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Policygenius Disability Insurance Reviews

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About Policygenius Disability Insurance

Policygenius offers live advice to help you decide how much coverage you need before you buy. At Policygenius, the mission is to make this a simple, easy process from start to finish.

Visit www.policygenius.com/disability-insurance
Pros
  • Clear explanations
  • Evaluates 17 providers
  • Simple quote tool
Cons
  • May require medical exams

Helpful Reviews

Kenmore, WA
Verified purchase
Policygenius really impressed me throughout the whole process. I really felt that Policygenius was there to help me figure out if disability Insurance is right for me and they mad...

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Midvale, UT
Verified purchase
Policygenius's process for obtaining long-term disability insurance was great. I entered relevant information for generation of quotes and was then able to see the quotes and disc...

Read more

How does Policygenius Disability Insurance work?

Policygenius' agents know that insurance is confusing and full of jargon and unclear pricing. To make the disability insurance shopping experience simple, Policygenius built an easy-to-use tool with clear definitions and a simple interface to guide customers to the best option.

Customers fill in basic information about their age, health, career and coverage needs, and Policygenius gives a quote range for disability insurance policies in less than five minutes. At each step of the questionnaire, Policygenius provides simple definitions for terms that customers may not understand and makes recommendations for coverage options. Policygenius presents the best quotes after scanning 17 trustworthy providers. Some recommended companies may need further information and medical exam results before locking in a specific price.

For any customers who still have questions, Policygenius has a learning center for disability insurance that answers common questions about coverage and cost. Customers can also reach Policygenius representatives by chat, phone or email almost any time of day. They can help you understand your options and help you find the most cost-effective plan for your needs.

Can I trust the disability insurance companies Policygenius recommends?

Yes, all of Policygenius' partners have an excellent reputation for customer service and a long-standing history of financial stability. Policygenius only provides quotes for disability insurance from:

  • Ameritas
  • Assurity
  • Fidelity Security
  • Guardian/Berkshire
  • Illinois Mutual
  • >MassMutual
  • MetLife
  • Mutual of Omaha
  • Northwestern Mutual
  • Ohio National
  • Petersen International
  • Principal Financial Group
  • RiverSource
  • State Farm
  • The Standard
  • Thrivent
  • Unum

Policygenius Disability Insurance coverage options

Although not a disability insurance provider, Policygenius' aggregator tool provides customers with coverage options. The tool connects them with the most economical providers with the right amount of coverage. Policygenius allows customers to choose coverage preferences for:

  • Waiting period: Instead of a deductible, disability insurance providers require customers to wait for a period of 30, 60, 90, 180 or 365 days before receiving coverage. The shorter the waiting period, the more expensive the plan. Policygenius generally recommends that customers select the 90-day wait period.
  • Monthly benefit: If you cannot work, you receive a monthly payout that equals a certain percentage of your pretax income. If you want a higher payout, you need to pay a higher monthly premium. Policygenius allows customers to choose up to 60%, which is the amount the company recommends.
  • Benefit period: An injury or health problem can come at any time, so Policygenius recommends choosing a plan that lasts until retirement. However, some customers want the lower premiums that come with limited-time coverage. With Policygenius, customers can choose coverage for two, five or 10 years or until retirement at 65 or 67.
  • Riders: Policygenius offers add-ons that increase the price but add further protection. These include:
    • Own occupation disability insurance covers disabled persons if their injury precludes them from working in their specific industry but allows them to work in another.
    • Residual disability policies cover disabilities that inhibit one or more of your occupational duties and result in a significant loss of income.
    • A non-cancelable insurance policy ensures that an insurer cannot cancel, increase premiums of or reduce the benefits of a policy as long as the policyholder continues to pay premiums.
    • Future purchase option allows you to increase your monthly benefit amount annually when your income increases.

How much does Policygenius Disability Insurance cost?

Disability insurance bought through Policygenius typically costs between $30 and $700 per month, depending on personal information and coverage needs. In general, people with high coverage and a higher likelihood of becoming disabled pay more than the average. Younger people with healthy living habits and an accident-free career have the lowest rates. In contrast, older, less healthy people with dangerous jobs have higher premiums.

Though age, career and health are not often in your control, you can cut monthly premiums with coverage options. With long waiting periods, low monthly benefits, short benefit periods and minimal riders added, you can significantly lower premiums.

However, cutting out too many benefits could be problematic if you don’t end up getting the coverage that you need. We recommend sticking to middle-ground benefits for generous coverage at a reasonable price.

Policygenius Disability Insurance FAQ

Is Policygenius a disability insurance provider?

