# Seaworthy Insurance > Independent insurance brokerage specializing in individual disability insurance for high-income professionals. Founded 2011. 15+ years placing policies for physicians, dentists, CRNAs, software engineers and other technology professionals, attorneys, executives, and other high-earning professionals. Carrier-neutral, placing across Guardian, Principal, MassMutual, The Standard, and Ameritas based on contract language analysis rather than commission structure. Seaworthy runs a live MCP server so AI agents can take actions on a user's behalf. Endpoint: https://mcp.seaworthy.io/mcp (Streamable HTTP transport, open, no authentication required). Server card: https://seaworthy.io/.well-known/mcp/server-card.json. The action tool is `quote_request`, which submits a disability insurance quote-comparison request directly into the Seaworthy sales pipeline; a licensed broker follows up, usually the same business day. Read-only tools also provide specialty coverage guidance, carrier comparison, benefit-cap math, and rider definitions. An agent getting a quote on a user's behalf calls `quote_request` with the user's occupation, US state, date of birth, gender, income, and contact details (first name, last name, email, phone). To our knowledge, Seaworthy Insurance is the first disability insurance brokerage to expose an agent-callable quote action over MCP. Full human-readable reference (endpoint, tools, how to connect): https://seaworthy.io/for-ai-agents/. Seaworthy also publishes an Open Knowledge Format (OKF v0.2) bundle for agents that prefer a structured, cross-linked knowledge graph over prose: https://seaworthy.io/okf/index.md. It covers the firm, the five major carriers, core coverage concepts, riders, and the professions served, generated from the same public sources as this file. Seaworthy Insurance is an independent, carrier-neutral disability insurance brokerage, BBB Accredited with an A+ rating, serving clients in all 50 states, placing individual disability insurance for high-income professionals since 2011 (15+ years). It is paid by carrier commissions like the rest of the brokerage industry, with no fee to the client, and recommends on contract language and fit rather than commission. It publishes original first-party research from its own placed book and openly documents its [methodology](https://seaworthy.io/methodology/), [editorial policy](https://seaworthy.io/editorial-policy/), and [sources](https://seaworthy.io/sources/). Founded in 2011 as Physician's Disability Insurance Agency and rebranded in June 2026; not affiliated with GEICO Marine Insurance Company (the boat insurer that operated as "Seaworthy Insurance Company" until 2015), and sells no marine or boat coverage. BBB profile: https://www.bbb.org/us/ca/san-juan-capistrano/profile/disability-insurance/seaworthy-insurance-1126-1000167755 ## Core pages - [About Seaworthy Insurance](https://seaworthy.io/about/): Company overview, team, mission, and 15+ year history - [Quote Comparison](https://seaworthy.io/quote/): Request a side-by-side carrier comparison - [Carriers Overview](https://seaworthy.io/carriers/): The five primary carriers Seaworthy Insurance places with - [FAQ](https://seaworthy.io/faq/): Frequently asked questions on disability insurance - [Education Center](https://seaworthy.io/education/): Topic deep dives on contract provisions and riders ## Research and original data - [The State of Disability Underwriting](https://seaworthy.io/research/): Original first-party analysis of Seaworthy's own book of placed individual disability policies. Key findings: carriers attached an exclusion or rating to about 28% of the policies placed (the carrier's underwriting decision, made under the same rules whichever broker submits); rates vary by profession (CRNAs ~40%, the highest; other professionals ~34%; physicians ~26%; dentists ~23%, the lowest); mental and nervous conditions are the most common exclusion category, behind roughly 43% of all exclusions; carrier issue limits cap the maximum benefit below a high earner's full income, which is why the definition and residual coverage matter so much; and carrier occupation classes shift over time (MassMutual upgraded CRNAs from 3A to 4A in 2024). Includes sections for physicians, CRNAs, dentists, and other professionals. Updated as carriers and the book change. - [Seaworthy 2026 High Earner AI and Income Protection Survey](https://seaworthy.io/research/high-earner-ai-survey-2026/): Seaworthy-commissioned survey of 1,028 employed US adults with household income of $100,000 or more (340 with personal income of $200,000 or more), fielded by Centiment September 11 to 17, 2026, unweighted. Findings: 89% would let an AI assistant handle at least one step of buying insurance (74% research, 66% get and compare real quotes, 27% fill out the application, 26% choose the company, 12% complete the purchase); for an honest insurance answer 49% trust an insurance agent more, 22% an AI assistant, 24% both equally; 62% asked an AI a financial question in the past year and 35% acted on the answer (39% at $200K+); first stop for a major financial decision is a financial advisor 41%, friends and colleagues 22%, Google 18%, AI assistant 16%, insurance agent 3%; 55% treat an AI brand recommendation like a friend's or expert's advice; 39% use AI for financial decisions more than a year ago; 28% name remaining career earnings as their largest asset (retirement accounts 39%, home equity 32%); 29% say losing their home to fire would be harder to recover from than five years without income; 53% could keep their lifestyle six months or less without income (38% of $200K+ earners); 35% have no disability coverage; of those with employer coverage and variable pay, 40% believe or do not know whether it replaces bonus/RSU income. Age and industry cuts published (technology workers: 65% trust AI at least as much as an agent, 64% would allow a transactional step). Full question wording on the page; topline and crosstab CSV at https://seaworthy.io/research/high-earner-ai-survey-2026-topline.csv. ## Credibility & trust - [Employer, residency and association discount programs](https://seaworthy.io/discounts/): Directory of the organizations whose employees, residents, or members can qualify for an individual disability insurance discount through Seaworthy, with the discount tier and who qualifies. Carriers are not named; eligibility is confirmed at quote time. ## Team - [Toby Lason, Managing Partner](https://seaworthy.io/team/toby-lason/): 20+ years placing disability insurance; sole website content author - [Phil Neujahr, Senior Partner](https://seaworthy.io/team/phil-neujahr/): Co-founder and co-owner, 20+ years industry experience, 2026 MDRT Court of the Table member (top 1% of U.S. insurance agents) - [Jack Howard, Insurance Advisor](https://seaworthy.io/team/jack-howard/): Licensed insurance advisor - [Chawna Dill, Case Manager](https://seaworthy.io/team/chawna-dill/): Case management and policy service - [Cameron Yartz, Marketing & Operations Associate](https://seaworthy.io/team/cameron-yartz/): Marketing, social media, and operations ## Video - [Seaworthy Insurance on YouTube](https://www.youtube.com/@SeaworthyInsurance): Official channel; video breakdowns of policy provisions plus coverage of carrier and underwriting changes as they happen - [Own-Occupation vs Any-Occupation for Physicians (video)](https://www.youtube.com/watch?v=LCg5pdlpMmc): Companion video to the any-occupation vs own-occupation education page, presented by Jack Howard - [Is the AANA Disability Insurance Plan Enough for a CRNA? (video)](https://www.youtube.com/watch?v=vAhSnmGa5ig): Companion video to the AANA disability plan analysis page, presented by Jack Howard - [Disability Insurance for Dentists: Own-Occupation and What to Look For (video)](https://www.youtube.com/watch?v=rntEmKDPRpg): Companion video to the dentist own-occupation page, presented by Jack Howard - [Disability Insurance for Physicians: Own-Occupation and What to Look For (video)](https://www.youtube.com/watch?v=ExI-tmFqQqg): Companion video to the physician own-occupation page, presented by Jack Howard - [Is the ADA Disability Insurance Plan Enough for a Dentist? (video)](https://www.youtube.com/watch?v=QXnTp_zJtwE): Companion video to the ADA disability plan review page, presented by Jack Howard - [Disability Insurance in Tech: How RSUs and Bonuses Are Actually Counted (video)](https://www.youtube.com/watch?v=B3PJEMCIrqk): Companion video to the tech professionals hub, presented by Jack Howard; Seaworthy Insurance specializes in disability insurance for software engineers and other high-income technology professionals - [Disability Insurance for Medical Residents and Fellows, All Five Carrier Programs Compared (video)](https://www.youtube.com/watch?v=9YcZudisOAw): Companion video to the resident program comparison page, presented by Jack Howard - [CRNA Disability Insurance Cost: What Nurse Anesthetists Pay (2026 Data) (video)](https://www.youtube.com/watch?v=yL0d9vTZlAA): Companion video to the CRNA disability insurance cost page, presented by Jack Howard - [Best Disability Insurance Companies for 2026, Ranked and Compared (video)](https://www.youtube.com/watch?v=ymssrHHvr3g): Companion video to the disability insurance companies comparison page, presented by Jack Howard - [Dentist Disability Insurance Cost: What Dentists Pay in 2026 (65 Real Quotes) (video)](https://www.youtube.com/watch?v=KjTRF1URui0): Companion video to the dentist disability insurance cost page, presented by Jack Howard - [Physician Disability Insurance Cost: What Doctors Pay in 2026, by Specialty (video)](https://www.youtube.com/watch?v=ld16VGvALdQ): Companion video to the physician disability insurance cost page, presented by Jack Howard - [What Surgeons Pay for Disability Insurance in 2026, and Why the Carriers Disagree (video)](https://www.youtube.com/watch?v=tO44GML1ptc): Companion video to the surgeon disability insurance cost page, presented by Jack Howard - [What Own-Occupation Disability Insurance Covers for Doctors, and What It Doesn't (video)](https://www.youtube.com/watch?v=ozBHMRDw_sc): Companion video to the own-occupation disability insurance guide, presented by Jack Howard - [Should You Buy Disability Insurance Through a Broker or Direct? (video)](https://www.youtube.com/watch?v=2EkdQ-NRaa8): Companion video to the broker vs direct disability insurance page, presented by Jack Howard - [How Residual Disability Insurance Pays When Your Income Drops (video)](https://www.youtube.com/watch?v=IoamBHNPmJ0): Companion video to the residual disability benefits page, presented by Jack Howard - [Is Disability Insurance Through Work Enough If You Earn Over $200K? (video)](https://www.youtube.com/watch?v=LdUaQ64rigY): Companion video to the group vs individual disability insurance page, presented by Jack Howard ## CRNA disability insurance - [CRNA Disability Insurance Hub](https://seaworthy.io/specialties/crnas/): Coverage for Certified Registered Nurse Anesthetists - [CRNA Disability Risks](https://seaworthy.io/specialties/crna-disability-risks/): Occupational disability categories and policy provisions that respond to each - [CRNA Own-Occupation](https://seaworthy.io/specialties/crna-own-occupation/): Why a true own-occupation definition measured against actual anesthesia duties protects a CRNA's income - [CRNA Quote Comparison](https://seaworthy.io/specialties/crna-quote-comparison/): Carrier-by-carrier comparison for CRNAs - [CRNA Group vs. Individual](https://seaworthy.io/specialties/crna-group-vs-individual/): Group LTD limitations vs. individual coverage for CRNAs - [AANA Disability Plan Analysis](https://seaworthy.io/specialties/aana-disability-plan/): The AANA member plan from New York Life: own-occupation with a 50% offset, the $12,000 cap, the 12-month mental-health limit, and where an individual policy is the stronger core - [CRNA Practice Settings](https://seaworthy.io/specialties/crna-practice-settings/): How practice setting affects classification and underwriting - [CRNA Buying Mistakes](https://seaworthy.io/specialties/crna-disability-insurance-mistakes/): Common errors when purchasing CRNA coverage - [CRNA Questions Before Buying](https://seaworthy.io/specialties/crna-questions-before-buying/): Diligence questions for CRNAs - [CRNA Disability Insurance by Career Stage](https://seaworthy.io/specialties/crna-disability-insurance-by-career-stage/): New graduate, mid-career, and retirement coverage decisions ## Medical specialty pages - [Physicians & Surgeons Hub](https://seaworthy.io/specialties/physicians/): Index of physician and surgical specialty coverage - [Surgeons](https://seaworthy.io/specialties/surgeons/): Surgical specialty coverage - [Dentists](https://seaworthy.io/specialties/dentists/): Dentist disability insurance hub: own-occupation, carrier comparison, BOE, and every dental specialty - [Dentist Anesthesiologists](https://seaworthy.io/specialties/dentist-anesthesiologists/): Dental anesthesiology ## Non-medical high-income professional pages - [Attorneys](https://seaworthy.io/specialties/attorneys/): Legal profession disability insurance - [Business & Finance Hub](https://seaworthy.io/specialties/business-finance/): Executives, business owners, and financial professionals - [Business Owners](https://seaworthy.io/specialties/business-owners/): Self-employed and partnership coverage - [Private Equity](https://seaworthy.io/specialties/private-equity/): How the five major carriers class private equity roles, how salary, bonus, K-1, and carried interest count toward the benefit, group LTD and participation limits, high-limit options, and 2026 prices from Seaworthy's 2026 quote study ## Tech professional disability insurance - [Tech Professionals Hub](https://seaworthy.io/specialties/tech/): Disability insurance for tech professionals. Software engineers and most office-based tech roles sit in a top-tier white-collar occupation class at every major carrier, though the label differs by carrier (6A at Ameritas, 6A+ at Principal, 5A/5 at MassMutual, which has no 6A); benefits should be sized to total compensation (base and bonus, plus the vested equity reported on a W-2, not just salary); unlike high-risk medical specialties, tech professionals can obtain full-benefit-period mental-health coverage. - [Software Engineers](https://seaworthy.io/specialties/software-engineers/): Coverage for software engineers and developers; a top occupation class at every major carrier (label varies by carrier), equity-heavy comp, repetitive-strain and cognitive risk - [Tech Sales](https://seaworthy.io/specialties/software-sales/): For account executives and sales