Get Long Term Disability Insurance Quotes For Your Paycheck!

Get long term disability insurance quotes online with no medical exam and apply online for instant coverage.

  • Coverage For Ages 18 - 60
  • No Exam, No Blood Tests & No Waiting
  • Monthly Benefit From $500 To $20,000 Per Month
  • No Paperwork And No Pushy Salespeople.
  • From Quote To Decision In 15 Minutes All Online!
  • No Income Documentation Required

Expert Written

Sa El founder of Simply Insurance

By Licensed Agent Sa El

Updated 18 Mar 2024

Quick Disability Insurance FAQ's

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.

THE SIMPLY INSURANCE WAY

Disability Insurance made easy.

Agents standing by.

Get quotes and sign up online. Agents are available to answer questions for max savings. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid excessive sales calls.

Coverage in minutes.

You can get disability insurance coverage within minutes of getting your quotes and applying.

What Is Disability Insurance?

What Is Paycheck Insurance? 

How Much Does Disability Insurance Cost? 

What Are The Different Types Of Disability Insurance?

What Is Long Term Disability Insurance?

What Is Short Term Disability Insurance?


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


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

Breeze Disability Insurance 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.

disability insurance quote

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. In 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

DISABILITY INSURANCE WHERE YOU LIVE

Disability insurance by state.
Injuries and sickness can happen to anyone. Protect your income with Disability Insurance.

A long-term Disability Insurance policy can meet your particular needs.  For a free quote, click on your state today.

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutDelawareFloridaFLGeorgiaGAIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMassachusettsMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNew JerseyNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandSouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVirginiaVAWAWest VirginiaWVWisconsinWIWyomingWYVermontVTNew HampshireNHMassachusettsMAConnecticutCTNew JerseyNJMarylandMDHawaiiHIRhode IslandRIDelawareDE

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.

EXPERT EDITOR & REVIEWER

Sa El

Licensed & Certified Insurance Agent

Sa El is the Founder of Simply Insurance and a licensed Insurance Agent with over 15 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.