Video transcript
Presented by Jack Howard, Seaworthy Insurance.
In the quote study we ran across the five major carriers in 2026, a 35-year-old male general dentist pays $496 to $657 a month for $10,000 a month of true own-occupation coverage with the full rider package. A female general dentist pays $768 to $1,111 for the same policy, because the carriers rate the two sexes differently. Those are the sticker prices. Add a specialist occupation class where a carrier offers one, take a typical association or multi-life discount, and drop the COLA rider, and the floor comes down to $276 a month for a male dentist and $431 for a female dentist. So the full ranges in the study are $276 to $657 and $431 to $1,111, and this video is about the levers that move a dentist from one end to the other.
These numbers come from 65 carrier illustrations our team generated this year across Guardian, Principal, MassMutual, The Standard, and Ameritas, using each carrier's dental occupation classes. The baseline is a 35-year-old male non-smoker in Texas earning $220,000, buying $10,000 a month with a 90-day elimination period, benefits to age 65, a true own-occupation definition, and COLA, residual, catastrophic, and benefit increase riders, with no discounts. Then we changed one thing at a time, age, benefit amount, sex, and state. Every figure is illustrated standard rates on a healthy applicant, before underwriting. About 28 percent of the policies we place pick up an exclusion or a rating in underwriting, so your quote will differ.
I'm Jack with Seaworthy Insurance. We place disability insurance for dentists, physicians, CRNAs, tech professionals, and other high-income specialists. Let's start with the lever you can't see from the outside.
Usually, and by a lot. In our quotes, specialists paid 20 to 25 percent less than general dentists for identical coverage. Most of the five carriers place endodontists, periodontists, oral surgeons, orthodontists, and prosthodontists, and at some carriers dentists holding an AEGD or GPR, in a stronger occupation class than general dentists. An occupation class is the risk tier a carrier assigns to your profession, and it decides which rate table your premium is drawn from. On an annual basis the male specialist range ran from $4,472 to $7,508 across the five carriers, a $3,036 gap between the cheapest and the most expensive for the same coverage.
The carriers don't agree with each other on this. One of the five prices every dentist in a single class, specialist or not, so a specialist quoted there pays the general-dentist rate. Another moves its dental specialists into a medical occupation class rather than a dental one, with its own pricing consequences. A specialist who takes the first quote offered never finds out which treatment they got, which is why the class assignment is worth confirming carrier by carrier instead of assuming it. It's the largest single pricing lever in this video that a buyer can't see from the outside.
Few of the policies we place go out at the sticker configuration. Most carry an association or multi-life discount, typically 10 to 20 percent depending on carrier, and a good share of those policyholders skip the COLA rider. So we priced those versions too. With a typical discount and the COLA rider kept, a male specialist pays $309 to $558 a month and a male general dentist $397 to $558, with the female figures at $483 to $944 and $615 to $944.
Take the discount and drop COLA, and a male specialist pays $276 to $457 a month for $10,000 of true own-occupation coverage, a male general dentist $351 to $457, a female specialist $431 to $758, and a female general dentist $551 to $758. Stack all three levers, the specialist class, the discount, and no COLA, and the same $10,000 of coverage lands 44 percent below the cheapest fully loaded general dentist quote. Discounts are carrier-specific and situational, so eligibility gets confirmed at quote time rather than assumed.
Every range in this video comes in a male and a female version because the carriers use sex-distinct rates on these policies, and the gap is bigger than the dentists we quote expect. In our study, identical fully loaded coverage cost a female applicant 45 to 77 percent more than a male applicant at the same carrier. So a female general dentist pays $768 to $1,111 a month where a male general dentist pays $496 to $657, and a female specialist pays $587 to $1,111 against $387 to $657.
The spread across carriers was also wider for women, which means a woman dentist has more money riding on which carrier gets quoted. Unisex pricing exists in some programs and places, and where it applies it removes that differential, so it belongs on the list of questions to ask in any comparison.
