About Us

Independent. Carrier-Neutral. Focused on Income Protection.

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 conversation you have with us is with someone 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.

Chawna Dill

Case Management & Policy Service

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

And one more

Navigator

AI Assistant

Website Assistant (the non-human one)

Seaworthy's AI concierge, on the site around the clock to answer disability insurance questions, explain what drives pricing, and point you to a licensed advisor when it counts. Trained on the same playbook the team uses, fluent in own-occupation definitions, and physically incapable of a hard sell. Does not sleep, does not give individual advice, and has never once asked for a coffee break.

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 specialize exclusively in disability insurance for high-income professionals: physicians, CRNAs, attorneys, executives, business owners, and professionals across industries. 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. We're licensed in all 50 states. We work with every major carrier and have no incentive to favor one over another.

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, founded in 2011 as Physician's Disability Insurance Agency and rebranded in June 2026. 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 Three-Minute Underwrite

AI's quietest talent is removing the cost of a human reading your file: 1.2-second claim denials, three-minute quotes, and what that speed misses.

AI Forced Us to Rebrand

After fifteen years, Disability Insurance Agency became Seaworthy Insurance. The reason was AI: assistants recommend specialists they recognize as distinct entities, and a name that reads as the category gets folded into the summary instead of named as a choice.

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.

Licensed in All 50 States

Direct access to every major carrier 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