Founded in 2019, Breeze is the first insuretech 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. You can be confident when you shop for long-term disability insurance coverage with Breeze.
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!?"
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.
Breeze prides itself on its full pricing transparency. The company boasts that there are no hidden fees, period.
Breeze offers disability insurance for people whose jobs fall under these categories:
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.
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:
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.
All of Breeze’s disability policies are underwritten by Assurity Life Insurance Company and Principal Financial Group.
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.
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.
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.
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.
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.