Types of disability insurance

How we’ve helped American families

$75 Billion

in coverage

30+ Million

shoppers helped

5 Star

rating on Trustpilot

How to buy disability insurance

How much does disability insurance cost?

Best disability insurance companies

Fidelity SecurityA+A-
Illinois MutualA+B++
Mutual of OmahaA+A+
Northwestern MutualA+A++
Ohio NationalA+A+
Petersen InternationalB-A
Principal Financial GroupA+A+
State FarmB-A++
The StandardA+A

Some insurance companies are best for certain professions, offering the best prices or most flexible options. Learn more about the best disability insurance companies for your profession.

Millions of people have shopped with Policygenius—and they liked it.

Frequently asked questions


How does Policygenius make money?


As the independent broker, we help you apply for the right disability insurance policy and manage the underwriting process through approval. If you accept and pay for the approved policy, the insurance company pays us a commission. Commissions are already priced into the cost of disability insurance - so you're not paying any extra to work with us (or any disability insurance agent or broker). Our commissions are similar across the disability insurers we work with, so we don't favor one company over another in the recommendations to you.


Are the disability quotes that Policygenius provides accurate?


They are as accurate as disability insurance quotes can get, based on the accuracy and completeness of information provided. Pricing disability insurance is complicated - as it depends on the applicant's health history and occupational details. Quotes are an estimate and the final rate is determined by the insurance company through a process called underwriting (which is the process of reviewing all the applicant's detailed information and assigning a risk class and rate). If the final rate comes back higher after underwriting, our experts can work with you to modify the coverage to fit within your budget.


Shouldn't I buy directly from a disability insurance company?


Also, the rate you get quoted initially may not be the rate you're approved at, after the underwriting process (in which the insurer reviews your medical history and occupational details). If you apply with the disability insurance company directly, and you're approved at a different rate, you're stuck with that offer. They won't help you figure out if you can get a better offer from a different disability insurance company. If you apply through Policygenius, we can review that offer to see if another disability insurance company we work with can provide a better alternative. That's the advantage of working with an independent broker: extra service for no extra cost.