Discounts
Learn all the ways you can save with our policyholder discounts
Experience discounts
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.