Breeze vs Policygenius

Whether you work with Breeze or Policygenius, you can view long-term policy options and rates after answering a few questions. You can also adjust the policy recommendations to better fit your needs by adjusting the benefit period, waiting period, benefit amount, and adding riders.

Policygenius initially shows you rate estimates in ranges. Once you choose a policy, you'll receive an email from Policygenius with quotes from multiple insurers. From there, you can work with a licensed Policygenius agent to apply and find a policy that meets your needs. The ability to explore policy options from multiple insurers is an advantage of working with Policygenius.

If you apply for a policy and are not approved or approved at a rate you can't afford, Policygenius agents will work with you to make adjustments and find another option. Its agents have experience finding policies for people with complex medical histories, which is advantageous if you have pre-existing conditions.

In contrast, Breeze shows more specific quotes and allows you to apply instantly. Its policies are underwritten by Principal Financial Group and Assurity Life Insurance Company. Some applicants can even buy a policy immediately following their application. The possibility of quickly buying disability insurance coverage is an advantage of working with Breeze.

As you weigh policy options versus process speed, consider the policy riders offered by each company. Riders can add coverage or protection to your policy. Breeze and Policygenius both offer own occupation and residual disability riders.

Own occupation riders define disability as preventing you from working in your own occupation, even if you could change careers.

Residual disability allows you to receive some benefits if you experience a lower level of disability but are not totally disabled.

Both companies also offer similar riders that allow future purchases to increase coverage and protect your policy from being cancelled by the insurer. Breeze's noncancellable rider offers more thorough protection because it prevents policy and cost changes as well.

Breeze offers a few more rider options than Policygenius. These include an automatic benefit increase rider and a supplemental disability income rider. The automatic benefit increase rider automatically increases your benefit as you age as long as your medical history is good. 

The supplemental disability income rider combines your policy with Social Security benefits and worker's compensation, which lowers your premium.

If you're interested in a quick, online quote to purchase process with more rider options, Breeze is the best company to work with. If you prefer to explore options from multiple insurers or have pre-existing conditions that might make being approved for a policy difficult, Policygenius is the better choice.