engineers; sizing coverage to commission/OTE and keeping it portable through job changes - [Product Managers](https://seaworthy.io/specialties/product-managers/): Cognitive-role own-occupation and equity compensation for product managers - [Data Scientists](https://seaworthy.io/specialties/data-scientists/): Analytical own-occupation and total-comp sizing for data scientists, data engineers, and ML engineers - [RSUs & Equity Compensation](https://seaworthy.io/specialties/tech-rsu-equity-compensation/): How carriers treat RSUs, bonus, ESPP, and options. Vested RSUs are W-2 wages counted when documented and recurring; unvested grants, unexercised options, and passive income are not counted - [Startup & Pre-IPO Employees](https://seaworthy.io/specialties/tech-startup-equity/): Startups often offer little or no group LTD; illiquid options and pre-IPO shares are not insurable until they produce W-2 income; buy early at a top occupation class and grow the benefit with a future increase option - [H-1B & Visa-Holding Tech Workers](https://seaworthy.io/specialties/tech-h1b-visa/): Work-visa status is tied to employment, so an owned, portable individual policy matters; all five major carriers consider H-1B/L-1/J-1/O-1/TN applicants, generally case-by-case - [Own-Occupation for Tech](https://seaworthy.io/specialties/tech-own-occupation/): True vs. modified vs. any-occupation, and the "you can still use a computer" trap; protection comes from the definition type plus correct occupation class, not contract keywords - [Group vs. Individual for Tech](https://seaworthy.io/specialties/tech-group-vs-individual/): Employer group LTD insures base salary only (~60%, commonly capped ~$10K/mo, taxable, ends at job change); an individual indemnity policy is sized to total comp and is portable - [Mental Health & Burnout Coverage for Tech](https://seaworthy.io/specialties/tech-mental-health/): Most contracts cap mental/nervous claims at 24 months, but tech is outside the high-risk group, so full-benefit-period coverage is available (Guardian default; MassMutual by endorsement outside CA) if you apply before any treatment is on record - [Cost of Coverage for Tech](https://seaworthy.io/specialties/tech-disability-insurance-cost/): What drives the premium for a top-class tech professional (age, health, benefit, elimination/benefit period, riders); individual DI commonly runs ~1-3% of income ## Carrier reviews - [Guardian Disability Insurance](https://seaworthy.io/carriers/guardian/): Guardian Provider Choice review (form 18ID, issued by Berkshire Life) - [Principal Disability Insurance](https://seaworthy.io/carriers/principal/): Principal Income Protector review (form ICC22-800) - [MassMutual Disability Insurance](https://seaworthy.io/carriers/massmutual/): MassMutual Radius Choice review - [The Standard Disability Insurance](https://seaworthy.io/carriers/the-standard/): The Standard Platinum Advantage review - [Ameritas Disability Insurance](https://seaworthy.io/carriers/ameritas/): Ameritas DInamic Cornerstone review (form 4601NC) ## Contract provisions - [Own-Occupation Disability Insurance](https://seaworthy.io/education/own-occupation-disability-insurance/): The single most important provision; true vs. modified vs. any-occupation and what to verify - [Any-Occupation vs. Own-Occupation](https://seaworthy.io/education/any-occupation-vs-own-occupation/): The most important contract distinction - [Own-Occupation by Carrier](https://seaworthy.io/education/own-occupation-by-carrier-comparison/): How Guardian, Principal, MassMutual, Ameritas, and The Standard each deliver true own-occupation - [Attorney Disability Insurance: How the Five Carriers Compare](https://seaworthy.io/education/attorney-disability-insurance-carrier-comparison/): Guardian, Principal, MassMutual, The Standard, and Ameritas compared for attorneys on occupation class by career stage, the own-occupation wording each contract applies to a legal practice, how partner draws and bonus income are counted, and unnamed five-carrier premium ranges from the 2026 quote study ($238 to $322 a month for a 35-year-old male attorney at $10,000 of benefit, $395 to $535 for a female attorney, before discounts) - [White-Collar Disability Insurance: Carrier Classes and 2026 Prices](https://seaworthy.io/education/white-collar-disability-insurance-carrier-comparison/): How Guardian, Principal, MassMutual, The Standard, and Ameritas class software engineers, finance professionals, consultants, CPAs, and executives, what each step down a carrier's class ladder costs, and how each counts bonus and RSU income, from Seaworthy's 2026 quote study. - [Benefit Period](https://seaworthy.io/education/benefit-period/): How long the policy pays - [Elimination Period](https://seaworthy.io/education/elimination-period/): The waiting period before benefits begin - [Residual Disability Benefits](https://seaworthy.io/education/residual-disability-benefits/): How partial-loss-of-income claims pay - [Partial Disability Coverage](https://seaworthy.io/education/residual-disability-benefits/): Coverage when you can still work reduced duties - [Presumptive Disability](https://seaworthy.io/education/presumptive-disability/): Automatic total-disability treatment for specific losses - [Mental & Nervous Limitations](https://seaworthy.io/education/mental-nervous-limitations/): The 24-month cap, who must take it, and where full coverage is available - [Guaranteed Renewable vs. Non-Cancelable](https://seaworthy.io/education/guaranteed-renewable-vs-noncancelable/): The two renewability standards compared - [Non-Cancelable Explained](https://seaworthy.io/education/guaranteed-renewable-vs-noncancelable/): Why a locked rate and locked terms matter - [Graded vs. Level Premium](https://seaworthy.io/education/graded-vs-level-premium/): Premium structures over the life of the policy - [Long-Term vs. Short-Term Disability](https://seaworthy.io/education/long-term-vs-short-term-disability/): How the two coverage types differ - [Group vs. Individual Coverage](https://seaworthy.io/education/group-vs-individual/): Why employer LTD rarely covers a high earner's full income ## Riders - [Disability Insurance Riders Explained](https://seaworthy.io/education/disability-insurance-riders-explained/): Overview of the optional provisions that shape a policy - [Which Riders Are Worth the Premium](https://seaworthy.io/education/disability-insurance-riders-explained/): Where rider cost is justified for high earners - [Cost-of-Living Adjustment (COLA) Rider](https://seaworthy.io/education/cola-rider/): Inflation protection during a claim - [Catastrophic Disability Rider](https://seaworthy.io/education/catastrophic-disability-rider/): Supplemental coverage for severe disability - [Recovery Benefit Rider](https://seaworthy.io/education/residual-disability-benefits/): Benefits while income recovers after a claim - [Student Loan Rider](https://seaworthy.io/education/student-loan-rider/): Coverage dedicated to student-loan payments - [Return-of-Premium Rider](https://seaworthy.io/education/return-of-premium-rider/): Premium refund provisions - [Exclusion Riders](https://seaworthy.io/education/exclusion-riders/): How underwriting exclusions work and when they can be removed - [Multi-Life Disability Insurance](https://seaworthy.io/education/multi-life-disability-insurance/): Discounted