Best Company for Short/Long-Term Disability Insurance

Shawn Plummer

CEO, The Annuity Expert

Best Company For Disability Insurance

For both short-term and long-term disability insurance, Assurity is highly recommended due to its comprehensive offerings and flexibility. Here’s why Assurity stands out as the best choice:

1. Combined STD and LTD Policies

  • Convenience: Ability to buy both short-term (STD) and long-term disability (LTD) insurance from the same company.
  • Cohesiveness: Keeping both policies with Assurity ensures consistency in coverage and ease of management.

2. A Wide Range of Occupational Classes Covered

  • Inclusivity: Assurity caters to a broad spectrum of professions, making their disability insurance accessible to various occupational classes.
  • Tailored Coverage: Policies are designed to meet the unique needs of different professions.

3. Affordability

  • Cost-Effective: Assurity’s disability insurance policies are competitively priced, making them an affordable option for many individuals.
  • Value for Money: Offers a good balance of comprehensive coverage and affordability.

4. Range of Elimination Periods

  • Flexibility: Assurity provides a variety of choices for the elimination period (the waiting period before benefits begin).
  • Customization: Policyholders can choose an elimination period that best suits their financial situation and coverage needs.

5. Variety of Riders

  • Customizable Options: Assurity offers a wide selection of riders that can be added to enhance the disability insurance policy.
  • Personalization: Riders allow for customization of the policy to fit specific needs and concerns, such as cost of living adjustments, return of premium, and additional benefits for severe disabilities.


Assurity is a top recommendation for purchasing short-term and long-term disability insurance due to its combined policy options, coverage for a wide range of occupations, affordability, flexible elimination periods, and the availability of numerous riders for policy customization. This combination of features makes Assurity a comprehensive and adaptable choice for disability insurance.

Contact us today for more information about Assurity’s disability insurance options and how they can be tailored to your needs.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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