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.

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.


A.M. Best ratingA-
BBB ratingA+
Company info“Assurity offers a wide variety of insurance products and services designed to solve complex financial problems for individuals, families, businesses and professional clients. Assurity is committed to tailoring our plans to fit your wide-ranging responsibilities and lifestyle with a variety of creative solutions for wealth accumulation and protection needs.”


Evaluation4.25/5 - 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.
Application process5/5
Customer service4/5

Base Policy Details*

Product nameCentury+
Elimination period30 days, 60 days, 90 days, 180 days, 365 days, subject to benefit period
Benefit period1 year, 2 years, 5 years, 10 years, Age 65, Age 67
Definition of disabilityTwo year Own Occupation, then Any Occupation.
GuaranteeGuaranteed Renewable
Partial/residual disabilityBasic Partial (extended via rider)

Built-in Features*

Presumptive Total DisabilityPresumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.
Home Modification BenefitAdditional benefit paid to cover required home modifications due to disability.
Survivor BenefitLump sum paid if the insured dies while receiving benefits.
Vocational Rehabilitation BenefitAdditional benefit paid while on claim to pay for vocational rehabilitation (voluntary).
Organ Donor BenefitBenefits cover disabilities caused by elective transplants.
Waiver of PremiumNo premiums once claim is approved.

Additional Riders Available*

Automatic Benefit Increase RiderIncreases the monthly benefit by 5% every year with no underwriting until the benefit doubles.
Catastrophic Disability BenefitAn additional monthly benefit is paid if you cannot perform two or more activities of daily living.
Critical Illness BenefitPays an additional lump sum benefit if diagnosed with one of the named conditions like cancer.
Guaranteed Insurability RiderLets you increase the coverage on an annual basis to current income with no medical underwriting.
Non-Cancelable RiderPrevents the carrier from changing the premium.

*Subject to availability based on individual applicant’s personal profile.