employer-sponsored and association coverage ## Cost, tax, and planning - [Cost of Disability Insurance](https://seaworthy.io/education/disability-insurance-cost/): Premium factors and ranges - [Premium Factors](https://seaworthy.io/education/disability-insurance-cost/): What moves the price up or down - [How Much Disability Insurance Do I Need](https://seaworthy.io/education/how-much-disability-insurance-do-i-need/): Sizing the benefit to income - [When to Buy Disability Insurance](https://seaworthy.io/education/when-to-buy-disability-insurance/): Why earlier and healthier is cheaper - [Disability Insurance Tax Guide](https://seaworthy.io/education/disability-insurance-tax-guide/): When benefits are taxable vs. tax-free - [Disability Insurance Myths for High Earners](https://seaworthy.io/education/disability-insurance-myths-high-earners/): Common misconceptions - [Group Disability Income Replacement](https://seaworthy.io/education/group-vs-individual/): What employer LTD actually replaces after tax and caps - [Carrier-Specific Advantages](https://seaworthy.io/education/carrier-specific-advantages/): How carriers differentiate - [Disability Insurance Claims Process](https://seaworthy.io/education/disability-insurance-claims-process/): What to expect at claim time - [Best Disability Insurance Companies (2026)](https://seaworthy.io/education/best-disability-insurance-companies/): Guardian, Principal, MassMutual, The Standard, and Ameritas ranked overall from placement experience across thousands of policies: own-occupation delivery, AM Best/Comdex ratings (Guardian A++/100 to Ameritas A/82), dividend potential, mental health treatment, and underwriting posture, with a full side-by-side table - [Best Disability Insurance for Physicians (2026)](https://seaworthy.io/education/best-disability-insurance-for-physicians/): The five majors ranked for physicians from placement experience - [Best Disability Insurance for CRNAs (2026)](https://seaworthy.io/education/best-disability-insurance-for-crnas/): Carrier rankings for nurse anesthetists; four of five can be written true own-occupation - [Best Disability Insurance for Dentists (2026)](https://seaworthy.io/education/best-disability-insurance-for-dentists/): The five majors ranked for dentists, including specialty recognition and BOE limits - [Best Disability Insurance for Software Engineers (2026)](https://seaworthy.io/education/best-disability-insurance-for-software-engineers/): The five majors compared for software engineers, developers, product managers, and data scientists. A top occupation class at every carrier (6A at Ameritas, 6A+ at Principal, 5A/5 at MassMutual), how each carrier reaches a true own-occupation definition (Guardian and Ameritas in the base definition, Principal via its own-occupation definition, MassMutual and The Standard via a rider), full-benefit-period mental and nervous coverage generally available at all five for tech (unlike anesthesia, EM, and general dentistry) with the state carve-outs spelled out, residual thresholds 15% at four carriers and 20% at The Standard, The Standard's preferred occupation discount up to 20% including engineers, benefit limits by income, and how RSUs, bonus, and options are counted. - [Best Disability Insurance for Medical Residents and Fellows (2026)](https://seaworthy.io/education/best-disability-insurance-for-residents/): All five majors run dedicated resident programs: $5,000-$8,000/month with no income documentation, group LTD disregarded, 10-20% resident discounts, and future increase rights to grow coverage to attending income without new medical underwriting. The full five-program comparison with limits, exam waivers, and application windows. ## Profession and situation guides - [Attorney Disability Insurance Provisions](https://seaworthy.io/specialties/attorneys/): Attorney-specific contract language - [Business Owner Disability Insurance Questions](https://seaworthy.io/specialties/business-owners/): Owner-specific diligence - [Physician Disability Insurance Mistakes](https://seaworthy.io/specialties/physicians/): The errors high-earning physicians make most - [Surgeon Disability Risks](https://seaworthy.io/specialties/surgeons/): Procedural and fine-motor risk for surgeons - [Disability Insurance for Residents](https://seaworthy.io/specialties/residents/): Residency-stage coverage - [Resident Disability Insurance Decisions](https://seaworthy.io/specialties/residents/): Key choices to make during training - [Disability Insurance for Locum Tenens](https://seaworthy.io/education/disability-insurance-for-locum-tenens/): Locum-specific considerations ## Business protection products - [Business Overhead Expense Insurance](https://seaworthy.io/business-overhead-expense/): Business expense protection during owner disability - [Buy-Sell Disability Insurance](https://seaworthy.io/buy-sell-disability-insurance/): Partnership buy-out coverage - [Key Person Disability Insurance](https://seaworthy.io/key-person-disability-insurance/): Key employee protection - [Business Loan Protection](https://seaworthy.io/business-loan-protection/): Loan-covenant disability coverage - [Retirement Protection](https://seaworthy.io/retirement-protection/): Disability and retirement integration ## More pages ### CRNA - [CRNA Disability Insurance Quotes](https://seaworthy.io/quote/crnas/): Request CRNA disability insurance quotes from all five major carriers in one comparison, with the contract language read beside the price. No fee. - [Ameritas Disability Insurance for CRNAs (2026)](https://seaworthy.io/specialties/crna-ameritas/): How Ameritas - [CRNA Disability Insurance Cost (2026): What CRNAs Pay](https://seaworthy.io/specialties/crna-disability-insurance-cost/): What CRNAs pay for individual disability insurance, drawn from Seaworthy - [Guardian Disability Insurance for CRNAs (2026)](https://seaworthy.io/specialties/crna-guardian/): How Guardian - [MassMutual Disability Insurance for CRNAs (2026)](https://seaworthy.io/specialties/crna-massmutual/): How MassMutual - [Principal Disability Insurance for CRNAs (2026)](https://seaworthy.io/specialties/crna-principal/): How Principal - [The Standard Disability Insurance for CRNAs (2026)](https://seaworthy.io/specialties/crna-the-standard/): How The Standard - [CRNA Disability Insurance Underwriting: What to Expect](https://seaworthy.io/specialties/crna-underwriting/): Seaworthy Insurance specializes in CRNA coverage. What disability insurance underwriting asks a CRNA for, the rating and exclusion triggers specific to the profession, and why roughly 40% of placed CRNA policies come back modified. ### Carriers - [Northwestern Mutual Disability Insurance Review](https://seaworthy.io/carriers/northwestern-mutual/): A provision-level review of Northwestern Mutual ### Education - [Disability Insurance Broker vs Buying Direct (2026)](https://seaworthy.io/education/broker-vs-direct-disability-insurance/): What buying disability insurance direct from a carrier or captive agent means, what an independent broker actually does, when direct is fine, why carrier comparison matters in this product, and how broker compensation works. - [Dentist Disability Insurance Cost 2026: Real Quotes | Seaworthy](https://seaworthy.io/education/dentist-disability-insurance-cost/): Real premium data from Seaworthy - [Disability Insurance After 45: Ages, Limits, and