Assurity Disability Insurance Review 2023: Everything You Need to Know

Assurity Disability Insurance is a popular option that many people turn to when looking for disability coverage. In this article, we will review Assurity Disability Insurance and everything you need to know about this coverage in 2023.

Who is eligible for Assurity Disability Insurance?

To qualify for Assurity Disability Insurance, you need to be in the age bracket of 18 to 60 years and presently engaged in full-time employment. The policy is available to individuals in all occupations and industries, but the benefit amount may be limited for high-risk occupations such as pilots, law enforcement officers, and professional athletes.

What does Assurity Disability Insurance cover?

Assurity Disability Insurance provides coverage for disabilities that impede one’s ability to engage in their current profession. The coverage encompasses both physical and mental disabilities, as well as prolonged illnesses like cancer or heart disease.

What are the different types of Assurity Disability Insurance policies?

Assurity Disability Insurance offers both short-term and long-term disability insurance policies. Short-term policies typically provide benefits for up to 24 months, while long-term policies can provide benefits up to age 67. The policy also offers optional riders for additional coverage such as a cost-of-living adjustment and a future increase option.

How much does Assurity Disability Insurance cost?

The cost of Assurity Disability Insurance varies based on a number of factors including age, health, occupation, and benefit amount. The average cost of disability insurance is between 1% and 3% of your annual income. The policy also offers a variety of discounts for healthy lifestyle choices such as non-smoking and regular

exercise. It is recommended that you obtain a personalized quote from Assurity Life Insurance to determine the exact cost of your disability insurance policy.

How to apply for Assurity Disability Insurance?

You can apply for Assurity Disability Insurance by contacting an independent insurance agent or directly through the Assurity Life Insurance website. The application process typically involves answering a series of health and lifestyle questions and providing documentation of your income and employment.

How to file a claim with Assurity Disability Insurance?

To file a claim with Assurity Disability Insurance, you must first provide documentation of your disability and submit a claim form. Once your claim has been approved, you will begin receiving monthly benefits.

How long does it take to receive benefits from Assurity Disability Insurance?

The duration it takes to acquire benefits from Assurity Disability Insurance is contingent on multiple factors, such as the specific policy you have and the characteristics of your disability. Short-term policies typically provide benefits within a few weeks, while long-term policies may take several months to begin paying out benefits.

What are the customer reviews for Assurity Disability Insurance?

Assurity Disability Insurance has generally positive customer reviews online. Customers praise the company’s customer service and the ease of the claims process.

How does Assurity Disability Insurance compare to other disability insurance options?

Assurity Disability Insurance offers competitive rates and a variety of policy options. However, it is always recommended that you shop around and compare multiple disability insurance providers before making a decision.

Assurity Disability Insurance is a reliable option for those looking for disability coverage. The policy offers comprehensive coverage, a variety of policy options, and competitive rates. It is important to carefully review the policy terms and conditions and compare multiple providers before making a final decision.

Can I receive disability benefits while working part-time?

Yes, Assurity Disability Insurance offers a partial disability benefit for individuals who are able to work part-time but have a reduced income due to a disability.

Can I change my benefit amount after purchasing a policy?

Yes, you can change your benefit amount by adding a future increase option rider to your policy.

Does Assurity Disability Insurance cover mental health disabilities?

Yes, Assurity Disability Insurance covers mental health disabilities that prevent you from working in your current occupation.

Assurity Century Plus Individual Disability Income Insurance

Assurity Century Plus Individual Disability Income Insurance is a comprehensive disability insurance policy that provides coverage for individuals who become unable to work due to an injury or illness. The policy offers a range of features and benefits, including flexible coverage options, partial disability benefits, and a variety of riders.

Key Features of Assurity Century Plus Individual Disability Income Insurance

Coverage Options

Assurity Century Plus Individual Disability Income Insurance offers a range of coverage options to meet the needs of individual policyholders. Coverage options include Monthly benefit amount: Policyholders can choose a monthly benefit amount between $500 and $15,000.

