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Get A Simple and Fast Disability Insurance Quote

Get an affordable paycheck insurance quote and apply online for immediate coverage, all without an agent.

Watch To See Why You Need Paycheck Insurance: 

  • Coverage For Ages 18 - 60
  • Monthly Benefit From $500 To $20,000 Per Month
  • ​No doctors, no paperwork and no pushy salespeople.
  • ​​From Quote To Coverage In 15 Minutes - 100% Online
  • ​powered by the first fully-automated underwriting engine.
  • ​​No Income Documentation Required
  • ​Short Term & Long Term Disability Options

*Plans Start at $9.00 Per Month

*Pricing for a 25 year old male, 5-year benefit period, 90 day waiting period and $1,000 / month benefit with SDIR rider.

The simplest & fastest way to  buy disability insurance online

Only basic information needed for your instant online disability quotes

As Seen On...

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Go Banking Rates

How Our 3 Step Process Works

Get An Instant Quote
Get a quote by putting in
only needed information.

​Apply Online
​Apply online for your instant
issue policy​

​You're Covered
​Look out for an email with your
approval and policy​

Our service is free, so how do we make a
living?

We’re a licensed insurance agency, so we get paid either
commission or advertising fees by the insurance companies for
each referral or sale.


If you ever feel the need to know what commission we’d earn
on any of our insurance products, just ask us. We’ll be happy to
tell you.


Click here
 for more faqs and information on how we are paid.

​Why Use Us?​

  • Get instant disability insurance and an easy online application
  • Save more time by getting an online disability quote
  • ​No need to deal with an agent and miss out on​ savings.

Disability Quick Facts

1 In 4

1 in 4 of today’s 20-year-olds will become disabled before they retire.

#1 Cause

The #1 cause of bankruptcy In the U.S. is being disabled. 

Illness Not Accident

Illness, not accidents, is the number 1 cause of disability.


A Real Life Disability Story

It is important to remember that nobody believes bad things can happen to them until it does.



Types Of Disability Coverage


​Short Term Disability

​Long Term Disability

Duration

1 - 2 Years

​5 - 10 Years or To Age 65 or 67

​Waiting Period

​30, 60, 90 Day Waiting Periods

​30, 60, 90, 180, or 365 Day Waiting Periods

Guaranteed Cash Value

No

Yes

​Renewability

​Can Be Renewed Up To A Specific Age

​Can Be Renewed Up To A Specific Age

Policy Notes

Policy cancels or has to be renewed at the end of the level term. 

Policy pays out at the end of the term along with any additional cash value.

What Does The Best Disability Policy Cover? 

A disability insurance policy will cover any costs of living which include:

  • ​​Day to Day Living Expenses
  • ​​Car Note
  • ​​Mortgage
  • ​​Utility Bills
  • ​​Groceries
  • ​​Cell Phone Bill
disability insurance quote


Policy Features


Option 1
(Most Affordable)


Total Tax-Free Monthly Benefit 


$2,500


Waiting Period


90 Days


Benefit Period


2 Years


Monthly Premium


$32.48


Policy Features


Option 2
(Most Popular)


Total Tax-Free Monthly Benefit 


$2,500


Waiting Period


90 Days


Benefit Period


5 Years


Monthly Premium


$45.71


Policy Features


Option 3
(Most Coverage)


Total Tax-Free Monthly Benefit 


$2,500


Waiting Period


90 Days


Benefit Period


Age 67


Monthly Premium


$95.15

Quick Insurance Company Review

breeze logo, meetbreeze logo

About Breeze

​Breeze allows applicants to put in their basic information to get actual quotes with built in coverage recommendations.

You have the ability to choose your coverage amount and any extra features you may or may not want on your policy.

Once you are satisfied with your coverage options, you can apply directly online, make payment and sign the final documents.

Breeze uses the first fully-online and fully-automated underwriting engine for disability insurance to issue coverage on the spot for many applicants.

Some applicants may be subject to additional follow up questions before an offer of coverage is made

Breeze is backed by ​Assurity Life Insurance Company which has been around for over 180 years.

​Assurity currently ​has an A.M. Best rating of A-(Excellent) for its financial strength and claims paying ability.

Product Features

  • ​Available Nationwide
  • Accelerated Underwriting
  • Available for ages 18 through ​60
  • No physical exam, No Income Docs, No Agents
  • E-Signature & Simple Application Process
  • ​Benefit amounts from $500​/month to $​20,000/Month
  • ​​Choose between a 30, 60, 90, 180 and 365 day waiting period
  • ​​Your benefit periods can be 1, 2, 5 and 10 years , or payable to age 65 or age 67

Included Features & Benefits At No Extra Cost

  • ​Partial Disability
  • ​Presumptive Disability
  • ​Home Modification
  • ​Survivor Benefit
  • ​Vocational Rehab
  • ​Organ Donor Benefit

​Optional Benefits (At An Additional Cost)

  • ​Automatic Benefit Increase
  • ​Catastrophic Disability Benefit
  • ​Critical Illness Benefit
  • ​Guaranteed Insurability

​Simply Insurance Thinks

Breeze is the most affordable simplified issue, no physical exam disability insurance product.  They have a very easy online application and the process doesn't require an agent.  We are seeing clients go from application to approval within 15 minutes; Breeze is the best disability product in this space by far.

​For More Information Check Out Our Detailed Breeze Disability Insurance Review

Is There Disability or Paycheck Insurance For Self Employed? 

Yes! If you are self-employed, your entire business could be at risk if you don't have some form of disability insurance.

Since being self-employed means that you wear every hat, and most of the time that includes being the breadwinner of the family.

If you were to become disabled, not only would it put major stress on your business, but it would definitely affect your personal life as well.

If you are self-employed, you can't afford to go without disability insurance.

Can You Get disability Coverage without a medical exam?

Yes, you can get disability insurance with no medical exam.

As a matter of a fact we have a product that offers:

  • ​​No blood or urine tests or paramedical exams
  • No Attending Physicians Statements (APS)
  • No Personal History Interviews (PHI) required
  • ​​No income documentation

​The fastest way to get covered is with a no ​medical disability insurance policy.

You will bypass all of the time consuming problems people usually run into like setting up a time for an examiner or waiting on medical records from a doctors office. 

Can You Get Insurance Quotes For A Disability Policy Online?

When searching online for a disability policy, you need an option that will allow you to get a quote without needing too much of your personal information.

Your individual disability insurance quotes will be specific to you and not only can you get your disability income insurance quote online, you can also apply online for coverage.  

It's easy to think that this process is complicated, but in a few minutes you can get a quote, apply online and have a decision within a few days.