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.


Founded 1890
A.M. Best rating A-
BBB rating A+
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.”


Evaluation 4.25/5 - 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.
Contract 4/5
Application process 5/5
Customer service 4/5
Underwriting 4/5

Base Policy Details*

Product name Century+
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.
Guarantee Guaranteed Renewable
Partial/residual disability Basic Partial (extended via rider)

Built-in Features*

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.
Home Modification Benefit Additional benefit paid to cover required home modifications due to disability.
Survivor Benefit Lump sum paid if the insured dies while receiving benefits.
Vocational Rehabilitation Benefit Additional benefit paid while on claim to pay for vocational rehabilitation (voluntary).
Organ Donor Benefit Benefits cover disabilities caused by elective transplants.
Waiver of Premium No premiums once claim is approved.

Additional Riders Available*

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.

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

Last updated on Dec 7th 2017