Breeze is an insurance marketplace founded in 2019, focusing on modernizing the process of buying long-term disability insurance. It partners with several highly-rated insurance providers, primarily Assurity Life Insurance Company, to offer a range of customizable disability insurance policies. Breeze’s streamlined online application process makes it an attractive option for individuals looking for quick and convenient coverage.
Pros of Breeze Disability Insurance
- Quick and Simple Application: Breeze boasts a user-friendly online application process that can be completed in about 15 minutes. This process includes automated underwriting, which speeds up the approval process significantly.
- Affordable Pricing: Breeze offers competitive rates due to its low overhead costs, with policies starting as low as $9 per month. The pricing depends on various factors including age, health, occupation, and lifestyle.
- Flexible Policies: Customers can choose from a variety of benefit amounts ($500 to $20,000), waiting periods (30 to 365 days), and benefit periods (5 years to lifetime). Breeze also allows for multiple riders to be added, enhancing the policy’s coverage.
- Comprehensive Coverage: Standard features include partial disability, presumptive disability, home modification benefits, survivor benefits, vocational rehabilitation, and organ donor benefits.
- Strong Financial Backing: Breeze’s policies are underwritten by Assurity Life Insurance Company, which is highly rated for financial strength, ensuring reliable claim payments.
Cons of Breeze Disability Insurance
- Limited to Long-Term Disability: Breeze only offers long-term disability insurance, with no options for short-term disability coverage.
- Newer Company: As a relatively new company, Breeze has fewer customer reviews and less established trust compared to long-standing competitors.
- Availability: Breeze is not available in New York state and may have other regional restrictions.
- Customer Service Hours: Breeze’s customer service is limited to business hours (8 a.m. to 5 p.m. CST), which may not be convenient for all users.
- Specialization: Breeze focuses solely on disability insurance, so it may not be suitable for those looking for a one-stop-shop for all their insurance needs.
Ratings and Expert Reviews
Breeze has received positive reviews for its innovative approach and customer-friendly policies. ConsumersAdvocate.org rates Breeze highly across various categories, giving it an overall score of 4.9 out of 5. Reviews from sources like Money Under 30, Benzinga, and LendEDU praise Breeze for its affordability, quick application process, and comprehensive coverage options.
Verdict
Breeze is an excellent option for those seeking a quick, affordable, and customizable long-term disability insurance policy. Its partnership with reputable insurers like Assurity Life Insurance ensures strong financial backing and reliable coverage. However, potential users should be aware of its limitations, including its focus on long-term disability and regional availability.
For more detailed information and to get a personalized quote, you can visit Breeze’s official website.