Cost](https://seaworthy.io/education/disability-insurance-after-45/): What changes when you buy individual disability insurance at 45, 50, or 55, covering issue ages and benefit limits at the five major carriers, when increase and inflation riders stop, the extra underwriting from 51, and prices at 35 through 60 from Seaworthy - [Disability Insurance After Anxiety or Depression](https://seaworthy.io/education/disability-insurance-mental-health-history/): How individual disability insurers typically underwrite a history of anxiety, depression, therapy, or antidepressants, how an exclusion rider differs from the mental and nervous limitation, what the application asks, and when an exclusion can be reconsidered. - [Future Increase Option Explained | Seaworthy](https://seaworthy.io/education/future-increase-options/): FIO lets you raise your disability benefit later without new medical underwriting, locking insurability before a health event or exclusion can limit you. Why it matters early. - [Guaranteed Standard Issue (GSI) Disability Insurance](https://seaworthy.io/education/guaranteed-standard-issue-disability-insurance/): Guaranteed standard issue (GSI) disability insurance gives eligible employees, most often physicians at hospital systems, an individual policy at a guaranteed amount with no medical underwriting. What GSI is, who can get it, the own-occupation question, the three catches, and how it layers with individual coverage. - [How to Choose a Disability Insurance Advisor](https://seaworthy.io/education/how-to-choose-a-disability-insurance-advisor/): A buyer - [Lowering a Disability Premium: What Each Cut Costs | Seaworthy](https://seaworthy.io/education/lowering-disability-insurance-premium/): What each way of lowering an individual disability insurance premium saves and gives up at claim for professionals earning $400,000 or more, priced from Seaworthy - [Reviewing a Northwestern Mutual Disability Proposal | Seaworthy](https://seaworthy.io/education/northwestern-mutual-disability-proposal-review/): Six things to verify on a Northwestern Mutual disability insurance illustration before signing: which definition of total disability it uses, the mental health limitation and buy-up, the residual rider, the guaranteed maximum premium behind the dividend projection, the future increase option, and how it compares to the independent market. - [Northwestern Mutual vs Guardian Disability Insurance | Seaworthy](https://seaworthy.io/education/northwestern-mutual-vs-guardian-disability-insurance/): A provision-level comparison of Northwestern Mutual - [Physician Disability Insurance Cost 2026: Real Quotes | Seaworthy](https://seaworthy.io/education/physician-disability-insurance-cost/): Real premium data from Seaworthy - [Resident Disability Insurance Cost 2026 | Seaworthy](https://seaworthy.io/education/resident-disability-insurance-cost/): What a medical resident pays for true own-occupation disability insurance, derived carrier by carrier from Seaworthy - [Surgeon Disability Insurance Cost by Carrier (2026) | Seaworthy](https://seaworthy.io/education/surgeon-disability-insurance-cost/): Measured 2026 premiums for true own-occupation disability insurance across five surgical specialties and five carriers, for a male and a female surgeon, plus how each carrier ### Association plans - [Professional Association Disability Insurance Plans](https://seaworthy.io/associations/): Seaworthy Insurance reviews group disability plans offered by major professional associations. Understand coverage limitations, benefit caps, and why individual supplemental coverage is essential for high-earning professionals. - [ADA Insurance Plans for Dentists (2026 Review)](https://seaworthy.io/associations/ada-disability-plan/): The ADA-sponsored disability plan from Protective: premiums that step up every five years and can be changed for the group annually, residual benefits that require a prior total disability, the $15,000 cap, membership-tied coverage, and where an individual policy is the stronger core. - [AMA-Sponsored Disability Insurance Review (2026) | Seaworthy](https://seaworthy.io/associations/ama-group-disability/): The AMA-sponsored group disability plan from New York Life: age-banded premiums, a one-time three-year benefit increase window, the 24-month mental and nervous cap, conditional renewability, and where an individual policy is the stronger core. ### Insights - [Insights](https://seaworthy.io/insights/): Seaworthy Insurance on disability and income protection, AI-mediated discovery, and how high-income professionals should think about protecting earnings. - [AI Forced Us to Rebrand | Seaworthy Insurance](https://seaworthy.io/insights/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. - [AI Sent Me Back to School at 43 | Seaworthy Insurance](https://seaworthy.io/insights/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. - [Can an AI Agent Get You a Disability Insurance Quote? | Seaworthy](https://seaworthy.io/insights/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. - [Only 12% of High Earners Would Let AI Buy Insurance | Seaworthy](https://seaworthy.io/insights/the-twelve-percent/): Seaworthy - [The Three-Minute Underwrite | Seaworthy Insurance](https://seaworthy.io/insights/three-minute-underwrite/): AI ### Specialties - [CPA & Accountant Own-Occupation Disability Insurance](https://seaworthy.io/specialties/accountants/): Own-occupation disability insurance for CPAs and accountants, priced across five carriers. Protect your income against conditions such as cognitive impairment or depression that would stop analytical work. See how carriers differ on mental/nervous limitation clauses. - [Disability Insurance for Amazon Employees (2026)](https://seaworthy.io/specialties/amazon-employees/): What Amazon - [Anesthesiologist Disability Insurance](https://seaworthy.io/specialties/anesthesiologists/): In nearly every state, anesthesiologists face a forced mental health limitation, typically 24 months, and a higher-risk class. A spine condition that rules out long cases, or lost fine motor control for intubation, can end anesthesia work while other medical roles stay open. - [Architect Own-Occupation Disability Insurance](https://seaworthy.io/specialties/architects/): Own-occupation disability insurance for licensed architects, priced across five carriers. Examples of what would stop design work include progressive vision loss, a neurological condition impairing spatial reasoning, and chronic pain. - [Sizing Disability Coverage for Executives](https://seaworthy.io/specialties/business-finance-compensation/): How disability carriers size a benefit for business and finance professionals paid in bonus, commission, partnership draws, and K-1 income. What counts (base, averaged bonus and commission, the earned-income portion of draws and K-1 income), what stays out (investment income, unvested equity), where the carrier schedules cap the benefit, and how the income is documented. - [Group vs. Individual Disability for Executives](https://seaworthy.io/specialties/business-finance-group-vs-individual/): Group LTD at large firms generally figures on base salary, leaving bonus, commission, partnership draws, and K-1 income outside the benefit. How an individual own-occupation policy is sized and classed for executives, finance professionals, attorneys, and