Not all disability insurance companies are created equal. Underwriting guidelines, contract terms, financial strength, and pricing vary significantly from carrier to carrier. The best company for you depends on your occupation, income, health history, and what you need the policy to do. As an independent broker, we represent all major carriers and shop them all to find you the best fit.
Disability Insurance Companies We Represent
Guardian Life
AM Best: A++ | S&P: AA+ | Our Top Pick
Guardian offers what we consider the strongest disability contract in the industry. Its ProVider Plus policy features a true own-occupation definition through age 65, a 15% residual disability trigger, non-cancellable guaranteed-renewable premiums, and an optional COLA rider. Guardian’s financial strength and $1.6B annual dividend record make it our most frequently recommended carrier for long-term individual disability coverage.
Principal Financial Group
AM Best: A+ | S&P: A+
Principal’s HH750 policy is a strong competitor to Guardian, particularly for certain occupations and income levels where it can offer more competitive pricing. Principal offers own-occupation coverage, non-cancellable contracts, and flexible benefit periods. It is often the preferred choice for business owners and professionals where Guardian’s pricing is less competitive.
Standard Insurance Company
AM Best: A | S&P: A+
Standard offers competitive individual disability policies with solid own-occupation definitions and a 15% business owner discount for qualifying applicants. Standard is frequently a strong option for business owners who do not qualify for Guardian or Principal programs, and for certain occupational classes where its underwriting is more favorable.
MassMutual
AM Best: A++ | S&P: AA+
MassMutual offers own-occupation disability coverage with strong financial ratings matching Guardian’s. Its Radius Choice policy is competitive for high-income professionals, particularly physicians and attorneys. MassMutual is a mutual company, meaning policyholders share in dividends, and it has a long history of financial stability.
Mutual of Omaha
AM Best: A+ | S&P: AA-
Mutual of Omaha is a strong option for applicants in occupational classes or health situations where Guardian and Principal are less competitive. It offers both individual and business overhead expense disability policies and tends to have more flexible underwriting for certain medical conditions.
Assurity Life
AM Best: A-
Assurity’s Century+ policy is well-suited for applicants in blue-collar and skilled trade occupations that the major carriers won’t cover favorably. Assurity offers own-occupation coverage for qualifying occupations with competitive premiums. It is often the best option for applicants who don’t qualify for the top-tier carriers due to occupation or health history.
Carrier Comparison at a Glance
How We Choose the Right Carrier for You
When you request a disability insurance quote, we evaluate your occupation class across all carriers, compare contract terms side by side, apply every discount you qualify for, and present you with a clear recommendation along with the reasoning behind it. There is no obligation and no pressure.
Compare All Carriers – Free, No Obligation
Call us at 1-888-972-0024 or request a quote and we will shop all major disability carriers on your behalf.