Discounts & Rewards
Explore the rewards and discounts available to TMLT policyholders, designed to help you save while ensuring you receive top-tier coverage.

Policyholder Discounts
Learn all the ways you can save with our policyholder discounts.
Experience Discount
TMLT offers automatic premium discounts to policyholders with favorable claim experience. Discounts range from 2% to 20%, depending on length of time you have been with TMLT.
New-to-Practice Discount
New-to-practice discounts are available to physicians entering practice for the first time upon completion of graduate training, military service, or being in an academic position.
This discount is 40% for the first year in practice and 20% for the second year. Generally, no other discount is given other than CME and practice review in conjunction with this discount.
Part-time Discount
Discounts are based on the number of hours worked per week. Physicians working 15 hours or less may receive up to a 50% discount. Physicians working 16 to 30 hours may receive up to a 25% discount.
Leave of Absence Discounts
- 100% premium reduction for medical leave or military leave
- 75% premium reduction for an underwriting approved leave (for academic or sabbatical purposes)
- 85% premium reduction for maternity or paternity leave up to 12 weeks (longer if medically necessary).
Risk Management Discounts
CME Discount
- Policyholders who complete a qualifying 2-hour CME activity may be eligible for a 3% premium discount applied to their next eligible policy period. Two courses can be taken for the discount, for up to 6% per policy term.
- For new policyholders, a CME discount may be applied retroactively to the inception of the policy, if completed within the first 30 days of the policy effective date.
- We offer in-person seminars, online CME, case study courses, and a 2-hour CME course in our publication, the Reporter. You can also attend seminars that we co-sponsor with the Texas Medical Association.
Practice Review Discount
Policyholders who complete a practice review may be eligible for a 5% premium discount after review recommendations are met. This discount continues through the current policy plus two full policy periods.
For new policyholders, a practice review discount may be applied retroactively to the inception of the policy, if approved in advance and completed within the first 120 days of the policy effective date.
Exclusive Rewards & Dividends for Our Policyholders
Trust Rewards
A loyalty program for policyholders who are committed to quality medicine. Funds are set aside annually for eligible policyholders in their Trust Rewards accounts.
- $245 million allocated to policyholders.
- Funds accumulate and are distributed upon:
- Retirement (after age 50 and 3 years of coverage).
- Death or qualifying disability.
- Distributed as a lump sum and are tax-deferred.
- Statements are accessible through myPortal.
Dividends
Our dividend program returns a portion of paid premiums back to policyholders.
- $377 million distributed since 2005
- 10% dividend for policies renewing in 2024
Dividends are applied to renewal premiums the year after they are declared.
Trust Rewards Program
Trust Rewards is a financial program designed to reward TMLT policyholders for their loyalty and commitment to quality medicine, with funds distributed at the time of a qualifying event.
How It Works
Eligibility
Funding
Payout and Forfeitures
Ownership
Additional Information
Still have questions?
Explore answers to frequently asked questions about Trust Rewards.