​Breeze also offers a quick and easy online application process with automated underwriting, making it a convenient option for busy individuals.What we don’t likeBreeze is a relatively new company, founded in 2019, and doesn’t have the same history and reputation as other providers. Additionally, coverage is not available in all states, including New York.ProsOffers long-term disability coverage up to age 67Offers a variety of riders for additional coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or applicationsWhy we chose it: Guardian offers comprehensive long-term disability coverage with a variety of riders to customize your policy.Read our reviewWhat we likeGuardian offers long-term disability coverage up to age 67, with flexible benefit periods and waiting periods. The company also offers a variety of riders, including cost-of-living adjustments, residual disability benefits, and catastrophic disability benefits. Additionally, Guardian considers a wide range of occupations for coverage, making it a good option for those in high-risk professions.What we don’t likeGuardian doesn’t offer online quotes or applications, so you must speak with an agent to purchase coverage. This can be a time-consuming process, and you may not receive an immediate response.ProsOffers both short- and long-term disability coverageShort waiting periods available for short-term coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or applicationsWhy we chose it: Mutual of Omaha offers both short- and long-term disability coverage with short waiting periods available for short-term policies.Read our reviewWhat we likeMutual of Omaha offers both short- and long-term disability coverage, with short waiting periods available for short-term policies. The company also considers a wide range of occupations for coverage, making it a good option for those in high-risk professions.What we don’t likeMutual of Omaha doesn’t offer online quotes or applications, so you must speak with an agent to purchase coverage. This can be a time-consuming process, and you may not receive an immediate response.ProsOffers both short- and long-term disability coverageShort waiting periods available for short-term coverageConsiders a wide range of occupations for coverageConsDoesn’t offer online quotes or applicationsWhy we chose it: State Farm offers both short- and long-term disability coverage with short waiting periods available for short-term policies.Read our reviewWhat we likeState Farm offers both short- and long-term disability coverage, with short waiting periods available for short-term policies. The company also considers a wide range of occupations for coverage, making it a good option for those in high-risk professions.What we don’t likeState Farm doesn’t offer online quotes or applications, so you must speak with an agent to purchase coverage. This can be a time-consuming process, and you may not receive an immediate response. Additionally, coverage may not be available in all states. 

Source:Read More