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Breeze Disability Insurance Review


ConsumersAdvocate.org Rating: 4.9 / 5 (Excellent)
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Founded in 2019, Breeze is an insurance marketplace that connects consumers with multiple, highly-rated underwriting partners to help them find individual long-term disability insurance coverage. The company allows customers to compare multiple policy offers and pricing and find a customized policy that meets their coverage and financial needs. Breeze is headquartered in Omaha, Nebraska.
 
VISIT SITE
Call: (866) 764-0481

How is Breeze rated?

Breakdown

5.0/5
Policies & Coverage
5.0/5
Flexibility
5.0/5
Financial Strength
5.0/5
Reputation & Customer Experience

Overall Rating: 4.9 / 5 (Excellent)

Breeze is not an insurance company, but rather a marketplace that streamlines the disability insurance shopping and application process. The company partners with several well-known and highly rated disability insurance providers. Each of these providers offer different coverage and cost options. Breeze allows you to compare disability insurance policies and prices to find your best deal.

Breeze's partner insurers offer comprehensive and flexible disability insurance policies. Policy terms and age limitations vary insurer. You may also have the opportunity o select your waiting period, coverage amounts, and policy riders to help create an affordable plan that meets your needs.

Breeze Policies & Coverage

Policies & Coverage - 5 / 5

Because Breeze is a marketplace and not a direct insurer, we can't boil its policies and coverage down to a quick description. The benefit the company offers is a wide range of disability insurance options that allow policyholders to customize their plans to suit their coverage needs and budget.
Policy Types
Long-Term
Individual
Policy Features
Partial Disability
Workplace Modification Benefit
Non-Cancelable
Home Modification Benefit
Rehabilitation Benefit
Survivor Benefit
Presumptive Total Disability
Guaranteed Renewable
Level Premiums
Waiver of Premium
Total Disability Income Benefit
Proportionate Disability Benefit
Terminal Illness Benefits
Elimination Period
Varies by insurer
STD Maximum Monthly Benefit
Varies by insurer
LTD Maximum Monthly Benefit
Varies by insurer
Short-Term Benefit Period
Varies by insurer
Long-Term Benefit Period
Varies by insurer
Online Quote
Pre-Existing Conditions Exclusion
Exclusions & Limitations
Breeze works with multiple insurance companies, each of which has its own exclusions and limitations. Before signing up for disability insurance, its important to read the policy's specific exclusions and limitations. That's an important factor in determining if a policy is a good value. Doing so will also prevent disappointment and financial exposure should you ever have to file a claim.
Link to Source
www.meetbreeze.com

Breeze Flexibility

Flexibility - 5 / 5

Breeze's partner insurance companies offer a full range of policy riders so you can build a custom policy that matches your needs.

Available Policy Riders

Future Increase
Cost of Living Adjustment
Waiver of Premium
Residual Benefits
Own Occupation
Automatic Benefit Increase
Guaranteed Insurability
Return of Premium
Critical Illness
Hospital Confinement Indemnity
Supplemental Disability Income
Retroactive Injury
Accidental Medical Expense
Catastrophic Disability

Other Riders

There's a non-cancellable rider which makes your policy and any riders non-cancellable by the insurance company. It cannot raise your premiums or cancel your policy prior to its termination date.

Breeze Financial Strength

Financial Strength - 5 / 5

Breeze offers policies through multiple insurers. Each will have its own ratings through such organizations as Fitch, AM Best, Moody's, and Standard and Poor's. We advise anyone shopping for disability insurance to check ratings on any insurance company you're considering before purchasing a policy.
Company Type
Subsidiary/ Partner
Underwriter
Breeze connects you with multiple insurance providers/underwriters.
Year Founded
2019
Total Premiums 2017
$0.00

Breeze Reputation & Customer Experience

Reputation & Customer Experience - 5 / 5

Because Breeze is an insurtech start-up. The company is not rated by the BBB. It receives an impressive 4.7 stars on Trustpilot, though. Bear in mind that the insurance companies Breeze works with include some of the top names in the insurance industry. For example, one of Breeze's insurance company partners is Assurity Life Insurance. Assurity boasts strong customer satisfaction ratings, including an A+ from the Better Business Bureau. We recommend that you search for customer reviews on any insurance company that Breeze recommends through its platform.
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2017
0

Company Profile

Full Name
Breeze Disability Insurance
Company Website
https://www.meetbreeze.com/
Headquarters
808 Conagra Dr Ste 401, Omaha, NE, 68102

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Customer Comments & Reviews

Loading Reviews ...
dl0022
9/15/2021
Don't waste your time - information gathering and then at the end..... Sorry we can't Insure you. Wasted 30 minutes gathering all information and completing the process

G
George Z
7/2/2021
Unfortunately, I recently had a bad experience. I came to Breeze with high hopes for a win-win scenario regarding insurance. I experienced an online *instant denial* after inputting a significant amount of personal health and financial information. I'm older, and I simply wanted a small disability policy in case of an unforeseen disaster. Their online questions generally do not allow for elaboration. Their luring online claim of not requiring a medical exam is untrue in various instances. In my view, this company suffers from lack of transparency. Be forewarned, especially if you're concerned about giving them personal information, only to be rejected without any apparent recourse.

zwink74
6/15/2021
So far a horrible experience trying to use this company. Nice just received a letter saying I have to re-sign tomorrow to get the rate that they should have provided. The letter is dated June 9. Postage June 11. Due June 12th. No one answers the phone. The sign up process was a nightmare! Good luck actually talking to a person! I cancelled my Credit card and filed a fraud charge against them.

Jean Y
10/21/2020
Can we have a company that has representatives that we can get on the phone and that have at least a passable phone connection? This company debited my account for a premium payment before I even completed the application process - no signature on the application. To top it off, I've not been able to get in touch with them about basic questions about their policies - which they do not list on their site - and spent about 45 minutes today going around in circles with Assurity, their parent company, who seemed to have little knowledge of Breeze - like they'd barely heard of them. I wonder what happens when they are called about insurance claims from their customers?

Top Rated
Our Partner
  • Quotes from the top disability carriers to ensure you find the best rates
  • Helps thousands of consumers apply for disability insurance each year
  • Rated Excellent on TrustPilot
  • Benefit terms range from 3 months to age 67
  • Choose your waiting period
  • Multiple riders add flexibility to your policy
(866) 764-0481
VISIT SITE

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