Partial Disability Benefits

Assurity Century Plus Individual Disability Income Insurance offers partial disability benefits for individuals who are able to work part-time but have a reduced income due to a disability.

Riders

Assurity Century Plus Individual Disability Income Insurance offers a variety of riders that can be added to the policy for additional coverage. Some of the riders available include:
Future increase option rider: Allows policyholders to increase their coverage amount without the need for additional underwriting.
Non-cancelable and guaranteed renewable rider: Ensures that the policy cannot be canceled or the premium rates increased as long as the premiums are paid on time.
Residual disability benefit rider: Provides benefits for individuals who experience a reduction in income due to a disability.

Additional Benefits

Assurity Century Plus Individual Disability Income Insurance offers a range of additional benefits, including:
Rehabilitation benefit: Provides financial assistance for individuals who require rehabilitation services to return to work.
Survivor benefit: Provides a lump-sum benefit to the policyholder’s designated beneficiary if the policyholder passes away while receiving disability benefits.
Waiver of premium benefit: Waives the policyholder’s premium payments while they are receiving disability benefits.

Who is Assurity Century Plus Individual Disability Income Insurance for?

Assurity Century Plus Individual Disability Income Insurance is designed for individuals who rely on their income to support themselves and their families.

How much does Assurity Century Plus Individual Disability Income Insurance cost?

The cost of Assurity Century Plus Individual Disability Income Insurance varies depending on a number of factors, including the policyholder’s age, health, occupation, and the amount of coverage they require. It is recommended that you obtain a personalized quote from Assurity Life Insurance to determine the exact cost of your disability insurance policy.

How to apply for Assurity Century Plus Individual Disability Income Insurance?

You can apply for Assurity Century Plus Individual Disability Income Insurance by contacting an independent insurance agent or directly through the Assurity Life Insurance website. The application process typically involves answering a series of health and lifestyle questions and providing documentation of your income and employment.

How long does it take to get approved for Assurity Century Plus Individual Disability Income Insurance?

Assurity Century Plus Individual Disability Income Insurance offers comprehensive coverage and a range of features and benefits to meet the needs of individual policyholders.

A.M. Best

A.M. Best rates the financial strength and stability of insurance companies. Assurity Life Insurance Company has been rated “A-” (Excellent) by A.M. Best, which indicates a strong financial position.

The NAIC collects and maintains data on insurance companies and their financial performance. Assurity Life Insurance Company has consistently received high ratings from the NAIC, with a 0.06 complaint ratio in 2020, indicating a low number of complaints relative to its size.

Google Reviews

Assurity Life Insurance Company has a rating of 4.4 out of 5 stars on Google Reviews, based on 56 customer reviews. Customers appreciate the company’s straightforward policies and attentive customer service.

Important Disability Insurance Terms

Disability insurance can be complex and confusing, with many technical terms and jargon. Here are some important disability insurance terms to help you understand the coverage and benefits.

Benefit Period

The length of time that benefits are paid to the insured, after the elimination period has been satisfied.

Elimination Period

The waiting period that must be satisfied before benefits are paid. It is typically between 30 and 180 days.

Non-Cancellable

A policy provision that guarantees the policyholder the right to renew the policy and maintain the same premiums, as long as the premiums are paid on time.

Guaranteed Renewable

A policy provision that guarantees the policyholder the right to renew the policy, but the insurer can increase premiums for all policyholders in a specific class.

Exclusions

Conditions or circumstances that are not covered by the policy.

Riders

Additional provisions that can be added to the policy for an additional premium, such as cost of living adjustments or a return of premium rider.

Premium

The cost of the insurance policy, typically paid on a monthly or annual basis.

Waiting Period

The time period after the onset of a disability during which no benefits are payable.

Renewal Provision

A policy provision that outlines the conditions under which the policy can be renewed and the premiums adjusted.

Inflation Protection

Century Plus Disability Income Insurance

Century Plus Disability Income Insurance is a product offered by Assurity Life Insurance Company. It is designed to provide income replacement benefits in the event of a disability, helping policyholders maintain their standard of living and financial security.

