Assurity disability insurance review

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.

Headshot of Tim Torres


Tim TorresReviews EditorTim Torres is a former reviews editor at Policygenius, where he specialized in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.


Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Policy Details

Product name


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.


Guaranteed Renewable

Partial/residual disability

Basic Partial (extended via rider)

Built-in features

  • 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.

Available riders

  • 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

Company Info

  • Founded: 1890

  • A.M. Best rating: A-

  • BBB rating: A+