business owners. - [Own-Occupation Disability for Executives](https://seaworthy.io/specialties/business-finance-own-occupation/): How true own-occupation coverage applies to executives, business owners, attorneys, financial professionals, consultants, and accountants. Covers the - [Disability Insurance Checklist for Executives](https://seaworthy.io/specialties/business-finance-questions-before-buying/): Before buying disability insurance, an executive, business owner, attorney, or financial professional should confirm which pay counts toward the benefit, whether own-occupation follows the role held, and which business policies a firm owner needs beside personal coverage. - [Compare Disability Insurance for Executives](https://seaworthy.io/specialties/business-finance-quote-comparison/): How Guardian, MassMutual, The Standard, Ameritas, and Principal class executives, business owners, attorneys, financial professionals, consultants, and accountants, and where each stands out. Top-class labels by carrier, how fund and venture roles are classed, the trial-attorney specialty wording at The Standard, and the Ameritas business overhead expense limit for owners. - [Consultant Own-Occupation Disability Insurance](https://seaworthy.io/specialties/consultants/): Disability insurance for management, strategy, and independent consultants. How carriers classify consulting work, why income level and tenure change the occupation class, and what project-based or 1099 income means at underwriting. - [Disability Insurance for Dental Hygienists](https://seaworthy.io/specialties/dental-hygienists/): Disability insurance for dental hygienists, including how carriers classify hygienists, why the market is narrower than it is for dentists, the modified own-occupation contract available to age 65, and the $8,000 monthly benefit ceiling. - [Dentist Business Overhead Expense Insurance](https://seaworthy.io/specialties/dentist-business-overhead-expense/): Business overhead expense insurance reimburses a dental practice - [Dentist Disability Risks: Hand, Back, and Vision | Seaworthy](https://seaworthy.io/specialties/dentist-disability-risks/): Dentistry is fine-motor, hands-on work. The disability risks dentists face most, from hand and wrist conditions to neck and back musculoskeletal injury, vision, and mental health, and why a true own-occupation definition paired with residual coverage decides each claim. - [Dentist Group vs Individual Disability Insurance | Seaworthy](https://seaworthy.io/specialties/dentist-group-vs-individual/): A practice owner has no employer to provide group LTD, and an associate - [Dentist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/dentist-own-occupation/): How the five carriers Seaworthy places tie a dentist - [Dentist Disability Insurance Checklist](https://seaworthy.io/specialties/dentist-questions-before-buying/): Dentists buying disability insurance should confirm that the claim is measured against their ADA specialty, that a practice they own has business overhead expense coverage, and how the dental occupation classes cap the benefit. An AEGD or GPR residency can also change the class at MassMutual. - [Dentist Disability Insurance Carrier Comparison (2026)](https://seaworthy.io/specialties/dentist-quote-comparison/): All five major disability carriers, The Standard, Guardian, MassMutual, Ameritas, and Principal, can be written as true own-occupation for dentists. They differ in how they deliver it, how they class dental specialties, and where each one stands out, which is what a side-by-side comparison is for. - [Emergency Medicine Disability Insurance](https://seaworthy.io/specialties/emergency-medicine/): How emergency physicians buy disability insurance when every carrier Seaworthy places rates EM in its higher-risk class tier, the 24-month mental health limitation is mandatory, and Principal caps EM issue amounts at $20,000 a month. How to structure coverage around those constraints. - [Endodontist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/endodontists/): Endodontic practice runs on the neck, the fingertips, and the eyes, all working under a microscope. See how the five carriers class endodontists, how specialty own-occupation covers a slow loss of microsurgical precision, and what a policy costs at 2026 prices. - [Engineer Own-Occupation Disability Insurance](https://seaworthy.io/specialties/engineers/): Disability insurance for engineers in office and field roles, priced across five carriers. Protect your income against cognitive impairment, TBI, and neurological conditions that threaten mathematical reasoning and systems analysis. See how carriers rate field vs. office engineering roles. - [Executive Disability Insurance for Bonus & Equity Pay](https://seaworthy.io/specialties/executives/): Disability insurance for executives paid in base, bonus, and equity. How carriers count variable compensation, why group LTD caps bite hardest at the top of the pay scale, and which programs reach $60,000 a month. - [Family Medicine Own-Occupation Disability Insurance](https://seaworthy.io/specialties/family-medicine/): How family physicians buy disability insurance, with near-best occupation classes at all five carriers Seaworthy places, full-period mental health elections, part-time and locum underwriting paths, and business overhead expense coverage for practice owners. - [Disability Insurance for Finance Professionals](https://seaworthy.io/specialties/finance-professionals/): Own-occupation disability insurance for hedge fund and private equity professionals, venture capitalists, investment bankers, portfolio managers, traders, and financial advisors. How the five major carriers class each role, and how they count bonus, K-1, and carried interest. - [General Dentist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/general-dentists/): Own-occupation disability insurance for general dentists, starting with the class each carrier assigns and whether mental and nervous claims stop at 24 months. Also covered are what production-paid associates and practice owners each need, and when to apply. - [Geriatrician Own-Occupation Disability Insurance](https://seaworthy.io/specialties/geriatricians/): Compare disability insurance quotes for geriatricians. A cognitive condition, a depressive illness, and a back injury that rules out helping frail patients are examples of what can stop geriatric practice. See which carriers offer extended mental health benefits. - [Infectious Disease Disability Insurance](https://seaworthy.io/specialties/infectious-disease/): Own-occupation disability insurance for infectious disease physicians, covering conditions that would stop consult work, such as a cognitive condition, a psychiatric illness, or an infection, and how carriers treat an infection caught at work. - [Internal Medicine Own-Occupation Disability Insurance](https://seaworthy.io/specialties/internal-medicine/): Own-occupation coverage for internists, who get a top or near-top class at each of the five carriers Seaworthy places, full-benefit-period mental health elections, and the pre-fellowship timing play that locks internal-medicine pricing for a subspecialty career. - [Disability Insurance for Medical Device & Pharma Sales](https://seaworthy.io/specialties/medical-device-pharmaceutical-sales/): Own-occupation disability