Founded in 2019, Breeze is the first insurtech company to modernize disability insurance.

The company’s application process is 100 percent online and only takes about 10 minutes to complete. Breeze offers individual long-term plans for as low as $9 per month. 

Breeze doesn’t do commissioned sales, so there is never any worry about being hassled by salespeople.

The Good

  • Simple Application Process
  • No Hidden Fees
  • Occupational Limits
  • Available Riders
  • Financial Strength
  • Resource Center

Simple Application Process

To get started, you will need to enter some basic information about yourself including your birthdate, gender, type of worker (employee, business owner, or independent contractor), job category, net annual income, zip code, nicotine use, and what kind of coverage you’re looking for. 

After answering the questions, Breeze will present you with several recommended options; however, you can choose to alter the benefit period, waiting period, and optional riders to customize your coverage — keep in mind that doing so will change your cost per month. 

No Hidden Fees

Breeze prides itself on its full pricing transparency. The company boasts that there are no hidden fees, period. 

Occupational Limits 

Breeze offers disability insurance for people whose jobs fall under these categories:

  • Professional — e.g., accountant, architect, programmer, real estate agent, consultant
  • Technical — e.g., dental hygienist, event planner, nurse, doctor
  • Light labor — e.g., beautician, carpenter, electrician
  • Labor — e.g., construction worker, roofer, removalist

However, keep in mind that Breeze won’t cover a handful of occupations, including athletes, authors, entertainers, longshoremen, pilots, self-employed artists, and military members.

Available Riders

When buying disability insurance, you can add a rider to your coverage. Riders are helpful in the sense that they allow policy owners to personalize and enhance their coverage. Listed below are some of the insurance riders Breeze offers:

  • Automatic Benefit Increase Rider
  • Non-Cancellable Rider
  • Residual Disability Benefit Rider
  • Guaranteed Insurability Rider
  • Own Occupation Rider
  • Supplemental DI Rider

Ultimately, you decide which riders to add on to your coverage.

Financial Strength

All of Breeze’s disability policies are underwritten by Assurity Life Insurance Company and Principal Financial Group. 

  • Principal Financial Group currently has an A rating with A.M. Best
  • Assurity Life Insurance Company has an A.M. Best rating of A-

According to A.M. Best, “A Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. 

Resource Center

On Breeze’s website, you’ll find a variety of blog articles, ranging in topics from tips to working from home to whether mental illness is considered a disability. The blog is an excellent resource if you’re looking for more general information about the industry. Still, if you’re looking for something a little more in-depth about the company and its policies, we suggest taking a look at Breeze’s frequently asked questions page.

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The Bad

  • Not Offered by Breeze
  • Must Provide Payment Information

Not Offered by Breeze

Breeze does not offer short term disability insurance or group disability insurance. 

Short term disability insurance provides income protection against temporary injuries and illness. The waiting period is typically 14 days and the benefits usually last about six months. 

Group disability insurance provides income protection that covers more than one individual and their ability to earn an income. With group disability plans, all members of a specific company or organization are offered the opportunity to receive coverage. 

Must Provide Payment Information

To move forward with your application, Breeze requires you to have a credit card on file. However, you will not be charged until you have accepted coverage and your plan has been issued. 

The Bottom Line

Looking to shake up the insurance industry, Breeze allows you to search and apply for disability insurance online. The company has drastically reduced the time and paperwork needed for the entire process (just fill out a short application form) and you can get your disability insurance policy in place in as little as 15 minutes. Breeze offers individual, long-term plans for as low as $9 per month, but feel free to add on additional riders if needed. 

If you’re looking for long-term disability insurance, then Breeze may be right for you (however, if you need short-term disability coverage or group disability insurance, then you’ll need to look elsewhere).

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User Reviews

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10 Reviews

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NH

June 13th, 2020 , DETAILS arrow_drop_down
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Just what I was looking for. Not overly complicated and I felt confident in the insurance product that I was getting.

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ConnorMeuret

June 8th, 2020 Omaha, NE DETAILS arrow_drop_down
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I discovered Breeze while searching the internet for disability insurance coverage. Breeze made it easy for me to understand exactly what coverage I was getting and really just made the overall experience much more enjoyable then I was expecting. Thank you, Breeze!

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Brian K

June 5th, 2020 Omaha, NE DETAILS arrow_drop_down
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Awesome company to work with. I was able to apply and get a policy completely online on my phone. Price was great.

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NM

June 2nd, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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Tech-enabled insurance is way easier and more slick than the standard process.

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Cameron Turner

May 22nd, 2020 Menlo Park, CA DETAILS arrow_drop_down
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It was literally a "Breeze"; not an understatement. Not only is this firm extremely tech-enabled, they are very personal; their CEO called me to thank me and ask for feedback. Who does that anymore!?

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Shelly Tyson

May 22nd, 2020 Columbia, MO DETAILS arrow_drop_down
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Easy to work with and to understand. And I can afford it

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Joe Dykes

May 22nd, 2020 Clinton, MS

The process has been simple and quick. Any questions I had were quickly answered and left me fully prepared to make a decision for coverage.

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Michelle Cheuk

May 22nd, 2020 Saint Paul, MN DETAILS arrow_drop_down
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Wow, really easy to apply for disability insurance (or as easy as can be). Kind of like Geico. Great interface; smooth, fast process; excellent, responsive follow-up and customer service. Any questions I had, they were cheerful, enthusiastic, prompt, and thorough. CEO even called me to ask how the process was. I told him about a couple of small hiccups, but I feel confident that they will smooth it out quickly. They seem dedicated to offering a great service. Highly recommend.

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Adam Jensen

May 22nd, 2020 Moreno Valley, CA DETAILS arrow_drop_down
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Great communication and easy to signup online

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Brendan Calloway

May 22nd, 2020 Laurel, MD DETAILS arrow_drop_down
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Very easy to understand, good options available, and great customer interaction.

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