Policygenius Disability Insurance

Policygenius Disability Insurance

 4.8/5 (52 ratings)
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  • 1 stars

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.

Overall Satisfaction Rating

  • 5 stars
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Pros

  • Clear explanations
  • Evaluates 17 providers
  • Simple quote tool

Cons

  • May require medical exams

Bottom Line

Policygenius Disability Insurance simplifies the shopping process with clear instructions and an easy-to-use tool. Agents help clarify what the tool does not. Though Policygenius doesn’t require medical exams, the insurer may.

Top Policygenius Disability Insurance Reviews

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Rated with 5 stars
Verified

Policygenius has excellent customer service, is very dependable, dedicated to the cause, extremely knowledgeable, and willing to go the extra mile to achieve the desired results o...

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Rated with 5 stars
Verified

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 ...

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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.

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.

Policygenius Disability Insurance Reviews

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How do I know I can trust these reviews about Policygenius Disability Insurance?
How do I know I can trust these reviews about Policygenius Disability Insurance?
  • 4,134,689 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer
Original review: 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.

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Rated with 5 stars
Verified Reviewer
Original review: 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.

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    Rated with 5 stars
    Verified Reviewer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: 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.

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    Policygenius Disability Insurance Company Information

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