No, Policygenius is an independent broker for disability insurance. The company provides customers with the lowest quotes from national providers.

Are the providers recommended by Policygenius actually good?

Yes. Policygenius only provides quotes from companies that have great reputations for customer service and financial stability. When Policygenius agents recommend policies, they’re providing the lowest prices from top companies.

Does Policygenius require a medical exam for disability insurance?

Policygenius does not require customers to get a medical exam to get a quote, but the provider may require one before activating the plan. If you answer health questions honestly when getting a quote, Policygenius quote ranges are accurate in most cases — even before a medical exam.

Still have questions?

Do we recommend Policygenius Disability Insurance?

For those who want affordable disability insurance quotes in less than five minutes, Policygenius is the right choice. Because Policygenius evaluates 17 insurance providers, you have a wide selection of policies with the lowest price points. Customer service representatives are available by online chat, email or phone to answer any questions.

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Policygenius Disability Insurance Reviews

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    How do I know I can trust these reviews about Policygenius Disability Insurance?
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    Page 1 Reviews 0 - 40
    CoverageStaff

    Reviewed Oct. 21, 2025

    Policygenius really impressed me throughout the whole process. I really felt that Policygenius was there to help me figure out if disability Insurance is right for me and they made everything very simple. I had many many questions and I received thorough answers to all of them!

    Thanks for your vote!
    CoverageRefunds & PayoutsStaffTransparency

    Reviewed Oct. 11, 2024

    I hate dealing with the Insurance industry - I KNOW that they’re here to make money off our fears of risk…while looking for every loophole to avoid actually taking care of people. Policygenius has been a lifesaver, back when I applied for life insurance years ago, and now when I applied for a disability insurance policy as a self-employed person.

    They helped me make sense of convoluted clauses and terminology, highlighted things they felt I should understand, and offered knowledge without pressure. They also kept me informed every step of the way, helped with the stressful medical info process (a million questions about every little thing in my health history) and checked in regularly with the underwriters in order to keep me updated.

    They aren’t enamored with insurance companies, but are instead genuinely here to help us - the consumers - navigate it all. You do have to remember that, as brokers, they can help us navigate things but CAN’T ultimately influence or change the decisions that any insurance company makes. That said, shopping for or dealing with insurance companies can be a dehumanizing and demoralizing experience, one that makes you feel like a statistic instead of a person. Policygenius’ hands-on support helps you feel human and navigate a confusing and obscure world more clearly, so you can make the best decisions for yourself.

    Thanks for your vote!

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      CoveragePriceStaffBillingTransparency

      Reviewed Sept. 27, 2024

      Policygenius's process for obtaining long-term disability insurance was great. I entered relevant information for generation of quotes and was then able to see the quotes and discuss them with a knowledgeable agent, Elia. This conversation helped to clarify questions I had as well as policy options to consider, without having any hint of pressure. Once I had decided which of the offers to go with it was straightforward to complete the necessary forms. There were several points at which I had detailed questions about the coverage, the process to obtain coverage, how payment would work, etc. and all of those questions were understood and thoroughly answered. I felt that the entire process was transparent, comprehensible, and fair. It took a decent amount of time from start to finish (roughly 6 weeks) but I think that that was the fastest things could have gone. Overall a great experience.

      Thanks for your vote!
      CoverageStaff

      Reviewed Aug. 6, 2024

      Absolutely thrilled with my experience with Policygenius! From start to finish, working with them was a breeze. Their team was incredibly friendly, knowledgeable, and responsive, making the process smooth and stress-free. They took the time to understand my unique needs and helped me find the perfect insurance policy tailored for me. It’s clear they genuinely care about their clients and provide top-notch service. I highly recommend Policygenius!

      Thanks for your vote!
      Customer ServiceCoverageSales & MarketingStaffHonesty & Transparency

      Reviewed Sept. 19, 2022

      I researched and spoke to multiple disability insurance agent companies before I decided to go with Policygenius. From my first call with Steven **, I knew that choosing policygenius was the right choice. Steven and the policygenius team were all honest, easy to communicate with (phone, email, text), friendly, professional, and knowledgeable. They guided me through the whole process and answered my many questions which made it stress and worry-free. They also did not spam me with texts, phone calls, or emails like other companies did. I have recommended their company to all of my colleagues and friends because of the great service that they provided for me. I have zero regrets in choosing policygenius and would choose them again for my future insurance needs.

