Need disability insurance? Read our review of Breeze Disability Insurance, including customer reviews, pros and cons, and coverage options.Visit Website
Quick quotes, flexible policies, and comprehensive long term coverage make Breeze a top choice for individuals looking for disability insurance.
Disability insurance is one of those things that everyone needs, but many people forget about purchasing. And when they realize they need the insurance, it’s too late.
With Breeze, finding and purchasing long term disability insurance can be, well, a breeze.
This online-first disability insurance agency, whose policies are underwritten by Assurity Life Insurance, offers great customer service, comprehensive long term coverage, and a quick application process. It is the first disability insurance agency to offer a fully online insurance experience.
Many employers offer disability insurance to their employees. But self-employed individuals - or those whose employers don’t offer disability insurance or don’t offer enough coverage - often choose to purchase a separate individual policy. This insurance coverage can replace lost income if you become so ill or injured that you cannot work for an extended period of time.
Breeze offers disability insurance for one, two, five, or 10 years, or up to age 67. They also offer various riders you can add to your policy to enhance the basic coverage.
If you’re looking for long term disability insurance with a seamless customer experience, Breeze may be the way to go.
Founded in 2019, Breeze is new to the insurtech scene. However, all their disability insurance policies are underwritten by Assurity Life. This company has been in business since 1890 and has an Excellent rating from A.M. Best.
They offer disability insurance policies from $500 to $20,000 in monthly benefit amounts and policies are renewable until you turn 67.
Built into all of Breeze’s disability policies are certain features, including:
While you may not anticipate that you will ever need disability insurance, statistics show that about 25% of American workers will experience some sort of disabling event during their working lives. That’s a lot of people who could potentially be without income as the result of an illness or injury.
You should consider purchasing long term disability insurance if:
Much like car insurance and home insurance, disability insurance is one of those things that you are grateful to have in case you ever need to use it. You just hope you never do.
Although Breeze’s user experience is dramatic improvement from the past, the actual coverage Breeze offers works in a similar manner to traditional disability insurance companies. It’s the best of both worlds.
When you are ill or injured to the point where you cannot work, Breeze pays you a monthly benefit in accordance with your policy limits. If you select a $2,000 monthly policy, Breeze pays you $2,000 per month for the duration of your disability or until the end of your policy limits, whichever comes first.
Disability insurance typically doesn’t replace the entirety of your monthly income. Instead, it replaces between 60% and 80% of what you earned before you became disabled. Since individual disability insurance premiums are paid with after-tax dollars, any benefits you receive will be tax-free.
Your individual premiums and coverage options are dependent on how much coverage you choose, your current occupation, your gender, your current health status, and your current age. Some jobs are more likely to see disabling accidents, so insuring someone who works in those professions can cost more. Additionally, older workers, women, and those who are at risk of becoming ill or injured are statistically more likely to make disability insurance claims, so their policies can cost more.
Breeze rarely requires medical exams before purchasing coverage, but you may need to complete a medical exam if:
You can get a quick, personalized quote for disability insurance in just a few clicks, and be covered in as little as 15 minutes with Breeze. There are no insurance brokers to talk with, so you don’t feel pressured to buy more coverage than you think you need. However, Breeze does have a dedicated customer support team that is available to answer questions about its product and process over the phone if necessary.
Breeze disability insurance is available to individuals in 49 states. (License in New York is still pending.)
The amount that you will pay for long term disability insurance depends on a variety of factors. These factors include:
Coverage is more expensive for women, older workers, and those in more dangerous jobs, such as construction or manufacturing. Your health history also can impact how much you pay for disability insurance through Breeze.
Some of the health-related factors that Breeze considers in quoting your insurance premiums include:
Because Breeze is so new to the insurtech scene, it’s difficult to really tell how their policy pricing compares to other disability insurance providers. However, a good rule of thumb is to plan to pay between 1% and 3% of your annual income for your annual disability insurance premiums.
Breeze’s disability insurance policies cover six basic things for all policyholders. They also offer seven optional riders to help you customize your coverage.
Sometimes, your illness or injury isn’t enough to keep you from being able to work entirely, but you’re unable to work at your old job and earn the same amount of money. An example of this situation would be a roofer being injured and unable to be out on a job site, but fully capable of doing office work at a desk.
