Disability insurance to protect your income. Coverage when you need it most.
✓ Income protection
✓ Fast claims
✓ Affordable rates
✓ Flexible terms
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All Disability Providers (16)
💪 Unum
★ 4.8/5.0
$50 - $246
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Largest U.S. disability insurer by market share — Unum Group reports paying over $8 billion in benefits annually across disability, life, and supplemental lines
- • Dominant in employer-sponsored group long-term and short-term disability, making coverage available to millions of workers as a workplace benefit (often with guaranteed-issue, no medical exam)
CONS
- • Primarily sold through employers — individual disability income (IDI) policies are limited compared to specialists like Guardian/Berkshire Life, Principal, or MassMutual
- • Has a documented history of disability claims-handling disputes, including the 2004–2005 multistate regulatory settlement (with the U.S. Department of Labor and 48 state insurance commissioners) that required reassessment of previously denied claims
💪 Transamerica
★ 4.7/5.0
$114 - $329
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Minnesota Life
★ 4.7/5.0
$80 - $217
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Backed by Securian Financial's A+ (Superior) AM Best rating and 140+ year operating history dating to 1880
- • Strong presence in voluntary group disability through workplace and association programs (notably long-standing relationships with credit unions via CUNA Mutual partnerships and law-firm bar associations)
CONS
- • Does not offer a true individual disability income (IDI) product line comparable to Guardian, Principal, MassMutual, or Ameritas — coverage is largely group/employer-based
- • Limited direct-to-consumer purchasing path; most policies require access through an employer, association, or licensed Securian advisor
💪 LPL
★ 4.6/5.0
$42 - $326
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Acts as an independent distributor rather than a captive carrier, so its advisors can quote disability policies from multiple top-rated insurers (Guardian, Principal, MassMutual, The Standard, Ameritas) and compare definitions of disability side-by-side
- • Backed by the scale of LPL Financial Holdings (Nasdaq: LPLA), the largest independent broker-dealer in the U.S. by reported revenue, with roughly 23,000 affiliated advisors as of recent SEC filings — meaning local advisor access in most U.S. markets
CONS
- • LPL itself does not underwrite, issue, or pay claims on disability policies — claims experience, definitions of 'own occupation,' premium rates, and AM Best ratings depend entirely on the third-party carrier the advisor places coverage with
- • There is no single 'LPL disability insurance' product, price, or policy form to compare on a rate-shopping site; pricing and features vary by which carrier the individual advisor recommends
💪 Nationwide
★ 4.5/5.0
$47 - $245
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Nationwide Life Insurance Company holds an AM Best A+ (Superior) financial strength rating, supporting long-term claims-paying ability on multi-decade DI policies
- • Mutual company structure (founded 1926 as Farm Bureau Mutual) means policyholders, not Wall Street shareholders, are the primary stakeholders — relevant for long-tail disability claims
CONS
- • Disability insurance is not a headline product line — Nationwide's DI offerings receive far less marketing and online quoting infrastructure than specialist carriers like Guardian, Principal, or MassMutual
- • Individual DI is generally sold through licensed financial advisors rather than instant online quote-and-bind, so getting a quote typically requires an advisor appointment
💪 Principal
★ 4.4/5.0
$29 - $339
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Offers true 'own-occupation' definition of disability through optional rider, with specialty-specific protection commonly used by physicians, dentists, attorneys, and other professionals
- • Strong suite of business-focused DI products including Disability Buy-Sell, Key Person Replacement, and Business Loan Protection — a more comprehensive small-business DI lineup than most competitors
CONS
- • Individual DI is sold exclusively through agents and brokers — no direct online quoting or instant binding, which can slow the application process compared to digital-first carriers
- • Underwriting for higher-income professionals typically requires medical exams, financial documentation, and tax returns, making approval slower than simplified-issue competitors
💪 MassMutual
★ 4.4/5.0
$35 - $162
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • AM Best A++ (Superior) financial strength rating, reflecting one of the highest tiers of claims-paying ability in the industry
- • Mutual company structure (policyholder-owned since 1851) means eligible participating policyholders may receive annual dividends, a feature most stock-company DI carriers don't offer
CONS
- • Individual DI policies are sold almost exclusively through licensed agents/brokers — no direct online quote-and-buy path, which slows shopping for self-directed consumers
- • Premiums tend to skew higher than mass-market carriers (e.g., Mutual of Omaha, Assurity) because the products are positioned for professional-class buyers with richer rider sets
💪 Northwestern
★ 4.3/5.0
$23 - $346
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 MetLife
★ 4.3/5.0
$81 - $162
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Berkshire
★ 4.2/5.0
$70 - $300
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Mutual of Omaha
★ 4.1/5.0
$36 - $182
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Securian
★ 4.1/5.0
$32 - $259
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Allianz
★ 4.1/5.0
$72 - $271
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Guardian
★ 4/5.0
$81 - $309
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 RLI
★ 4/5.0
$58 - $274
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
💪 Lincoln
★ 3.9/5.0
$31 - $331
Coverage Types:
Short-termLong-termOwn-occupation
Deductible: 30-90 days
Key Features:
- ✓ Income protection
- ✓ Own-occupation
- ✓ Inflation protection
PROS
- • Strong company
- • Good coverage
CONS
- • Higher cost
- • Complex policies
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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