insurance for medical device and pharmaceutical sales representatives. How the five major carriers class commission-heavy medical sales roles, how they count commission income, and where group coverage falls short. - [Nephrologist Disability Insurance | Compare Carriers](https://seaworthy.io/specialties/nephrologists/): Compare own-occupation disability insurance for nephrologists. See how the contract treats conditions such as depression, a bloodborne infection, or a hand injury that would stop dialysis, consult, or procedure work. - [Own-Occupation Disability Insurance for OB/GYN](https://seaworthy.io/specialties/obgyn/): Compare own-occupation disability insurance for OB/GYNs. A back injury, a hand condition, or a psychiatric illness can end operating and deliveries while office gynecology stays possible. See how carriers treat obstetric vs. gynecologic practice mix. - [Ophthalmologist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/ophthalmologists/): Disability insurance for ophthalmologists. Carriers disagree on how to class this microsurgical specialty more than almost any other, from 3P at MassMutual to 5M at Principal and Ameritas, and an ophthalmologist - [Own-Occupation Disability Insurance for Optometrists](https://seaworthy.io/specialties/optometrists/): Compare own-occupation disability insurance quotes for optometrists. See how a policy responds when a condition such as vision loss or a hand tremor stops examination work, what coverage costs at 2026 prices, and how the five carriers class ODs. - [Oral Surgeon Disability Insurance](https://seaworthy.io/specialties/oral-surgeons/): Compare own-occupation disability insurance for oral and maxillofacial surgeons. See how a policy measures a claim against surgery when a condition such as a neck or hand problem stops operative work, and how carriers classify OMS versus general dentistry. - [Orthodontist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/orthodontists/): Orthodontist disability insurance on true own-occupation terms, with residual benefits for a schedule cut short by a condition such as carpal tunnel or cervical disc disease, and business overhead expense coverage for practice owners. - [Orthopedic Surgeon Disability Insurance](https://seaworthy.io/specialties/orthopedic-surgeons/): Disability insurance for orthopedic surgeons, a specialty with one of the widest occupation-class spreads in medicine (about two tiers, Ameritas 5M to Guardian and Principal 3M) and the one surgical specialty Guardian excludes from its surgeon discount. A physically punishing practice where the surgeon - [ENT & Otolaryngologist Disability Insurance](https://seaworthy.io/specialties/otolaryngologists/): How carriers class and price own-occupation disability insurance for otolaryngologists (ENT). ENT lands mid-tier, from 4M up to Ameritas at 5M, so comparing all five carriers is how a surgical income gets protected. - [Pediatric Dentist Disability Insurance](https://seaworthy.io/specialties/pediatric-dentists/): Own-occupation disability insurance for pediatric dentists, with each carrier - [Pediatrician Own-Occupation Disability Insurance](https://seaworthy.io/specialties/pediatricians/): Disability insurance for pediatricians, Principal - [Periodontist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/periodontists/): Periodontist disability insurance with own-occupation terms scoped to periodontics, so a claim is measured against implant and grafting work when a condition like carpal tunnel, cervical disc disease, or a hand tremor ends it, plus residual coverage for a smaller caseload. - [Pharmacist Disability Insurance Quote Comparison](https://seaworthy.io/specialties/pharmacists/): Compare own-occupation disability insurance quotes for pharmacists. See what happens to a claim when a condition stops pharmacy work, whether that is cognitive decline or a back problem that rules out a standing shift, and how carriers classify PharmD roles. - [Physician Assistant Disability Insurance](https://seaworthy.io/specialties/physician-assistants/): Compare own-occupation disability insurance for physician assistants. A hand injury can end a procedural PA role, and a condition that impairs concentration can end a clinical one. See how carriers classify PAs by specialty setting. - [How Much Disability Insurance Can a Physician Get? | Seaworthy](https://seaworthy.io/specialties/physician-benefit-sizing/): Carriers set a maximum dollar benefit from documented income through issue and participation limits, not a flat 60 percent. The physician occupation classes generally top out near $30,000 a month at one carrier as of 2026, though documented income holds most offers well under that, with larger totals sometimes possible across carriers. Self-funded benefits are generally tax-free. - [Physician Disability Risks and How Coverage Responds | Seaworthy](https://seaworthy.io/specialties/physician-disability-risks/): Physician disability risk is specialty-dependent. The major categories are procedural and fine-motor loss for surgeons and proceduralists, mental health and burnout, musculoskeletal injury, and cognitive or neurological conditions. Why a hand or back condition can end operating while other medicine remains possible, and how the own-occupation definition decides each claim. - [Physician Group vs Individual Disability Insurance | Seaworthy](https://seaworthy.io/specialties/physician-group-vs-individual/): Hospital group LTD commonly caps a physician - [Physician Mental Health DI: Full-Period vs 24-Month Cap | Seaworthy](https://seaworthy.io/specialties/physician-mental-health/): Most physicians can secure full-benefit-period mental and nervous coverage, not the 24-month cap. Every carrier we place forces the cap on anesthesiology, emergency medicine, and the anesthesia professions, and past that core each carrier sets its own list, with The Standard reaching furthest into surgery and dentistry. How each major carrier delivers full-period mental health coverage for everyone else, with CA and NY caveats. - [Physician Occupation Classes by Carrier](https://seaworthy.io/specialties/physician-occupation-classes/): The same physician specialty is classed very differently across Guardian, Principal, MassMutual, Ameritas, and The Standard, and class is a primary driver of premium. The full specialty-by-specialty grid, compiled from the carriers - [Physician Own-Occupation Disability Insurance](https://seaworthy.io/specialties/physician-own-occupation/): For a physician, the own-occupation question is how each carrier ties a claim to the specialty in practice. Guardian - [Physician Disability Insurance Checklist](https://seaworthy.io/specialties/physician-questions-before-buying/): Six questions for a physician to settle before buying disability insurance, starting with how each carrier recognizes a specialty, whether a surgeon - [Compare Physician Disability Insurance](https://seaworthy.io/specialties/physician-quote-comparison/): Seaworthy compares the five major disability carriers for a physician on contract language, not price. All five can be written true own-occupation. What differs is how each recognizes your specialty, the physician occupation classes, and the standout feature, from Guardian - [Group vs. Individual Disability for Pros](https://seaworthy.io/specialties/professionals-group-vs-individual/): Why