Partial disability coverage can help make up some of the income difference between your current work capacity and what you were earning at your old job.
There are some conditions that automatically mean the person is “presumed” to be disabled and unable to work. Some examples of these types of conditions include:
A disabling illness or injury can require that you modify your home in order to remain living there. Home modification coverage can help pay for these changes.
Some home modifications that might be covered include:
Your surviving family members can receive a portion of your disability insurance benefits after your death if your situation meets certain conditions.
While Breeze doesn’t make these conditions readily available, some other disability insurance providers pay out survivor benefits if the insured’s disability continued for more than 180 consecutive days and if they were receiving or entitled to receive payments under the plan.
You may require assistance with the necessary activities to get back to work, such as lifting, typing, or other tasks. Vocational rehabilitation can help you with this, whether you’re returning to your old career or switching jobs.
If your illness or injury requires that you receive an organ transplant, you can receive disability benefits for a period of time following the transplant.
Again, Breeze doesn’t list the exact specifics of their organ donor benefits on their website.
Breeze offers extra riders that you can tack onto your policy for additional fees that provide your extra coverage.
The available riders are:
With this rider, your policy cannot be changed by Breeze, including your premium amount, and your policy cannot be canceled by Breeze for any reason.
This rider pays benefits if you’re unable to work in your chosen profession, even if you can find a job in another profession. Many physicians choose to add this rider to their disability insurance policies.
This rider automatically increases the amount of benefits paid after a given period of time.
This rider can help pay for care due to a catastrophic illness or injury. This benefit can apply if you suffer a complete loss of:
This rider covers care related to a life-threatening or terminal illness.
This rider allows you to purchase additional coverage without having to go through the underwriting process again.
This rider adjusts the amount of benefits you receive from Breeze if you qualify for other income-replacement coverage such as Social Security or workers’ compensation.
How does Breeze disability insurance stack up? Read the pros and cons of choosing Breeze for your disability insurance:
Breeze doesn’t advertise that they offer any discounts on their disability insurance.
Because it’s a new company, there are very few Breeze disability insurance reviews. At the time of writing, Breeze had four customer reviews on Trustpilot with a five-star rating.
“Quick and easy! It took me about 15 minutes to complete the application and I did it at work on my phone. The fun facts were a nice touch.” - Summer
“Breeze made this whole process easy, quick turnaround! Highly recommend this service to anyone. Thanks, Breeze!!” - Anna
Applying for coverage with Breeze is easy on the company’s website.
All claims are processed through Breeze’s underwriter, Assurity Life.
There is a link on the bottom of Breeze’s website that says “File a Claim.” You are then taken to the Assurity website, where you log into your account to submit a claim.
Address: 808 Conagra Drive
Suite 401 Omaha, NE 68102
**Customer Service: **(402) 256-5230
Email: [email protected]
No. Breeze only offers long term disability insurance for individuals.
Although it is very new to the disability insurance industry, Breeze is quickly making its mark with its online-first model. Being backed by Assurity Life, a well-respected company with exceptional financial stability, has helped to improve Breeze’s status quickly.
Disability insurance is one of those types of coverage that most people don’t know they need until there’s an emergency, and then they wish they had it. Even receiving 60% to 80% of your income each month you are disabled can help you get through a rough time.
While a variety of factors can greatly impact how much you pay for coverage, including where you live, what you do for work, and how much of your income you want replaced, Breeze’s comprehensive coverage makes it a great choice for many individuals.
Their easy online application and quick turnaround time makes them an attractive choice for many looking for peace of mind with disability insurance.
Premiums for disability insurance are more likely to be less expensive when you’re younger. Purchasing insurance early in your career and locking in rates with a non-cancelable rider can grant you affordable coverage as you age.
However, if you don’t have disability insurance and you know that being out of work would cause you financial hardship, consider purchasing disability insurance as soon as possible, no matter your age.
You want to be able to cover as many of your household expenses as possible, as well as your medical costs related to your disability, with your disability insurance payments. Consider purchasing coverage that will replace between 60% and 80% of your monthly take-home pay.
Breeze doesn’t usually require medical exams to receive coverage, but your age, any health risk factors, and the amount of coverage you want to purchase may mean you’re required to complete a medical exam prior to your policy becoming effective.