Each additional $1,000 of monthly benefit costs a 35-year-old male dentist $37 to $65 a month, measured carrier by carrier between each one's own $5,000 and $15,000 quotes. At the carriers with specialist classes, a male specialist adding $2,000 a month of coverage pays roughly $74 to $83 more a month, and a male general dentist adds the same $2,000 for $98 to $130. The study ran the female profile at $10,000 only, so the female figure is an estimate, applying each carrier's female-to-male ratio to its own slope, which puts a female dentist at roughly $54 to $110 per extra $1,000.
Across the three benefit levels on the male profile, fully loaded general dentist coverage ran $249 to $328 a month at $5,000 of benefit, $496 to $657 at $10,000, and $737 to $977 at $15,000. Notice that tripling the benefit slightly less than triples the premium. The per-dollar rate falls as the benefit rises, and in every one of our male quote sets, $15,000 of benefit cost less than 1.5 times the $10,000 premium. Because the policy fee and some rider minimums are fixed, small policies carry the worst per-dollar pricing, which is one reason we rarely see a high earner well served by a token benefit amount. How much benefit your income supports is a separate question from what each dollar of it costs.
A male dentist who waits from 28 to 45 pays roughly double for the same monthly benefit, and then pays it on a policy with fewer years to run. In our quotes, the same coverage cost roughly 15 to 33 percent more at 35 than at 28, and another 45 to 58 percent more at 45 than at 35. The age ladder was run on the male profile, so as a rough guide a woman dentist can apply her carrier's 45 to 77 percent factor on top.
The premium is only half the waiting cost, because the other half is insurability. These study figures assume a clean file at standard rates, and files get less clean with age. Dentists happen to be the cleanest files we place, with about 23 percent of dentist policies in our book carrying an exclusion or a rating per our 2026 audit, the lowest of any profession. Their median age at issue is 34, the youngest of any profession we place. A dentist who applies at 28 locks in a rate class and an unrated contract while both are still available, where the 45-year-old is negotiating with their health history.
Rider pricing never appears in the carrier brochures our clients bring us, but every illustration in our study itemizes it. Ten to 20 percent of the total premium went to the COLA rider, which raises the benefit each year during a long claim, roughly $42 to $119 a month on the male profile at $10,000 of benefit depending on carrier, class, and the applicant's sex, and another 12 to 17 percent went to residual, the rider that pays a partial benefit when you can still work but lose income. Catastrophic coverage ran 4 to 13 percent, though the benefit amounts behind those figures differ by carrier, because each illustration carries the largest catastrophic benefit the carrier's software allows while keeping its no-cost benefit increase rider, the full $10,000 at two carriers and a scaled amount at three. That benefit increase rider is the one that preserves your right to buy more coverage later without new medical underwriting, and it priced at zero dollars everywhere it appeared, which makes it the cheapest thing on the illustration.
On the elimination period, one of the five carriers prints a full waiting-period grid on every illustration, and on its general dentist configuration, moving from 90 days to 180 cut the annual premium 15 percent, stretching to 365 days cut it 30 percent, and shortening to 60 days raised it 60 percent. That's one carrier's grid on the male profile, so it shows the shape of the trade rather than a market range. The practical read for a dentist with an emergency fund is that 180 days is the cheapest meaningful cut on the policy, because it trades away only the months a cash reserve already covers.
Comparable coverage on the male profile ran 28 to 55 percent above Texas in California, net of the mental and nervous limitation discount California forces onto the specialist classes at several carriers, and 0 to 15 percent above in New York. New York is closer to a standard-rate state than the dentists we quote expect, since two of the four carriers selling the same product there priced it identically to Texas. California is a different market, and the premium is only part of it. Two of the five carriers sell a structurally different product in California, and one of those two does the same in New York. One of them moves general dentists into a different occupation class there, limits that class to a five-year own-occupation definition, and produced no catastrophic rider on our California illustrations. A California dentist comparing a quote against a national figure, this video included, is comparing different products, and the illustration won't volunteer that.
