Disability Insurance Quotes

Your income is your most valuable asset. Disability insurance protects it. We're independent brokers who compare all five major carriers — Guardian, MassMutual, Principal, Ameritas, and The Standard — side by side for your profession, income, and state. No pressure, no single-carrier bias, just the best policy for you.

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Who Needs Disability Insurance?

If your lifestyle, your family, and your financial obligations depend on your ability to earn income — you need disability insurance. That's true whether you're a physician, a dentist, an attorney, an engineer, or any other professional whose career represents years of education and specialized training.

According to the Social Security Administration, one in four of today's 20-year-olds will experience a disability lasting 90 days or more before reaching retirement age. For high-income professionals, the financial consequences of an uninsured disability are severe — the income loss from a disability at age 45 can easily exceed $5 to $10 million in career earnings. Disability insurance is the one financial product specifically designed to address that risk.

Coverage for Your Profession

Every profession carries its own disability risks, and the best policy for a surgeon is different from the best policy for a solo attorney or a self-employed consultant. We build coverage around your specific profession, income, and career stage.

Physicians

True own-occupation coverage for all specialties

Dentists

Specialty-specific coverage for dental professionals

Attorneys

Own-occupation coverage for all legal practice types

Engineers

Coverage tailored to technical professionals

Self-Employed

Individual coverage when there's no employer plan

Non-US Citizens

Coverage options for visa holders and green card holders

Key Policy Features to Understand

Before comparing quotes, it helps to understand the key features that separate a strong disability policy from an inadequate one. The most important is the definition of disability — specifically, whether your policy uses a true own-occupation definition or a weaker any-occupation standard.

Definition of disability — True own-occupation pays if you can't work in your specialty, even if you're capable of other work. Any-occupation pays only if you can't work in any field. The difference can mean hundreds of thousands of dollars in denied claims.

Elimination period — The waiting period before benefits begin, typically 60, 90, or 180 days. A 90-day elimination period is the most common choice for working professionals.

Benefit period — How long benefits are paid. To age 65 is the standard recommendation for high-income professionals — a disability at 40 could mean 25 years of payments.

Non-cancelable and guaranteed renewable — Means the carrier cannot raise your premiums or cancel your policy as long as you pay. Non-negotiable for any serious long-term DI policy.

Residual disability rider — Pays proportional benefits if you're partially disabled and working reduced hours or at reduced capacity. Strongly recommended for all buyers.

See our full Policy Basics guide for a plain-English breakdown of every key term and rider.

Compare All 5 Major Carriers — Free

We compare Guardian, MassMutual, Principal, Ameritas, and The Standard simultaneously for every client. Because we're independent — not employed by any carrier — we have no financial incentive to recommend one company over another. Our only goal is to find the best policy for your situation.

A common misconception is that buying directly from the carrier saves money. It doesn't — premiums are regulated by state insurance departments and are identical whether you buy through a broker or direct. The difference is that a broker compares all five carriers and finds available association discounts, multi-life discounts, and unisex rates that can reduce your premium by 15–30%. See our full Carriers comparison page for detailed profiles of each company.

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