Assurity is a highly-rated insurer that offers affordable rates on long-term disability insurance to Americans across a host of occupations, including jobs that involve manual labor.
Updated January 20, 2022
|Elimination period||30 days, 60 days, 90 days, 180 days, 365 days, subject to benefit period|
|Benefit period||1 year, 2 years, 5 years, 10 years, Age 65, Age 67|
|Definition of disability||Two year Own Occupation, then Any Occupation.|
|Partial/residual disability||Basic Partial (extended via rider)|
Home modification benefit. Additional benefit paid to cover required home modifications due to disability.
Organ donor benefit. Benefits cover disabilities caused by elective transplants.
Presumptive total disability. Presumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.
Survivor benefit. Lump sum paid if the policyholder dies while receiving benefits.
Vocational rehabilitation benefit. Additional benefit paid while on claim to pay for voluntary vocational rehabilitation.
Waiver of premium. No premiums once claim is approved.
Automatic benefit increase rider. Increases the monthly benefit by 5% every year with no underwriting until the benefit doubles.
Catastrophic disability benefit. An additional monthly benefit is paid if you cannot perform two or more activities of daily living.
Critical illness benefit. Pays an additional lump sum benefit if diagnosed with one of the named conditions like cancer.
Guaranteed insurability rider. Lets you increase the coverage on an annual basis to current income with no medical underwriting.
Non-cancelable rider. Prevents the carrier from changing the premium.
Available riders may vary by state and individual application.
Assurity offers a flexible product designed to cover a majority of Americans. With broad occupation classes, it is a top option for anyone with manual duties or jobs outside of traditional white-collar occupations.
Evaluation: 4.25 / 5
Contract: 4 / 5
Application process: 5 / 5
Customer service: 4 / 5
Underwriting: 4 / 5
A.M. Best rating: A-
BBB rating: A+