Where a carrier prices the 24-month mental and nervous limitation, our male-profile quotes showed it as a discount of roughly 10 percent against unlimited coverage. On our general dentist illustrations, three of the five carriers applied that cap as a mandatory provision, one of those three offering a shorter 12-month version as an election, and the other two left the full-benefit-period election open for their dental classes. So two specialist quotes can differ by that whole margin just because one carries the limitation and the other doesn't. Check the provision before you compare the premiums.
Okay, quick recap. In our 2026 quote study, a 35-year-old male general dentist pays $496 to $657 a month for $10,000 of fully loaded true own-occupation coverage, and a female general dentist $768 to $1,111. A specialist class cuts 20 to 25 percent, a typical discount takes off 10 to 20, and dropping COLA saves another 10 to 20, which brings the floors to $276 and $431. Each extra $1,000 of benefit runs $37 to $65 for a man and an estimated $54 to $110 for a woman. Buying at 45 instead of 28 roughly doubles the premium. California runs 28 to 55 percent above Texas, New York 0 to 15, and three of the five carriers require the 24-month mental health cap for general dentists, so check the provision before comparing prices. These are illustrated standard rates on a hypothetical healthy applicant before underwriting, and none of this is advice about your specific situation.
If you want your own file placed inside those ranges instead of guessing where it lands, that's what we do at Seaworthy Insurance. We place disability insurance for dentists, physicians, CRNAs, tech professionals, and other high-income specialists, and we've been doing it for more than 15 years. The full study, with the charts, is linked in the description. Thanks for watching.
The dentists who come to us have usually never seen an actual premium before asking for a quote, and have been comparing marketing language instead of numbers. We ran the numbers ourselves. In 2026 our team generated 65 carrier illustrations for dental occupation classes across Guardian, Principal, MassMutual, The Standard, and Ameritas, holding the configuration constant and varying age, benefit amount, sex, and state one factor at a time.
Every figure on this page is study data, not an offer. The illustrations assume a healthy applicant in a standard-rate state at standard rates, before underwriting. Your quote will differ, and roughly 28 percent of the policies we place carry an exclusion or a rating from underwriting (2026 book audit). Figures are current as of September 2026.
How much does disability insurance cost for a general dentist?
A 35-year-old male general dentist buying $10,000 a month of coverage pays between $496 and $657 a month across the five major carriers, or $5,734 to $7,508 a year when paid annually. A 35-year-old female general dentist pays $768 to $1,111 a month for the same policy, since the five carriers we place use sex-distinct rates on these policies, and every configuration in the pricing table and the three charts that follow it is quoted for both. That is a fully loaded policy, with a true own-occupation definition (benefits pay if you cannot practice dentistry, even while you earn income doing something else), a 90-day elimination period (the wait before benefits begin), benefits to age 65, and the cost of living adjustment (COLA), residual disability, catastrophic, and benefit increase riders.
Those sticker prices are the tops of this page's two ranges, $276 to $657 for a male dentist and $431 to $1,111 for a female dentist. A specialist occupation class cuts the rate 20 to 25 percent where a carrier offers one, the association and multi-life discounts our placements most commonly reach take off another 10 to 20 percent, and dropping the COLA rider removes 10 to 20 percent more. Stack all three and the same $10,000 of coverage costs a male dental specialist as little as $276 a month and a female specialist $431, a 44 percent reduction from the cheapest fully loaded general dentist quote for each.
| Configuration, age 35, $10,000 a month, Texas | General dentist, male | General dentist, female | Specialist, male | Specialist, female |
|---|---|---|---|---|
| Fully loaded, no discount | $496 to $657 | $768 to $1,111 | $387 to $657 | $587 to $1,111 |
| Without COLA, no discount | $438 to $538 | $688 to $891 | $345 to $538 | $512 to $891 |
| Fully loaded, typical discount | $397 to $558 | $615 to $944 | $309 to $558 | $483 to $944 |
| Without COLA, typical discount | $351 to $457 | $551 to $758 | $276 to $457 | $431 to $758 |
Monthly premium ranges across the five major carriers we place, 2026 quote study. How the discount and COLA rows are derived is explained under the configuration chart below and in the study notes at the end of the page.
