product combining the best features of individual disability insurance (IDI) with the cost and underwriting advantages of group long-term disability (LTD). Backed by Reliance Matrix and Certain Underwriters at Lloyd's.

Key Features

Own-occupation disability definition based on actual CPT/CDT procedure codes performed by each individual doctor in the 12 months prior to disability onset
Guaranteed issue -- no individual proof of health or finances required
Voluntary retraining benefit at no additional cost
Per-occurrence limits for mental health and substance abuse (not lifetime aggregate)
No mandatory rehabilitation requirements, no part-time work termination clauses
No self-reported condition limitations (carpal tunnel, chronic fatigue, etc.)
Accounts for lagged income, bonuses, and K-1 partnership earnings in pre-disability calculations
Optional retirement plan contribution rider during disability
Integrated absence management solution for doctor group practices

Target Users: Physician and dentist group practices of all specialties and sizes, including hospital-employed, private practice, and academic medicine settings. Extended to Advanced Practice Clinicians (APCs) in 2025. Also available for veterinarians.

Distribution: Select independent insurance brokers and advisors nationwide

High Limits Disability Insurance

Supplemental disability coverage designed for high-earning physicians who face income-protection gaps even with existing group or individual coverage.

Key Features

Up to USD 20,000 per month in additional disability benefit
Maximum benefit period of 60 months
Procedure-based disability definition (CPT/CDT codes)
Up to 24-month payout for mental/nervous or drug/alcohol conditions
Multi-Life Declaration underwriting -- no individual underwriting for qualifying groups of 5+
Supplements existing individual and group LTD policies to reach up to 70% income replacement
Online application and enrollment capabilities

Target Users: High-income physicians (and eligible groups of 5 or more doctors)

Distribution: Select independent insurance brokers and advisors nationwide

Short-Term Disability, Group Life, and AD&D

Supporting programs available for medical and dental group practices alongside core disability products. Extended to Advanced Practice Clinician groups in 2025.