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There are plenty of ways to protect your family and disability insurance should be one of them. While it’s common to think about getting life insurance in case you pass away suddenly, disability insurance is important in case you can’t work.
Think about it: what will happen if your family relied on your paycheck to make ends meet? It’s a scary thought, but luckily getting disability insurance is pretty quick and affordable. That is if you go with a company like Breeze, which enables you to get a free, personalized quote and apply completely online.
Keep reading to find out what Breeze offers, how much you may pay, and whether it’s the right choice for you.
About Breeze Insurance
Founded in 2019, Breeze is a completely online disability insurance agency that is underwritten by Assurity Life Insurance. Assurity has been offering policies for 130 years, since 1890. Assurity is rated as Excellent by A.M. Best, one of the leading rating agencies for life insurance companies.
Policies are currently available to customers in the U.S. except for New York.
Features of Breeze Disability Insurance
One of the main perks of Breeze Insurance is that you can buy a policy completely online through their underwriter, Assurity. In fact, you can complete the online application process in as little as 15 minutes. Beats having to go to a broker, which could mean spending hours filling out paperwork and comparing policies.
Another perk is that you may be able to skip the medical exam if you qualify for its automated underwriting process which uses AI technology. Breeze will determine your eligibility by having you answer questions on their application form.
If you’re at least 18 years old, you’ll be able to receive a personalized quote that will have different coverage options. This can include changing your coverage amount or the elimination period, which is the amount of time you need to wait until your disability benefits kick in–it’s anywhere from 30 to 180 days.
There are also optional riders that come at an additional cost if you want to enhance your coverage.
Some of these include:
- Automatic benefit increase – You can increase your monthly payout amount after the first year’s benefits have been paid out.
- Own occupation – You’ll be covered under your policy if you’re considered disabled but can still work in occupations other than your current one.
- Critical illness benefit – You’ll be covered if you’re diagnosed with a critical illness such as cancer.
- Non-cancellable – As long as you’re up to date on your payments, Breeze can’t cancel or increase your premium payments.
- Guaranteed insurability – You can buy additional insurance without additional underwriting.
- Supplemental DI rider – Even if you receive Social Security disability benefits, you can still receive benefits from Breeze.
- Catastrophic disability benefit – You can get extra income so you can use it to pay for things that health insurance typically won’t cover.
- Partial disability – Get coverage even if you can only work at a partial capacity (sometimes called a residual disability).
How Much Does Breeze Cost?
Breeze offers competitive pricing. How much you will pay depends on factors such as your gender, age, occupation, and whether you add on additional riders. It’s fairly safe to assume that the more labor-intensive or hazardous your job, the higher your premium amount.
In other words, someone who works as an administrative assistant for an accountant will probably pay less than someone who is a doctor.
Also, females tend to pay more than males, so a male doctor may pay less than a female doctor. That’s because disabilities tend to happen more frequently to women than men. Other lifestyle factors and the amount of benefits you would like to receive also influence the cost of disability insurance.
To get an individual quote from Breeze, all you have to do is answer 10 simple questions. Sample quotes range as low as $9 a month (pricing for a 25-year-old male, 5-year benefit period, 90-day waiting period, and $1,000 monthly benefit with SDIR rider). Of course, rates vary widely, depending on the factors mentioned above.
After reviewing your quote, you can then apply online from your phone or computer.
Pros and Cons of Breeze Insurance
|*Fast Process — Applying for a policy can take as little as 15 minutes.
*Online Application — You can apply online from the comfort of your own home.
*Top-rated Underwriter — Underwritten by Assurity Life Insurance Company, a top-rated provider.
*Get help from disability insurance experts — No commissioned agents, just first-class customer support.
*Affordable — Offers affordable rates.
|No Short-Term Coverage — No short-term disability options available.
Unavailable in New York — Currently not available to New York residents.
Few Customer Reviews — Not many customer reviews since it’s a relatively new company.
How to Sign Up For Breeze
Signing up for Breeze is simple since all you need to do is head to their online application form and fill out the required information including your birthday, occupation, whether you use nicotine, and gender.
Afterward, you’ll receive a rate quote that shows you personalized coverage choices. It’ll also recommend different benefit amounts and elimination periods. You can choose from the different payment amounts, riders, and the cost of the premium.
Before moving on to the next step, you can call Breeze to talk with a disability insurance expert to get any questions answered. Once you proceed then you’ll need to answer more questions so Breeze can use the information to work on the underwriting process. These questions will include health and lifestyle habits.
Then you’ll be presented with an offer. If you don’t need to go through a medical exam, you simply submit payment information, sign the documents, and off you go. Otherwise, you may need to schedule a medical exam. Some instances where you’ll need to do so include if you’re between 56 and 60 years old and want coverage over $1,000 or you’re between 18 and 50 years old and want coverage greater than $4,000 a month.
Alternatives to Breeze
If Breeze isn’t a good fit or you want to make sure you’re getting the best deal, then it’s a good idea to shop around. The good news is that it doesn’t need to take you a lot of time to compare policies.
That’s where Policygenius comes in. They’re an unaffiliated insurance broker, helping you find the right disability (among other types) insurance policy for you. All you need to do is to use their online tool by entering your personal information. Afterward, it’ll populate results based on what you provided, and redirect you to the insurer’s website.
Frequently Asked Questions
How do I know if I qualify?
You can apply for disability insurance but you’ll need to meet certain requirements. For Breeze, that includes having consistent income for the last 12 months, working a minimum of 30 hours per week and not being on probation, or having any bankruptcies.
Does Breeze cover pre-existing?
In some cases yes. However, if you’re one of the following occupations Breeze won’t cover you for pre-existing conditions: member of the armed forces, author, athlete, bartender, entertainer, pilot, student, self-employed artist. Rules may change (or there are exceptions), so contact Breeze to see if you can qualify.
What Options are available to me?
You can customize how long you want to wait before your benefits kick in. Breeze lets you determine how much your policy will pay out each month, plus other riders for each month you’re considered disabled. Remember that prices for premiums can go higher or lower depending on how much you want to receive and the length of your waiting period.
Is Getting Disability Insurance With Breeze a Good Idea?
Residents of New York have to look elsewhere. Otherwise, getting disability insurance really depends on whether you need it in the first place. Remember, this type of insurance is there for you if you or someone else relies on your regular income to make ends meet or you feel you’re at risk of injuring yourself on the job (if you work in a high-risk environment).
If you decide you want to look into disability insurance, Breeze is a good choice since you can complete the application process online in as little as 15 minutes. Even if you don’t decide to go with them, you can at least get a quote to see what you may qualify for. That way, you’ll feel good knowing you’re trying to take the right step in protecting you and your family’s income.