On the male profile, the most expensive of the five charges 31 percent more than the cheapest on annual premium for comparable coverage, a difference of $1,774 a year, every year, for a policy you may hold for three decades, and on the female profile the same spread runs 45 percent on monthly premium. The order below the cheapest slot shifts with the details. The gap between carriers widens for specialists, the middle of the standings reshuffles in California, and the cheapest carrier at illustration is not always the cheapest offer after underwriting.
Do dental specialists pay less for disability insurance?
Specialists usually pay 20 to 25 percent less than general dentists for identical coverage in our quotes. Most of the five carriers place dental specialists, meaning endodontists, periodontists, oral surgeons, orthodontists, prosthodontists, and at some carriers dentists holding an AEGD or GPR, in a stronger occupation class than general dentists. An occupation class is the risk tier a carrier assigns to a profession, and it sets the rate table the premium is drawn from. On an annual-pay basis the male specialist range runs from $4,472 to $7,508 across the five carriers, a $3,036 gap between the cheapest and the most expensive for identical coverage.
One of the five prices all dentists in a single class, specialist or not, so a specialist quoted there pays the general-dentist rate. Another moves its dental specialists into a medical occupation class instead of a dental one, with its own pricing consequences. A specialist who takes the first quote offered never learns which treatment they got. Occupation class assignment is the largest single pricing lever on this page that a buyer cannot see from the outside, and it is a reason the carrier rankings for dentists depend on who you are. The rest of the dental picture, from specialty own-occupation language to business overhead coverage, lives on our dentist disability insurance hub.
What does a realistic dentist policy cost after discounts?
With a typical discount and no COLA rider, a 35-year-old male dental specialist pays $276 to $457 a month for $10,000 of true own-occupation coverage and a female specialist pays $431 to $758, while general dentists in the same position pay $351 to $457 and $551 to $758. Few of the policies we place go out at the sticker configuration, because most carry an association or multi-life discount and a good share of those policyholders skip the COLA rider, so we priced those versions too.
Keeping the COLA rider and taking the discount lands a male specialist at $309 to $558 a month and a male general dentist at $397 to $558, with the female figures at $483 to $944 and $615 to $944. Discounts move the number meaningfully, and they are carrier-specific and situational, so eligibility gets confirmed at quote time.
How much more women dentists pay, and where unisex pricing changes it
Every range in the pricing table above is quoted twice because the carriers rate the two sexes differently, and the gap is large. In our quotes, identical fully loaded coverage cost a female applicant 45 to 77 percent more than a male applicant at the same carrier, so a female general dentist pays $768 to $1,111 a month where a male general dentist pays $496 to $657, and a female specialist pays $587 to $1,111 against $387 to $657. The spread across carriers was also wider for women, which means a woman dentist has more money riding on which carrier gets quoted. Unisex pricing exists in some programs and places, and where it applies it removes that differential, so it belongs on the list of questions to ask in a comparison.
What does each extra $1,000 of monthly benefit cost?
Each additional $1,000 of monthly benefit costs a 35-year-old male dentist $37 to $65 a month, measured carrier by carrier between each one's own $5,000 and $15,000 quotes in our study, so the range reflects each carrier's slope rather than the gap between the cheapest and most expensive quotes on the chart below. At the carriers with specialist classes, a male specialist adding $2,000 a month of coverage pays roughly $74 to $83 more a month, and a male general dentist adds the same $2,000 for $98 to $130 a month. The study ran the female profile at $10,000 only, so the female figure is an estimate rather than a quote. Applying each carrier's measured female-to-male premium ratio at $10,000 to its own slope puts a female dentist at roughly $54 to $110 per extra $1,000 of monthly benefit, which makes the page-wide range $37 to $110. On the male profile, across the three benefit levels in the study, fully loaded general dentist coverage runs $249 to $328 a month at $5,000 of benefit, $496 to $657 at $10,000, and $737 to $977 at $15,000, with specialists at $195 to $328, $387 to $657, and $574 to $977.
