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18 to 85
Issue Age
$25,000 to $10,000,000
Coverage
| Benefit period | 1, 2, 5 and 10 years, and to age 65 or 67 |
|---|---|
| Waiting period | 30, 60, 90, 180 or 365 days |
| Policy Riders Offered | Yes |
Review by
Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
Assurity stands out for its broad occupation classes and covering a wide range of health- and work-related risks. But its financial ratings aren’t as strong as its competitors, and you’ll have to add non-cancelability to your policy for an extra fee.
To get the best possible policy, compare disability insurance companies.
Assurity offers business overhead expense (BOE) coverage, a type of disability insurance for businesses. As a business owner, if you’re unable to work due to a disability, your BOE policy will kick in to cover the lease, payroll and company-related expenses.
Assurity is accredited with the Better Business Bureau and has an A+ rating for customer service. There are no customer reviews on the site and three complaints, which is a good sign given the size of the company. During business hours, the insurer aims to answer 90% of calls within 30 seconds.
An insurer’s financial strength is important because you might not file a claim for many years. Assurity scores an A- (Excellent) rating from AM Best, which is the fourth-highest rating the agency awards. It currently manages $2.6 billion in assets, so it’s likely to have the resources to pay claims.
| Agency | Rating |
|---|---|
| A.M. Best | A- (Excellent) |
| Moody’s | N/A |
| Standard & Poor’s | N/A |
| Fitch | N/A |
| J.D. Power | N/A |
Start the process online. These are the steps:
If you want to skip the quote and speak directly to an agent, call 800-869-0355 between Monday to Thursday, 7 a.m. to 6.30 p.m. and Friday, 7 a.m. to 5 p.m.
Assurity is a mutual life insurance company specializing in life and disability insurance as well as annuities. Headquartered in Lincoln, Nebraska, it was formed in 2007 through a merger of three companies: Modern Woodmen Accident and Life, Security Financial Life and Lincoln Direct Life. It sells policies through a network of independent agents.
In 2015, Assurity became a Certified B Corp — and is the largest insurance company to do so. Its business practices are guided by sustainability and environmental ethics, and it’s committed to giving back to the community.