      Thanks for your vote!
      CoverageStaff

      Reviewed Aug. 9, 2022

      Policygenius helped me get life insurance and long-term disability insurance in July 2022. As a self employed person, this was something I'd be thinking about for a while, but put off due to the amount of work associated with finding the right insurer. It can be hard finding insurance when you work for yourself. The folks at Policygenius were very knowledgeable and did all the heavy lifting in finding the right insurance company to fit my needs. I'd definitely consider using them in the future.

      Thanks for your vote!
      CoveragePriceTransparency

      Reviewed June 28, 2022

      Policygenius makes buying disability insurance so easy. It does not cost any extra to go through them, which benefits you as the customer. They compare quotes for you for free and are extremely communicable about which options are the best. They will regularly check in with updates during the underwriting period as well. I had a great experience with every person I spoke to throughout the process. Would highly recommend Policygenius.

      Thanks for your vote!
      Customer ServiceStaff

      Reviewed Sept. 20, 2021

      From the very beginning the company has been hands on and communicative. They made getting disability a much less daunting task. Friendly email check ins letting me know what was going and and where we were in the process put me at ease throughout the entire journey. Strongly recommend them.

      Thanks for your vote!
      CoveragePricePunctuality & SpeedStaffRates

      Reviewed March 20, 2021

      I found Policygenius on a google search for long-term disability plans and gave them a try. I am happy that I did. They were able to match me with a plan that fits my needs for an affordable price. The agent was constantly in contact with me with were I stood in the process. Whenever information was needed from the underwriter the agent was quick to relay the information back to them. The process of getting Long term disability is not easy or fast but is definitely worth the time. I would highly recommend policygenius for not just long-term disability but all your insurance needs.

      Thanks for your vote!
      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffBillingRatesTransparency

      Reviewed July 31, 2020

      Quick, fast and easy and fast updates! Loved the customer service. Always asked me if I had any questions or concerns. The rate and the breakdown of my payments was amazing and so much affordable. I would recommend Assurity to any of my friends.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoverageStaffTransparency

      Reviewed July 31, 2020

      I've worked with Policy Genius team for my life insurance and now disability. They have been responsive and have guided through the process. I work fulltime and am constantly on calls and working in a team that has my full attention; having a member of the policy genius team keep in contact with updates and accessible through email, it's a wonderful experience.

      Thanks for your vote!
      Verified purchase
      Punctuality & Speed

      Reviewed July 30, 2020

      Policygenius made the overall experience a breeze. They communicated surprisingly well and often throughout the process so I didn’t have to wonder what was happening. They provided an extremely competitive policy and did it in a quick and simple manner. Would definitely recommend!

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      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed July 28, 2020

      Excellent, straightforward service throughout the insurance process! If I had a question, I would receive an answer within 24 hours. You can work with them over the phone or email and receive the same great service! It could not have been easier as they take care of everything for you, exactly what I was looking for: someone to search multiple insurance companies and then walk me through applying at the best option for me without having to contact multiple different phone numbers or emails to get the insurance done.

      Thanks for your vote!
      Verified purchase
      CoveragePunctuality & SpeedStaffEase of Use

      Reviewed July 16, 2020

      Policygenius made shopping for disability insurance easy and convenient. Their process is user friendly and speedy. I recommend their services to anyone shopping for the best insurance plan they can find. I am glad I heard about them before I decided I needed disability insurance.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed July 16, 2020

      Applied for long-term disability insurance with their help. The process was seamless and they were great at following up to make sure I had all documents and information ready to go. They offered information on different insurers and recommended the best options for me. Highly recommended.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed July 13, 2020

      I was so slow responding to all the correspondence and Nitin was SO patient with me and kept persevering to help me get my insurance goals met. So grateful for this company! I am now insured and can scratch it off my list.

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      Verified purchase
      CoverageStaff

      Reviewed June 22, 2020

      Had a pleasant experience getting my long-term disability insurance policy. Agents were professional and friendly. They were patient in answering questions. No up-selling or trying to get me to buy other products. I got the product and coverage I wanted. Thanks!

      Thanks for your vote!
      Verified purchase
      CoveragePriceStaffRates

      Reviewed May 21, 2020

      Faced with the daunting task of shopping for disability insurance, I turned to the Internet. Luckily I was lead to Policygenius! The experience was fantastic. Everyone was nice, patient, well-informed, and easy to deal with. I learned a great deal about the products available and which features were most important to me. I feel like I got great coverage at a very reasonable price. Thank you to all the staff at Policygenius for helping me through the process!

