• Home
  • /
  • Blog
  • /
  • Is Policygenius Disability Insurance Worth It?

Is Policygenius Disability Insurance Worth It?

Policygenius provides free online tools that compare quotes from some of the nation’s most reputable insurance companies on one website. Their services are quick and easy to use and facilitate the search for home, auto, disability, renters and other types of insurance.

Policygenius logo

Our Partner

Disability Insurance

AT A GLANCE

  • Best price guarantee
  • Instant quotes from multiple providers
  • Free eligibility calculator
  • Excellent customer reviews
Overall Rating
4.5/5


Best disability insurance comparison site

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Read our Advertising Disclosure.

Pros & Cons

Before we dig deeper into Policygenius, let’s take a quick look at some of the advantages and drawbacks.

Pros

  • Simplifies the search for insurance on the online marketplace for free.
  • Knowledgeable agents available by chat, phone or email for clarifications.
  • Partners with companies that have excellent reputations for customer service.
  • The Better Business Bureau gives it a B+ score.

Cons

  • No mobile app available.
  • No in-person customer service.

Do you feel drained from making crucial life decisions as you read through sites with insurance jargon that you can barely understand? Are you tired of dealing with the frustrating and time-consuming process of searching for new coverage that suits your lifestyle?

Well, I share those sentiments with you, and I’m here to tell you that Policygenius can help.

People all over the world have recently spent more than a year being cautious not to catch or spread the deadly coronavirus. Companies that offer disability coverage are assisting insured U.S. citizens who are disabled by the virus and can’t work but still have bills to pay.

You will not get disability insurance by staying home, and you can’t control accidents or illnesses. Covid-19 is persisting, and new variants are developing that pose a threat to all of us.

Now is one of the best times in recent history for everybody to consider getting disability insurance.  Save time and money by using Policygenius to find the lowest disability insurance quotes available.

By conveniently comparing quotes from top insurance companies on one site, you won’t lose track of information displayed on multiple tabs and windows from your web browser. 

Policygenius icon

Quick Summary

Service: Disability Insurance quotes

Fees: Free to use

Promotion: No current promotions

About Policygenius

Policygenius is an independent insurance broker that compares coverage prices from different insurers that they are partnered with. They intend to simplify your search for insurance while providing expert advice and quotes without bias or favoritism toward any of those companies.

Key Features

Policygenius is a tool that can help you find the right disability insurance for you. By providing basic information about your age, health, career and coverage needs, Policygenius can get you quotes from different insurers in less than five minutes. 

Most illnesses and accidents are covered by disability insurance, including complications from childbirth, depression and cancer. It also covers everything from total to partial disability, even when the insurance company does not expect you to fully recover.

If you become disabled and unable to work, disability insurance will replace your income. It can help you pay bills and preserve your standard of living by paying you benefits each month until you recuperate or your coverage runs out.

Think of disability insurance as insurance for your paycheck. You can receive up to 60% of your pre-tax income, or an amount close to your take-home pay, and buy more coverage as needed.

If you love the life you live, disability insurance can help you preserve it. 

How Much Does Policygenius Disability Insurance Cost?

You can use Policygenius’ free services to find the best coverage options, but disability insurance usually costs between $30 and $700 per month. Young people who live healthy lifestyles tend to get lower rates while older folks with dangerous jobs have higher premiums.

Women, smokers and people with riskier jobs also pay more for disability insurance. Those who live in states with higher disabled populations can also expect to pay more for their coverage.

Monthly premiums can be significantly lowered by choosing long waiting periods, low monthly benefits, short benefit periods and adding fewer riders. Middle-ground benefits are suggested for most people as they provide considerate coverage for a reasonable price.

Who is Policygenius Disability Insurance Best For? 

Policygenius would be a great choice for anybody who wants to see a wide selection of top insurance policies and their lowest prices in less than five minutes.

Disability insurance can provide peace of mind by securing your paychecks even when you are unable to work. 

Is Policygenius Disability Insurance Worth It? 

A report that was published in September suggests that the number of disabled individuals enrolled in Medicaid will rise in upcoming years, possibly reaching 11.7 million by 2027.

Our chances of becoming disabled are increasing and buying disability insurance is worthwhile.  Policygenius can offer you a variety of disability insurance quotes from 17 reputable providers in a timely manner.

No need to worry about deciphering confusing insurance idioms because customer service representatives are available for help during regular office hours.

The BBB is currently giving Policygenius a B+ rating and reports that seven complaints were closed in the last three years. Trustpilot describes Policygenius as an “excellent” agency that asks customers for positive and negative reviews. 

Policygenius Disability Insurance FAQ’s

Have a few more questions after reading our Policygenius Disability Insurance review? Here are some commonly asked questions.

What kind of company is Policygenius?

Policygenius is an online insurance marketplace that sells policies from multiple insurers.

The company does not provide disability insurance directly, but offers free tools that help customers find the right coverage for their needs. Their mission is to facilitate the whole process of finding affordable insurance quotes while providing advice to guide your decision.

Jennifer Fitzgerald and Francois de Lame founded Policygenius in 2014 and they currently have headquarters in New York City and Durham, North Carolina. Their services have expanded to offer home, auto, disability, renters and other types of insurance.

How does Policygenius get paid?

By being an independent insurance broker, Policygenius makes money from commissions paid by insurance companies for each sale. You would not be paying extra for coverage by using Policygenius because commissions are already included in the cost of insurance policies.

Does Policygenius sell your information?

With Policygenius, you won’t have to worry about your personal information falling into the wrong hands on the dark web. The company takes the customer’s privacy and security seriously and will not sell or share your information to third parties.

What does Policygenius disability insurance cover?

Policygenius does not provide disability insurance coverage, but helps customers with online tools that show quotes from different insurers in one place. Customers will only see quotes from the top insurance companies that Policygenius is partnered with. 

Disability insurance covers most illnesses and accidents and can help you receive checks if you are partially or completely disabled.

Policygenius Disability

You can get disability insurance by shopping around with an independent broker like Policygenius. Policygenius agents will work with you for free to find the right policy for you.

Policygenius icon
  • Editor Rating
  • Rated 4.5 stars
  • 80%

  • Policygenius Disability
  • Reviewed by:
  • Published on:
  • Last modified: December 3, 2021


You may also like

loanDepot Review

loanDepot Review