Breeze

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

Positive Reviews

Although Breeze has a small number of reviews on BestCompany.com, the reviews are mostly positive.

Reviewers praise Breeze's simple, online process for buying disability insurance.

Customer Review: Cameron Turner from Menlo Park, California

"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!?"

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 making these adjustments will change your cost per month.

As you consider policy options, pay attention to how and under what conditions you can access your disability benefits. Understanding this information will help you make a good purchase decision and successfully use your disability policy once you have it.

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. These add-ons are helpful in the sense that they allow you to personalize and enhance your coverage. Listed below are some of the insurance riders you may be able to add to your coverage:

• Automatic Benefit Increase Rider — annually increases your disability benefit based on your age as long as your medical history is good.
• Non-Cancellable Rider — prevents the insurer from making changes to your policy, its cost, or cancelling it.
• Residual Disability Benefit Rider — allows you to receive some disability benefits if your not able to work as usual but are not considered totally disabled.
• Guaranteed Insurability Rider — allows you to buy more insurance if your needs change.
• Own Occupation Rider — pays the disability benefits if you can't do the job you trained for even if you could change careers.
• Supplemental Disability Income Rider — combines your policy with other programs like Social Security and workers' compensation, which can help lower your monthly premium.

Ultimately, you decide which types of extra coverage you'd like to add to your disability policy. The ability to customize your policy gives you more coverage options to find something that meets your needs and fits your budget.

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."

These partnerships make Breeze disability insurance reliable and trustworthy. 

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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• Not Offered by Breeze
• Must Provide Payment Information
• Costs Can Vary

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. This insurance product is typically offered by employers.

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.

Costs Can Vary

Insurance policies are underwritten to asses risk and cost. Your insurance cost will be affected by the underwriting, the coverage amount (i.e. monthly benefit), policy terms (e.g. waiting period), and riders you add to your policy. All of these factors mean that disability insurance premiums vary person to person and policy to policy.

Luckily, it's easy to get a personalized quote from Breeze's website if you want to get a better sense of what your disability insurance cost would be.