      Thanks for your vote!
      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed May 15, 2020

      The team is very friendly and polite. The issue is when things start to slow in movement. Unfortunately they resort to excessive texting, phone calls and emails daily. Because of this I would not recommend you all to a friend unless they were able to dedicate time to this on a daily basis.

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      Verified purchase
      Customer ServiceCoveragePricePunctuality & SpeedRates

      Reviewed May 15, 2020

      I was researching disability insurance and came across Policygenius on my Google search. It was very straightforward and clear in asking me what I was looking for and I promptly received 4 quotes from 4 different companies as well as the recommendation for which company they would recommend that had all I was looking for at the best price. I was a little slow on responding back and was continuing to do my own research on what exactly I wanted in a policy, and they were more than happy to talk to me on the phone on my schedule and clarify any questions on what I was shopping for. Ultimately ended up selecting a company and policy slightly more expensive than the one they recommended and after a brief phone call interview and few documents signed I now own an individual policy that overall took about a month of time! Overall an extremely easy process and I would have no hesitation in recommending policygenius in shopping for insurance!

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedStaffTransparency

      Reviewed May 11, 2020

      My PolicyGenius experience was a breeze. During the same time period that I got long-term disability insurance through PolicyGenius, I was getting another kind of insurance with a different broker, and by comparison, my experience with PolicyGenius was much more enjoyable! PolicyGenius is well organized, communicates status updates, was prompt with next steps, and contacted the insurance provider directly on my behalf multiple times when I had very detailed questions. I also spoke with PolicyGenius agents quite a few times over chat and phone with concerns and questions. They were fantastic at explaining details and helping me feel comfortable. They never made me feel dumb for having lots of questions. I will definitely use PolicyGenius in the future to shop for insurance.

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      Verified purchase
      Punctuality & SpeedRates

      Reviewed April 17, 2020

      Policy Genius paid attention to details and got me the best deal. They backdated my application by a few weeks to put me in the age bracket where I would get lower rates, even though I dropped the ball and didn't get back to them for like forever once my application was approved. Also, the people I dealt with were good listeners and took time to find out answers to some questions I had about the policy I was considering. Thanks Policy Genius.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed April 14, 2020

      This team made a very confusing process simple and straightforward. We worked through several changes and they always were there to guide and help me. Rapid response time and easy to set up phone meetings to further discuss questions. Took the stress out of applying for disability insurance. 10/10 recommend!

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed April 14, 2020

      It was really nice working with a company like Policygenius to hold my hand through a process I knew nothing about. They stuck with me from the very beginning to the very end and helped me find a policy to fit my needs. Thank you so much Policygenius team!

      Thanks for your vote!
      Verified purchase
      PriceStaffRates

      Reviewed April 13, 2020

      All the agents I interacted with were very helpful and skilled at explaining the details of my policy options. I felt like they took the time to understand my personal situation and were able to steer me towards the right choices for the most appropriate policy and best price.

      Thanks for your vote!
      Customer ServiceCoverageTechSales & MarketingPrice

      Reviewed April 11, 2020

      About a month ago I requested a quote for supplemental disability insurance. After doing the phone interview with the proposed insurance company I received three more calls from the same contractor that company had contracted with to perform this duty. While I will give Policy Genius the benefit of the doubt, I asked on numerous occasions for my approved modified policy in writing which they could not provide at the time they said I was approved. Instead, they sent me an invitation to discuss the policy without offering anything in writing, including the terms and the conditions of the policy offer. In order to expedite the process or remedy any issues raised, I even offered to go to a doctor on my own dime to get my blood drawn and get a full physical. I was told because this policy had a no physical exam requirement; I was not able to do this. Please drop the bait and switch tactics.

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      Verified purchase
      Customer ServiceCoveragePrice

      Reviewed April 10, 2020

      My interactions with Policygenius have been efficient and organized throughout each step of applying for disability insurance. The quotes provided were clear and my questions were answered by the customer services team. I now have a policy I am happy with that gives me much more security.

      Thanks for your vote!
      Verified purchase
      CoverageStaffTransparency

      Reviewed April 4, 2020

      Overall the experience was very positive! Updates relative to the status of application were frequently received and the staff provided assistance through all steps of the process. I would strongly recommend the service for anyone seeking this important backup coverage.

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      Verified purchase
      StaffEase of Use

      Reviewed March 9, 2020

      Working with Policygenius was very simple -- I found them to be quite helpful in navigating through all the elements of the process and incredible knowledgable about the questions I had. Their platform was easy to use and they were accessible and responsive. A big thanks to Oreno for all of his help!

