Best disability insurance
AT A GLANCE
- As low as $9 per month
- Apply online in less than 15 minutes
- It's owned by MassMutual
- Excellent customer support
Overall PolicyReviews Rating
A+ BBB Rating
Average review rating 4.6/5 on TrustPilot
Bottom Line: Breeze is a disability insurance companies that allows you to apply for a policy online in under 15 minutes. In most cases, no medical examine is required for approval.
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No matter what you do for a living, you have the right to keep earning an income if you become disabled or develop an illness.
That’s where disability insurance comes in.
But where do you turn when you don’t have the energy to find a bunch of quotes online and wait weeks to hear back for approval?
Thanks to companies like Breeze Insurance, these common woes are a thing of the past.
Read on as we discuss the ins and outs of Breeze -- a modernized disability insurance agency that’s dedicated to providing fast and affordable coverage to hardworking people just like you.
What Is Breeze Insurance?
Breeze is a disability insurance agency that’s 100% online. (And in case you’ve just begun your research, finding an insurance company with a fully-online process is almost unheard of.)
Breeze’s mission is simple.
It aims to provide quick and affordable disability insurance coverage without the hassle of pushy salespeople or long waiting periods.
When you get a policy through Breeze, you don’t have to worry about talking to anyone on the phone and getting roped into buying more coverage than you need.
Instead, you get a real-time quote for affordable disability insurance that you can instantly apply for -- without ever having to leave the couch.
The company was founded in 2019 and is headquartered in Omaha, Nebraska.
It's policies are underwritten and provided by Assurity.
How Does It Work?
It takes around 15 minutes to apply for disability insurance through Breeze’s website. Most policies are instant, but you’ll need a medical exam if you’re:
Coverage ranges from $500 to $20,000 a month and is guaranteed renewable until ages 65 or 67.
Managing your disability insurance policy through Breeze Insurance is easy.
Once your application is approved, you start paying your monthly premium.
If you become disabled either due to an accident or illness while your policy is still active, your monthly benefits kick in as soon as your waiting period is over.
What Types of Insurance Does Breeze Offer?
Breeze only offers long-term disability insurance.
Most families couldn’t make it a month without a paycheck.
That’s why Breeze is dedicated to providing you with a guaranteed source of income should you need it.
Disability Insurance Riders You Can Add To Your Policy
Riders are extra benefits you can buy for your disability insurance policy.
Think of them as a way to customize your policy to suit your individual needs.
Breeze Insurance offers seven insurance riders. Here’s a rundown of each:
Supplemental disability income rider (SDIR)
This rider pays a monthly benefit, less any social insurance benefits you receive, as long as you’re disabled. For example, if you receive $500 in social insurance benefits but have an SDIR for $1,000, Breeze will pay you $500 so you receive the full $1,000 you need.
This feature states that the insurance company can’t cancel your policy, increase your premiums, or reduce your benefits as long as you’re paying your monthly premium.
Own occupation provision
This rider pays benefits if an injury prevents you from working in your given profession -- even if you’re well enough to work in another field. It can be especially beneficial for high-income earners, such as doctors.
Automatic benefit increase
If you want your benefit to automatically increase with your income, this rider is for you. Your premium and coverage amount incrementally increase each year.
Catastrophic disability benefit
This rider pays for ongoing care due to the complete loss of your speech, hearing, sight, hands, or feet.
Critical illness benefit
If you’re diagnosed with a critical illness, such as cancer, kidney failure, or paralysis, this rider pays a lump sum benefit to help cover the cost.
This rider allows you to purchase additional insurance if you want to increase your base benefit amount. But it’s not available to anyone who is currently disabled or already receiving benefits.
Breeze Insurance Rates
Individual long-term plans start out at $9 a month.
But actual rates vary based on the coverage amount and the type of work you do, as well as the benefit period and waiting period you choose.
Generally, the more labor-intensive your job is, the higher your premium will be.
And as usual, you’ll pay a higher premium for more coverage.
But let’s talk about two factors you may not be familiar with: the benefit period and waiting period.
The benefit period is the maximum length of time Breeze will pay you disability benefits if you become totally disabled.
Benefit periods start out at one year and go up to age 67.
For example, if you bought a policy with a two-year benefit period, Breeze would pay you monthly benefits for two continuous years of total disability.
If you opted for coverage until age 67, you’d receive monthly benefits until you reached that age or you were no longer totally disabled, whichever is first.
The longer your benefit period, the more expensive your monthly premium will be.
The waiting period is how long you have to be totally disabled before your insurance benefits kick in.
Waiting periods range from 30 to 365 days, but most people select a policy with a 30 or 60 day waiting period.
If you chose the 60 day waiting period, for example, you’d have to be totally disabled for 60 days before you’d start receiving monthly benefits.
The longer your waiting period, the cheaper your monthly premium will be.
The best way to know how much you could pay is to get a quote online from Breeze’s website.
It only takes a few minutes, and you don’t have to enter your phone number.
So, you don’t have to worry about getting spammy calls afterward.
