Guardian Life Insurance Company of America will now protect the income that medical and dental professionals use to re-pay student loans.

Guardian, New York, will use an existing “business reducing term” program to provide individual disability insurance benefits tied to student loan obligations.

The program can insure up to 100% of monthly loan payments, up to $2,000 a month.

Because the student loan lender would be the loss payee, an applicant can use the program to get coverage above and beyond regular issue and participation limits, Guardian says.