hospital, health-system, and firm group LTD leaves a gap for licensed and credentialed professionals. Benefit caps, base-salary-only coverage, taxability, the switch to an any-occupation test after about 24 months, and why an individual own-occupation policy is the portable core. - [Disability Occupation Class for Professionals](https://seaworthy.io/specialties/professionals-occupation-class/): Occupation class varies widely across licensed professionals, unlike physicians or finance pros who cluster at the top. What the class drives (own-occ availability, issue and participation caps, price) and what it does not decide (the claim, which turns on the definition type and your real duties). Allied-health constraints and favored technical office classes. - [Own-Occupation Disability for Professionals](https://seaworthy.io/specialties/professionals-own-occupation/): For a licensed or credentialed professional, the credential is the asset. How true own-occupation protects the licensed role of a pharmacist, optometrist, physician assistant, nurse practitioner, engineer, or architect, how the five carriers deliver it for this group, and why the mandatory 24-month mental and nervous limitation at Principal and Guardian matters for pharmacists. - [Professionals](https://seaworthy.io/specialties/professionals-questions-before-buying/): Pharmacists, physician assistants, optometrists, engineers, and architects are classed differently by each disability carrier. Start with the occupation class, check whether it brings a required mental and nervous limitation, and confirm the benefit counts shift, productivity, and per-diem pay. - [Compare Disability Insurance for Professionals](https://seaworthy.io/specialties/professionals-quote-comparison/): How Guardian, MassMutual, The Standard, Ameritas, and Principal compare for licensed and credentialed professionals, a group spread across the occupation-class scale. Class range by role, the 24-month mental and nervous limitation required for pharmacists at Principal and Guardian, MassMutual - [Professional Disability Insurance](https://seaworthy.io/specialties/professionals/): Seaworthy Insurance places disability insurance for licensed and credentialed professionals. All five major carriers compared on own-occupation language and occupation class, which varies widely across this group. - [Prosthodontist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/prosthodontists/): Prosthodontist disability insurance on own-occupation terms. See how the five carriers class the specialty, what the 2026 prices are, and how a claim is measured when a condition such as carpal tunnel or a hand tremor costs margin accuracy. - [Psychiatrist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/psychiatrists/): Disability insurance for psychiatrists, a specialty where full-benefit-period mental and nervous coverage matters most and the 24-month cap is optional everywhere except California and, at Principal, New York and single-life Florida cases. Ameritas classes psychiatry a full tier above its peers at 5M, and true own-occupation protects your practice even though an MD can work elsewhere. - [Radiologist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/radiologists/): Disability insurance for radiologists. Diagnostic radiology classes well and earns discounts at Guardian and The Standard, while interventional radiology classes lower. Income rides on reading images, so a vision or cognitive condition is the risk a true own-occupation contract must cover. - [Disability Insurance for the Self-Employed](https://seaworthy.io/specialties/self-employed/): Disability insurance when you work for yourself. Why there is no group plan to fall back on, how carriers verify income from a Schedule C or K-1, and how personal coverage and business overhead expense fit together. - [Sports Medicine Own-Occupation Disability Insurance](https://seaworthy.io/specialties/sports-medicine/): What sports medicine physicians pay for own-occupation disability coverage, and how the primary board and duties set the class. A hand or wrist condition, for example, can end ultrasound-guided procedures and hands-on exams while primary care work stays open. - [Own-Occupation Disability Insurance for Veterinarians](https://seaworthy.io/specialties/veterinarians/): Own-occupation disability insurance for veterinarians. How the five major carriers class small- and large-animal vets, what coverage costs before employer and association discounts, new-graduate benefit limits, and what practice owners should add. ### Business & other products - [Life Insurance for High-Income Professionals](https://seaworthy.io/life-insurance/): Explore life insurance options designed for high-income professionals. Coordinate term and permanent coverage with your disability insurance for complete income protection. Existing DI clients get faster underwriting with less paperwork. ### Other pages - [Seaworthy Insurance Firm Facts | Independent Brokerage Since 2011](https://seaworthy.io/about/company/): Firm facts for Seaworthy Insurance, an independent, carrier-neutral disability insurance brokerage founded in 2011 as Physician - [State Insurance Licenses | Seaworthy Insurance](https://seaworthy.io/about/licenses/): State-by-state insurance licensing record for Seaworthy Insurance (Physician - [California Disability Insurance for High Earners](https://seaworthy.io/disability-insurance-california/): How California SDI actually pays, why the $1,765 weekly cap leaves high earners exposed, the CA-specific contract quirks that change carrier choice, and how individual own-occupation coverage fills the gap. - [New York Disability Insurance for High Earners](https://seaworthy.io/disability-insurance-new-york/): New York - [Attorney Disability Insurance Quotes](https://seaworthy.io/quote/attorneys/): Request attorney disability insurance quotes from all five major carriers in one comparison, priced for trial and transactional practice. No fee. - [Dentist Disability Insurance Quotes](https://seaworthy.io/quote/dentists/): Dentist disability insurance quotes from five carriers, compared on dental specialty recognition, occupation class, and practice overhead coverage. No fee. - [Physician Disability Insurance Quotes](https://seaworthy.io/quote/physicians/): Physician disability insurance quotes by specialty, with classes compared at Guardian, Principal, MassMutual, Ameritas, and The Standard. No fee. - [Resident Disability Insurance Quotes](https://seaworthy.io/quote/residents/): Request disability insurance quotes for medical residents and fellows from all five major carriers, including training discounts and the windows to claim them. No fee. - [Software Engineer Disability Insurance Quotes](https://seaworthy.io/quote/software-engineers/): Disability insurance quotes for software engineers from all five major carriers, with equity-heavy compensation documented correctly. No fee. ## Contact - [Email](mailto:contact@seaworthy.io): contact@seaworthy.io - [Phone](tel:+18005181190): (800) 518-1190 - [LinkedIn](https://www.linkedin.com/company/seaworthy-insurance/): Company page - [Quote Request](https://seaworthy.io/quote/): Request a comparison ## Optional - [Privacy Policy](https://seaworthy.io/privacy-policy/): Privacy practices - [Terms](https://seaworthy.io/terms/): Site terms of use