The per-dollar rate falls as the benefit rises, and in every one of our male-profile quote sets, $15,000 of benefit cost less than 1.5 times the $10,000 premium. And because the policy fee and some rider minimums are fixed, small policies carry the worst per-dollar pricing, which is one reason we rarely see a high earner well served by a token benefit amount. How much benefit your income supports is a separate question from what each dollar of it costs.
Elimination period pricing on a dentist policy
On the one carrier grid our study can measure, run on the male profile, moving from a 90-day to a 180-day elimination period cut the annual premium 15 percent, stretching to 365 days cut it 30 percent, and shortening to 60 days raised it 60 percent. Our study standardized on 90 days because that is what most of the dentists we place buy, but one of the five carriers prints a full waiting-period grid on every illustration, and its to-age-65 general dentist configuration shows the shape of the lever clearly.
The practical read for a dentist with an emergency fund is that 180 days is the cheapest meaningful premium cut on the policy, because it trades away only the months a cash reserve already covers, while the 60-day option buys expensive protection against a gap a practice owner with a cash reserve can self-fund. Where the break-even lands for you depends on savings, practice overhead, and how your carrier prices the step, which varies.
How much more does disability insurance cost if a dentist waits to buy?
A male dentist who waits from 28 to 45 pays roughly double for the same monthly benefit, and then pays it on a policy with fewer years to run. The same coverage cost roughly 15 to 33 percent more at 35 than at 28 in our quotes, and another 45 to 58 percent more at 45 than at 35. The age ladder was run on the male profile, and the female profile at age 35 only, so as a rough guide a woman dentist can apply her carrier's 45 to 77 percent factor to this section.
The premium is only half the waiting cost, because the other half is insurability. These study figures assume a clean file at standard rates, and files get less clean with age, which is what the 28 percent exclusion-and-rating figure above measures. A dentist who buys at 28 locks in a rate class and an unrated contract while both are still available, where the 45-year-old is negotiating with their health history. Career stage programs, association discounts, and resident pricing can soften the entry price for younger buyers, which compounds the case for starting early.
How much does the COLA rider add to a dentist's premium?
The cost of living adjustment rider, which raises the benefit each year during a long claim, runs 10 to 20 percent of total premium in our study depending on carrier, class, and the applicant's sex, roughly $42 to $119 a month on the male profile at a $10,000 benefit at age 35. Rider pricing does not appear in the carrier brochures our clients bring us, but every illustration in our study itemizes it.
The residual disability rider, which pays a partial benefit when you can still work but lose income, instead of paying only on total disability, runs 12 to 17 percent on the male profile.
Catastrophic disability coverage is inexpensive at some carriers and meaningful at others, 4 to 13 percent of premium on the male profile, though the catastrophic benefit amounts behind those figures differ by carrier, because each illustration carries the largest catastrophic benefit the carrier's software allows while keeping its no-cost benefit increase rider at the income the study assumed, the full $10,000 at two carriers and a scaled amount at three. Benefit increase riders, which preserve your right to buy more coverage later without new medical underwriting, priced at zero dollars everywhere they appeared on our illustrations. The option to grow the policy as your practice income grows is the cheapest thing on the illustration, and the details are in our guide to future increase options.
California and New York pricing for dentists
Comparable coverage on the male profile ran 28 to 55 percent above Texas in California in our study, net of the mental and nervous limitation discount (the 24-month cap on claims from psychiatric and substance-use conditions) that California forces onto the specialist classes at several carriers, while New York ran 0 to 15 percent above. Texas is a standard-rate state, and New York is closer to it than the dentists we quote tend to expect, since two of the four carriers selling the same product in New York priced it identically to Texas and the other two ran 5 to 15 percent higher.
