We work for you, not the insurance company. We have been assisting physicians in solving their disability and life insurance needs for a combined 50 years. Our business philosophy follows the CLU pledge: “In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself.”

Representing all the major insurance companies for both life and disability insurance, along with leveraging modern technology, allows us to recommend solutions precisely and efficiently for today's busy physician. We utilize this technology to streamline the underwriting process and enable our clients to obtain their optimal underwriting risk class. We also are keenly aware of your premium costs and ensure all available discounts are utilized. Being active with residents and fellows means we also have access to guaranteed issue disability insurance programs.

At DI4MDS we focus on providing military and civilian physicians with the most comprehensive and cost effective insurance policies at every stage of your career. Whether you are a resident/fellow looking for a guaranteed approval discounted disability policy, a military physician seeking an expert to advise you on how to establish coverage or a practicing physician needing a coverage review, we are here to help and ensure you’re utilizing all available discounts. At claim time we are very involved in making certain all claims are processed expediently and fairly.

Our business focus is solely disability and life insurance and we always strive to enhance the experience for our valuable clients.

10505 Sorrento Valley Road #250
San Diego, CA 92121

(888) 934-4637

Why You?

We are specialists in life and disability insurance only. We focus on client solutions and service 24/7.

Ideal Client

Military and civilian residents, fellows, and practicing physicians who are seeking an education in disability insurance and looking to either enhance current coverage or establish a safety net to protect their income and future. Additionally, medical groups seeking to maximize monthly benefits on a guaranteed basis.


Andy and his staff are very knowledgeable about the specifics of disability insurance needed for physicians. They are also extremely helpful, professional, available, and responsible. I highly recommend them.
Orthopedic Surgeon, California

Andy is amazing. He is easy to work with and he is an obvious choice for your insurance needs.
Emergency Physician, California

Andy made the process of getting Disability and Life Insurance extremely easy. He is honest and truly works for his clients. I would highly recommend him.
Ophthalmic Surgeon, California

Andy was willing to meet with us anywhere to discuss the policies. He guided us through every point of the policy individually and explained all the stipulations and everything else. He answered all questions thoroughly and completely. We are very happy with our service through Andy and his company.
Urogynecological Surgeon, Michigan

DI4MDS established my disability coverage during my residency. They were the only company able to provide a discounted, guaranteed approval plan for all the Residents & Fellows at my training hospital. The majority of the Residents and the Attendings utilize their services as well. My policy protects me in my medical specialty, and was the most cost-effective and comprehensive plan available. They are knowledgeable, efficient, available and personable. I recommend them to everyone I know.
Interventional Spine and Pain Management, California

Andy and his team have been nothing but professional, thorough, and extremely knowledgeable throughout the process of setting up disability coverage. I could not recommend them more highly!
Pulmonary/Critical Care Medicine, Colorado

I spent a lot of time trying to find another insurance agency that could beat DI4MDS’ cost and level of service and couldn’t. A number of my colleagues spent a lot of time looking at other companies as well and we all came to the same conclusion: DI4MDS has both the best rates and the best customer service. And it’s not even close.
— S.H.,
Anesthesiology, California

As an active-duty military physician, I searched for years for a company that could provide me the amount of supplemental DI coverage I wanted, and I finally found DI4MDS. Andy and his team have been everything I could have imagined and were the only people who could secure the DI I needed. I’ve recommended them to countless colleagues and will continue to do so.
Emergency Medicine, Tennessee