Do I have to pay more if I purchase a long-term disability policy through a broker?

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There's no extra cost to you if you use a broker.Brokers are compensated by insurance companies through commissions, which have already been built into insurance prices. Also, insurance companies are required to file their product prices with state regulators, which ensures that the price for you is the same regardless of how you buy it. That means, the price to you of a long-term disability policy from Insurance Company X is the same regardless of whether you buy it directly from Insurance Company X or through an independent broker (like PolicyGenius). An independent broker will be able to give you recommendations from a number of insurance companies so that you can compare policies, features and price and make an informed decision.