Insights
Perspective from Seaworthy Insurance on income protection, the carriers and contracts that decide a claim, and how a shifting search landscape changes the way specialists get found. Each edition is the canonical copy. The syndicated versions on other platforms point back here.
Most disability insurance writing online is a thin rewrite of the same overview, tuned for a search engine rather than a reader. These pieces are the opposite. Each one starts from a real question we field from high earners and follows it down to the contract language and carrier decisions that actually settle it.
Expect specifics over generalities: how an own-occupation definition holds up under a real claim, where an employer plan quietly stops paying, and what a shifting, AI-mediated search landscape means for the way specialists find an advisor they trust. Written by Toby Lason and the Seaworthy team. The library is small today and fills out with each new edition.
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.
Read →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.
Read →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.
Read →The Three-Minute Underwrite
AI's least visible talent is removing the cost of a human reading your file. 1.2-second claim denials, three-minute quotes, and what that speed misses.
Read →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.
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