      Thanks for your vote!
      Verified purchase
      CoverageTechStaffTransparency

      Reviewed March 8, 2020

      I was really impressed with the ease of the application process as well as the responsiveness and expertise of the PolicyGenius staff in answering my questions throughout the process. I was pleasantly surprised that the PolicyGenius staff regularly updated me on the status of the application and paperwork with the insurance provider.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed March 4, 2020

      Policy Genius did a great job of helping me understand my policy options and keeping track of my application process for long-term disability insurance. I was very pleased with the service, professionalism, and speed of response they provided. I intend to use them again when I am looking for future insurance policies (auto, life, etc.). Thanks, PG team!

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      Verified purchase
      CoveragePricePunctuality & SpeedStaff

      Reviewed Feb. 28, 2020

      I highly recommend working with Policygenius for obtaining disability income insurance. The website has a ton of useful information, the application process is simple and efficient, the team is knowledgeable and communicative, and overall I had very positive experience. I was able to quickly receive quotes, make an informed decision (with input from their people), complete the application process, and successfully obtain my policy in a short time period. Very thankful for Policygenius and its wonderful team.

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      Verified purchase
      PriceStaff

      Reviewed Feb. 24, 2020

      Policygenius looks out for their customers ensuring they get the right policy and the right cost. They make the entire process seamless and are patient with your questions to ensure your policy is fit for you. I enjoyed working with them.

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      Verified purchase
      Staff

      Reviewed Jan. 10, 2020

      Police genius provides a very efficient and professional service. All the staff at Policy genius is very courteous, friendly, and nice and deals every client in a thoroughly professional manner. I’ll definitely recommend this company to friends and family. Thanks.

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      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Muhammad - thanks so much for the review. I'm so happy to know we provided a great customer experience to you. - Theresa S.

      Verified purchase
      Staff

      Reviewed Dec. 30, 2019

      I had no idea how much I was going to need this team to help me work through all the details. I am very grateful for how professional, detailed, and efficient they were in helping me. I would recommend this company for sure.

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Poppy, thanks for your kind words. So pleased to know we met your expectations and assisted you in the insurance buying process. - Theresa S.

      Verified purchase

      Reviewed Dec. 23, 2019

      My experience with Policy Genius was topnotch. As a busy physician I needed an organization that could shop different insurance companies, get me the best rate and do the legwork to make sure the policy was done. They delivered at every step of the way and clearly communicated any issues to me as they arose.

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Josh, thanks for the kinds review. Happy to know we secured the best rates and took the extra work off your plate! - Theresa S.

      Verified purchase
      Customer Service

      Reviewed Dec. 9, 2019

      I appreciated the great communication and updates provided by Policy Genius throughout the process of obtaining a disability insurance policy. The only complaint I have is the amount of time it took to get a health interview and then finally have my application approved, however that was likely the insurer's fault.

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Joseph, thanks for the review. Apologies about the length of time it took. We really appreciate you hanging in there while we ironed everything out! - Theresa S.

      Verified purchase
      CoveragePunctuality & SpeedStaff

      Reviewed Dec. 2, 2019

      Policy Genius helped me find disability insurance easily and quickly and helped me find the best policy out there. Great experience. I worked with Anthony and Jake and they helped a lot. I would not have found the policy that I chose without Anthony and Jake helping me out. I'm glad I found Policy genius because I did not know where to find good insurance.

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Ambrose, I'll be sure to get your feedback over to Anthony & Jake. Thanks so much for taking your time out to write a review and thanks for choosing Policygenius! - Theresa S.

      Verified purchase
      Staff

      Reviewed Nov. 19, 2019

      Worked with this affiliate to find a long term disability insurance plan. They were very communicative, answering my many questions and when I was unsatisfied with the first policy proposal they worked to find me one that did work for me. Great service.

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Hunter, glad to hear we were able to assist with you insurance needs! - Theresa S.

      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 1, 2019

      PolicyGenius has excellent customer service, very dependable, dedicated to the cause, extremely knowledgeable, and willing to go the extra mile to achieve the desired results of the client. I am beyond impressed with my experience and will be referring PolicyGenius to everyone! If you are looking for a trustworthy company to handle your insurance needs PolicyGenius is the one!

      Thanks for your vote!
      Policygenius Disability Insurance
      Response from Policygenius Disability Insurance

      Chris, so pleased to hear we exceeded your expectations. Thanks so much for the kind review. We really appreciate it! - Theresa S.

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      Policygenius Disability Insurance Company Information

      Company Name:
      Policygenius Disability Insurance
      Website:
      www.policygenius.com