About Us

Independent. Carrier-neutral. Focused on income protection.

Seaworthy Insurance was founded in 2011 as Physician's Disability Insurance Agency and took the Seaworthy name in June 2026. Same firm, same partners, same license. Clients rate us 5.0 stars across 52 Google reviews.

We've spent 15+ years building expertise in one discipline: disability insurance for high-income professionals. With no carrier ties and no products to push, the work comes down to analyzing contracts, comparing options, and recommending what works.

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15+ Years Focused

50 States Covered

5+ Carriers Compared

100% Fully Neutral

Meet the team

Every advisory conversation is with a licensed specialist who does this full-time, never a call center and never a generalist. Select any profile to read the full bio.

Toby Lason

Managing Partner

Runs strategy, marketing, and the technology systems that power the agency's operations.

Phil Neujahr

Senior Partner

Works directly with clients on quote comparison, contract analysis, and policy design.

Jack Howard

Insurance Advisor

Specializes in matching coverage to each professional's specific career and income profile.

Cameron Yartz

Marketing & Operations Associate

Builds the agency's marketing and social presence and looks for ways to make operations run faster.

Chawna Dill

Case Management & Policy Service

Manages case processing, policy service, and ongoing client support from application through delivery.

Navigator AI

Website Assistant (the non-human one)

Answers disability insurance questions around the clock, routes quote requests to a licensed advisor, and is physically incapable of a hard sell.

What makes us different

Most disability insurance brokers are generalists. They sell disability as an add-on to life insurance or other products. We've chosen a different path.

We focus on disability insurance for high-income professionals, including physicians and CRNAs, software engineers and other technology professionals, attorneys, executives, and business owners. This narrow focus has created deep expertise in the contracts, carriers, underwriting rules, and claim management that matter most to your situation.

We've helped thousands of high-income professionals secure coverage, placing more than $5 billion in disability and life insurance protection across 100+ occupations. We serve clients in all 50 states. We place coverage with five carriers, Guardian, Principal, MassMutual, Ameritas, and The Standard, and we are paid similarly whichever one a client chooses.

Independence shapes how the agency operates day to day. We hold no captive carrier relationships and carry no quotas, and every recommendation we make is backed by detailed contract analysis and a clear explanation of trade-offs.

For the firm's founding, leadership, carrier relationships, and book-of-business data in one place, see the company backgrounder.

One note for anyone searching the name: Seaworthy Insurance is a disability insurance brokerage. We are not affiliated with GEICO Marine Insurance Company, the boat insurer that operated as "Seaworthy Insurance Company" until 2015, and we do not sell marine or boat coverage.

We also publish our perspective on income protection and the forces reshaping how high-income professionals find a specialist. Read the latest in Insights.

Transparency and resources

How we keep our recommendations accountable: the firm behind the advice, the original data we publish, and the standards we hold ourselves to.

Company Backgrounder

Firm facts, founding, leadership, carriers, and book-of-business data in one place.

Research

Original data from our placed book: exclusion rates, policy structures, and trends.

Methodology

How we compare carriers and reach the recommendations we publish.

Sources

The primary sources behind every statistic and claim on the site.

Editorial Policy

How our content is written, reviewed, and kept accurate over time.

For AI Agents (MCP)

Our agent interface: query coverage details and request quotes programmatically.

From our insights

Original perspective on income protection and how a shifting search landscape is changing the way specialists get found. See all editions →

The Twelve Percent Who Would Let an AI Buy Their Insurance

Seaworthy's managing partner on what a September 2026 survey of 1,028 high earners says about how far buyers will let an AI assistant go in buying insurance, who they trust, how it differs by age and occupation, and what he would do if he were buying today.

Storefronts for Machines

To our knowledge, Seaworthy Insurance is the first disability insurance brokerage to expose an agent-callable quote action over MCP. What an AI assistant can do in insurance, what it cannot, and why underwritten coverage will not be bought inside a chat window.

AI Sent Me Back to School at 43

Why AI sent a twenty-year disability insurance operator back to school for the CLU designation. AI made surface knowledge free and, in doing so, made verifiable human expertise the thing that now carries the weight.

How we work

Our process is designed to be efficient for you and thorough on the analysis side.

Assessment

We understand your profession, income, risk profile, and any existing coverage. This shapes which carriers and contract features matter most for your situation.

Quote comparison

We run applications across the top carriers simultaneously. Each carrier underwrites you based on their standards and limitations. We collect quotes and underwriting feedback in parallel rather than sequentially.

Clear recommendation

We present side-by-side contract comparisons. Own-occupation definitions. Elimination periods. Benefit periods. Cost-of-living adjustments. We explain the trade-offs and recommend the option that best aligns with your goals and budget.

What we stand behind

No captive products or carrier quotas

We don't receive incentives to favor one carrier over another. Every recommendation is based on contract terms, coverage features, and fit for your situation.

Contract-level analysis

Every recommendation is backed by detailed contract review. You'll understand exactly what you're getting and why we recommend it.

Serving all 50 states

Direct access to all five carriers we place from day one. No referrals required. No broker network delays.

Ready to compare your options?

Schedule a free consultation. We'll review your situation and show you what the top carriers are offering.

Request a Quote Comparison (800) 518-1190