California is a different market, and the premium is only part of it. Two of the five carriers sell a structurally different product in California, and one of those two does the same in New York. One of them moves general dentists into a different occupation class there, limits that class to a five-year own-occupation definition, and produced no catastrophic rider on our California illustrations. Mental and nervous claim limitations also tighten in California at most of the carriers we place. A California dentist comparing a quote against a national figure, this page included, is comparing different products, which is something the illustration will not volunteer. In monthly dollars on the male profile, at the carriers selling the same product across states, general dentist coverage that costs $496 to $657 in Texas runs $496 to $756 in New York and $637 to $948 in California, and specialist coverage moves from $387 to $657 in Texas to $387 to $756 in New York and $496 to $948 in California.
How does the mental and nervous limitation change the price?
Where a carrier prices the 24-month mental and nervous limitation, our male-profile quotes show it as a discount of roughly 10 percent against unlimited coverage. On the illustrations in our study, three of the five carriers we place applied the 24-month cap to general dentists as a mandatory provision, with one of the three offering a shorter 12-month version as an election, while the other two left the full-benefit-period election open for their dental classes, so the general dentist quotes carry the cap at three carriers. Two dental specialist quotes can differ by that margin simply because one includes the limitation and the other does not, so check the provision before comparing the premiums. The mechanics, and which carriers handle it which way, are covered in our guide to mental and nervous limitations.
How we ran the study, and what it can't tell you
All figures come from 65 carrier illustrations our team generated in 2026 across the five major carriers we place, using each carrier's dental occupation classes. The baseline profile is a 35-year-old male non-smoker in Texas earning $220,000 a year, with $10,000 a month of benefit, a 90-day elimination period, benefits to age 65, a true own-occupation definition, and the full rider package, with no discounts applied.
We then varied one factor at a time across ages 28 and 45, benefits of $5,000 and $15,000, a female applicant, and California and New York issue states. The female applicant was run at the baseline configuration only, with the same rider itemization, so the female discount and no-COLA figures are derived the same way as the male ones. The age, benefit-level, waiting-period, and state figures are male-profile quotes. At the study's $220,000 income, the configurations on this page run from about 1.5 percent of income for a discounted male specialist policy without COLA to about 6 percent for a fully loaded female general dentist policy at sticker price, and the male $5,000 configurations sit inside the 1 to 3 percent of income that individual coverage typically costs.
The female cost per extra $1,000 of benefit is an estimate, each carrier's male slope multiplied by its own female-to-male premium ratio at $10,000. The catastrophic rider was set at the largest amount each carrier's illustration software allows while keeping the no-cost benefit increase rider at the income the study assumed, which is the full $10,000 at two carriers and a scaled amount at three. Its premium is itemized on every illustration. Mental and nervous limitations were left off every quote except where the carrier's quoting tool required them for the occupation, which for general dentists was three of the five carriers. Premium ranges span the five carriers on each configuration, except the California and New York figures, which are limited to the carriers selling the same product in that state. The discounted figures apply each carrier's association or multi-life discount at the level our placements most commonly reach, 10 to 20 percent depending on carrier, to the illustrated premium. The no-COLA figures remove the COLA premium itemized on each illustration. The waiting-period percentages come from the one carrier whose illustrations price four waiting periods side by side.
Annual figures are annual-payment premiums, and monthly figures are the carriers' monthly payment rates, which include a modal charge and run a few percent above one-twelfth of the annual figure. That is why the monthly and annual ranges do not multiply into each other exactly.
The study cannot price you. These are illustrated standard rates on a hypothetical healthy applicant, before underwriting, and carrier filed rates change. Career-stage and other program discounts we excluded can move your quote below even the discounted figures, and underwriting can move it above them. This page is educational, not individual advice, and the only number that counts is the one on a current illustration with your name on it. That comparison across all five carriers is what we do. Request a side-by-side comparison and see where your profile lands.