Five details. that's all we need.
Compare Own-Occupation quotes from Ameritas, Principal, The Standard, MassMutual, and Guardian. No carrier preference. No obligation.
Your personal information is kept secure.
Your personal information is kept secure.
What your comparison shows
A Seaworthy comparison is a side-by-side reading of the same coverage across all five carriers, built around the provisions that decide a claim. You see where the contracts differ down to the wording, and not only what they cost. Here is what the analysis lines up.
| What we compare | Across the five carriers | Why it matters |
|---|---|---|
| Own-occupation definition | Whether the contract pays if you cannot perform your own specialty, and how each carrier words it. | Typically the provision that carries the most weight in a high-income claim. |
| Monthly benefit and issue limits | The largest benefit each carrier will issue at your income, plus how group or association coverage offsets it. | Determines how much of your income you can protect. |
| Residual and partial benefits | The trigger for a partial-disability claim and whether a prior total disability is required. | Partial-disability claims are common, and often precede a total claim. |
| Elimination and benefit periods | How long before benefits begin and how long they run, usually to age 65 or 67. | Sets your out-of-pocket window and the length of protection. |
| Future increase options | The right to raise coverage later without new medical underwriting. | Protects your ability to add coverage as income grows. |
| Premium and premium structure | The quoted cost, plus whether the contract is noncancelable or guaranteed renewable and which discounts apply. | Two policies at the same price can carry very different guarantees. |
No fee, and no change to your price
Seaworthy is an independent brokerage with no carrier preference. The agency is compensated by the carrier only when you decide to place coverage, so the comparison itself costs you nothing, and the premium you pay is identical whether you apply through Seaworthy or directly with the carrier. Commissions are already built into the rates state regulators approve.
A quote request is educational. You receive the analysis and decide from there. Nothing goes to a carrier until you choose to apply.
What our clients say
"Phenomenal experience working with the team. After a year or two with my insurance, they helped me negotiate a different rate and then handled the billing issues for me since we were halfway through a cycle. Would recommend, 10/10."
"Phil went above and beyond to help us. He was diligent, engaged, and thorough. He has been helping us for years and is dedicated and reliable. Highly recommend!"
"Phil is the best! He's helped me get the best possible coverage from the insurance companies when other agents came back with tons of exclusions."
Quote comparison questions
Is there a broker fee?
No. Seaworthy is compensated by the carrier when you choose to place coverage, so the comparison costs you nothing. The premium is the same whether you apply through Seaworthy or directly with the carrier, because commissions are built into the rates state insurance regulators approve.
Which carriers do you compare?
Guardian, Principal, MassMutual, Ameritas, and The Standard, the five carriers that, in the agency's experience, write among the strongest individual own-occupation coverage for high earners. When none of the five can cover a situation, the agency also has access to the Lloyd's of London surplus-lines market.
Will requesting a comparison affect my credit?
No. A quote comparison does not involve a credit check. The figures are based on the occupation, income, age, gender, and state you provide. No credit file is pulled.
Can I have an existing policy reviewed instead?
Yes. If you already hold coverage, the agency can read the contract you own against what the current market offers and tell you where it is strong and where it falls short. Add a note on the form and mention the carrier if you know it.
Am I committing to anything by requesting quotes?
No. A quote request is educational. You receive the side-by-side comparison and decide from there. Nothing is submitted to a carrier until you choose to apply.