Protect your income
if you get too sick or hurt to work.
Who Is Breeze Best For?
If you’re looking to supplement your income should you become ill or disabled, Breeze offers a quick, convenient, and affordable way to lock in coverage.
It’s a great choice for anyone between the ages of 18 and 60 who wants to buy affordable disability insurance online (without having to talk to anyone on the phone or wait weeks for approval).
It’s available to all US residents -- except those who live in New York.
What Do Customers Say About Breeze?
Breeze is new to the disability insurance space, so there aren’t many reviews online. As of April 2020, the company has a 4.5 out of 5-star rating on Trustpilot based on 22 reviews.
Assurity -- the company that underwrites its policies -- has an A+ rating on the Better Business Bureau (BBB) based on factors like financial stability and years in business.
Of the few reviews we’ve found, customers have been blown away by the quality of service.
Several customers stated that the CEO personally called them to follow-up and get feedback on their experience (proof that Breeze is taking a customer-first approach insurance).
The only complaint we could find is that the company isn’t 100% paperless. You apply for the policy online, but you still receive some documents in the mail once you’re approved.
Want to read some rave reviews for yourself?
Here’s a screenshot of some recent Trustpilot reviews:
Breeze has quite a few benefits that sets it apart from the competition:
Unlike other disability insurance companies, you don’t have to pay extra for these unique policy features:
If you become partially disabled, Breeze will waive your premium once your waiting period is up.
If you lose your vision, hearing, speech, hands, or feet, Breeze will immediately pay you benefits. You won’t have to wait for your waiting period to end.
The company covers the cost of home modifications if you need to alter your home after becoming disabled.
If you received benefits for at least 12 months and pass away, Breeze will give your beneficiaries a check worth 6x the amount of your monthly benefit.
If you need vocational rehab, Breeze will cover the cost once you’ve been receiving benefits for at least six months.
Organ Donor Benefit
If you’ve donated an organ or bone marrow and become disabled as a result, Breeze will help as long as you’ve had your policy for at least six months.
Breeze is a fairly new company (it was founded in 2019). But it sets itself apart from the competition because it’s founded on these beliefs and values:
The company doesn’t have commissioned sales agents, so you have confidence knowing that whoever you talk to will give unbiased advice based on your unique situation.
Breeze is young but mighty. It’s dedicated to accommodating your insurance needs (no matter how complex they may be).
The company treats each of its customers like people -- not numbers on a screen. As such, they aim to be your financial partner should you need it.
Breeze wants you to fully understand the policy you purchase, so it provides you with the tools and resources you need to make informed decisions regarding your policy.
With no ulterior motives, you can rest assured Breeze will be upfront about any questions or concerns you have about disability insurance.
Pros & Cons
How to Get Started
Breeze’s application process is 100% online and takes as little as 15 minutes.
Here’s how to get a quote and apply for a policy through the website:
Enter your birth date, gender, annual income, the type of work you do, zip code, smoking habits, and so on. (This takes less than 5 minutes.)
Compare quotes until you find one that’s right for you. If you don’t see a quote that piques your interest, click More Coverage Options. Then, adjust your coverage, benefit amount, and waiting period to see new quotes.
Once you’re ready to buy a policy, click Apply Now. Then, follow the prompts to enter your basic info, answer questions about your lifestyle and health, and finalize your application.
If you run into any snags during the application process, reach out to customer service by calling 402-256-5230 or emailing firstname.lastname@example.org.
What Information Do I Need To Apply?
Breeze will ask for the following information when you apply for a policy online:
Name, birthdate, address, and phone number
Social Security number
Government-issued photo ID number
Existing insurance policies
Risky activities you take part in
Payment information once approved
How Do I File A Claim With Breeze Insurance?
Filing a claim with Breeze is, well, a breeze. Simply head to the website, log into your account, and submit a wellness claim electronically.
The claims support team will then contact you with next steps.
Assurity underwrites your Breeze policy, so it’ll be the company that handles your claim.
If you log into your account and can’t find what you’re looking for, get in touch with Assurity’s claims department using one of the following methods:
Call 800-869-0355 (Ext. 4484)
Breeze is revolutionizing the way you shop for disability insurance. What was once a lengthy and complicated process is now quick, simple, and painless.
If you’re a high-income earner, self-employed, or are the primary breadwinner in your family, having disability insurance is essential.
Breeze makes it easy to lock in a policy that guarantees your income should you become seriously ill or injured.
The company offers some of the lowest rates in the industry thanks to its low overhead and streamlined processes.
It may be young, but it’s backed by the financial strength of Assurity -- an insurance giant with over $2.6 billion in assets and over 130 years experience.
If you’re in the market for disability insurance, start out by getting a quote. Then, decide if it’s the right move for you.
Have questions about Breeze Insurance we didn’t answer? Drop them in the comments below.
- As low as $9 per month
- Apply online in less than 15 minutes
- It's owned by MassMutual
- Excellent customer support
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Breeze is a disability insurance companies that allows you to apply for a policy online in under 15 minutes. In most cases, no medical examine is required for approval.