Key Features of Century Plus Disability Income Insurance

Own Occupation Coverage

Century Plus Disability Income Insurance offers own occupation coverage, meaning that benefits are paid if you are unable to perform the duties of your own occupation.

Residual Disability Benefits

If you are partially disabled and your income is reduced, Century Plus Disability Income Insurance provides residual disability benefits to help supplement your income.

Flexible Benefit Periods and Elimination Periods

The policy offers a range of benefit and elimination periods to choose from, giving you flexibility in customizing your coverage to meet your needs.

Benefits of Century Plus Disability Income Insurance

Income Replacement

The primary benefit of Century Plus Disability Income Insurance is income replacement in the event of a disability.

Peace of Mind

Knowing that you have disability income insurance can provide peace of mind, knowing that you and your family are protected in the event of an unexpected disability.

Customizable Coverage

With flexible benefit and elimination periods, as well as a range of optional riders, Century Plus Disability Income Insurance can be customized to meet your unique needs.

Century Plus Disability Income Insurance offers valuable income replacement benefits and flexible coverage options, helping policyholders maintain their financial security in the event of a disability. With customizable benefit and elimination periods, own occupation coverage, and residual disability benefits, Century Plus Disability Income Insurance can be tailored to meet your unique needs.

Application Process for Assurity Disability Insurance Coverage

Assurity Life Insurance Company offers disability income insurance coverage to help protect policyholders in the event of a disability. Here is an overview of the application process for Assurity disability insurance coverage.

Step 1: Research and Compare Disability Insurance Options

Before applying for disability insurance coverage with Assurity, it’s important to research and compare your options. Consider factors such as coverage options, benefit amounts, premiums, and underwriting requirements to determine which policy is right for you.

Step 2: Get a Quote

Assurity offers an online quote tool that can provide an estimated premium based on your age, gender, occupation, and desired coverage.

Step 4: Underwriting and Medical Exam

Assurity will evaluate your application and medical history to determine your insurability and premium rate. This may include a medical exam and additional documentation such as medical records or income verification.

Step 5: Receive a Decision

Once Assurity has evaluated your application and medical history, they will make a decision regarding your insurability and premium rate.

Step 6: Accept Coverage and Pay Premiums

If you are approved for disability insurance coverage with Assurity, you will need to accept the offer and pay the premiums to activate the policy. Premiums are typically based on factors such as age, gender, occupation, benefit amount, and elimination period.

Applying for disability insurance coverage with Assurity involves research, completing an application, underwriting and medical evaluation, accepting the offer of coverage, and paying premiums.

Who Are Assurity Disability Insurance Plans Best For?

Assurity disability insurance plans are designed to provide income protection in the event of a disability. Here are some of the individuals who may benefit from this type of coverage:

Initial Claim Processing

When you file a disability claim with Assurity, the company will typically review your claim within 10 business days. This initial review will determine if your claim is complete and if any additional information is needed.

Disability Evaluation

After your initial claim is reviewed, Assurity will begin the disability evaluation process. This typically involves a review of your medical records and may also involve an independent medical examination. The length of this process can vary depending on the complexity of your case and the availability of medical records.

Benefit Payments

Once your disability claim has been approved, benefit payments will typically begin within 10 business days.

What Determines Eligibility for an Assurity Disability Insurance Plan?

If you’re considering a disability insurance plan with Assurity, you may be wondering what determines eligibility for coverage. Here are some factors that may impact your eligibility:

Age

Your age may also impact your eligibility for disability insurance coverage. While Assurity offers disability insurance plans to individuals of all ages, premiums may be higher for older individuals or those with pre-existing medical conditions.

Other Factors

There may be other factors that impact your eligibility for disability insurance coverage with Assurity, such as your smoking status or participation in certain high-risk hobbies or activities.

Conclusion

Overall, eligibility for an Assurity disability insurance plan is determined by a range of factors, including occupation, health status, income, age, and other factors.

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