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Medical Student Offer

Start planning for your career now.

RBC’s Medical Student Offer is the first step to keeping you protected should you lose your ability to earn income as a physician due to an accident/sickness.

The risks you face as a physician are greater than any other profession and this protection plan offers a balance between your current needs with flexibility for future requirements.

RBC Medical Offer for Students

Medical school required a lot of time and financial commitment. There’s no better time to start planning for your career’s protection than while you’re still in school.

Our personalized coverage will protect your assets every step of your career.

Let us worry about what coverages you need while you focus on your residency and what type of medicine you will pursue.

Occupation
(Medical Doctor)

First Year

Second Year

Third Year

Fourth Year

Residency/Fellowship

First Year of Practice

Premium Savings

Medical Student

$2,000/m

$2,000/m

$3,000/m

$4,500/m

Up to 25%

Resident

$4,500/m

Up to 25%

Fellowship

$8,500/m

Up to 25%

General Practitioners

$7,500/m

Up to 25%

General Practitioners
(2+1 Emergency)**

$11,000/m

Up to 25%

Specialist

$11,000/m

Up to 25%

  • No medical underwriting/nurse visits.
  • Includes the riders: Own occupation, cost of living adjustment & HIV Hep B & C.
  • Includes the Future income option up to $25,000/month to increase at a later date without medical underwriting.
  • Free Coverage: Up to 12 months free disability coverage as a medical student & 5 months as a resident, fellow & entering into practice.
  • Up to 25% discount applied at time of application.
  • Guaranteed conversion option to a long-term care policy.

View copy of the current RBC application.

Please complete this form if you would like to connect with one of our advisors for a no obligation consultation.

Practice Leaders

Adam Gurza
Adam Gurza Senior Advisor, Life
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