Top carriers for attorneys
All five carriers below can be written as true own-occupation for most professions. Guardian and Ameritas build it into the base definition, MassMutual and Principal deliver it through their own-occupation rider or definition, and at The Standard it comes through a rider whose availability depends on your occupation class. Your optimal carrier depends on your specific specialty, income structure, and state. We compare all five side-by-side in every analysis.
| Carrier | Product | AM Best rating | Contract strength |
|---|---|---|---|
 | Provider Choice | A++ (Superior) | Strongest contract of the five, in our view |
 | Platinum Advantage | A (Excellent) | Contract clarity |
 | Income Protector | A+ (Superior) | Most flexible underwriting in our experience; deep rider menu |
 | Radius Choice | A++ (Superior) | Mutual-company dividends; Own Occupation Rider available |
 | DInamic Cornerstone | A (Excellent) | Competitive pricing; highest BOE limit of the carriers we place |
Provider Choice
- AM Best
- A++ (Superior)
- Strength
- Strongest contract of the five, in our view
Radius Choice
- AM Best
- A++ (Superior)
- Strength
- Mutual-company dividends; Own Occupation Rider available
Income Protector
- AM Best
- A+ (Superior)
- Strength
- Most flexible underwriting in our experience; deep rider menu
Platinum Advantage
- AM Best
- A (Excellent)
- Strength
- Contract clarity
DInamic Cornerstone
- AM Best
- A (Excellent)
- Strength
- Competitive pricing; highest BOE limit of the carriers we place
Get a comparison of all five carriers tailored to your specialty
Get a Quote ComparisonWhy does an attorney's coverage turn on the definition of disability?
An attorney's coverage turns on the definition because a condition can end a legal practice without stopping all work, and a weaker definition pays in full only while you are not working at all. A brain injury that slows processing speed, depression deep enough that trial preparation becomes impossible, or chronic pain that breaks up a day of drafting can end the practice while leaving the lawyer able to teach, consult, or take a lighter role. The U.S. Bureau of Labor Statistics frames the occupation broadly, writing that "Lawyers advise and represent clients on legal proceedings or transactions." A claim is measured against the version of that work you were doing when disability began.
A true own-occupation definition pays the full benefit when you cannot perform the material and substantial duties of your occupation, even while you earn in another field. Modified and transitional definitions stop once you are gainfully employed elsewhere, and an any-occupation definition pays nothing while any suitable work is possible. Long hours do not stretch the occupation either. Guardian's Provider Choice specimen (form ICC16 18ID) states that "Working an average of more than 40 hours in a week, in itself, is not a material and substantial duty," so a partner billing 2,400 hours who can return only to a standard week is not measured against the overtime.
The provision-by-provision wording comparison and the fully loaded August 2026 attorney price cut sit on our attorney carrier comparison.
What occupation class does each carrier give an attorney?
Each carrier places an attorney in its top office class, and none splits the class by practice area, so a litigator, a transactional lawyer, and in-house counsel land on the same row. The rows printed beside the attorney row in the carriers' mid-2026 occupation listings, judges and paralegals among them, differ more than the attorney row does.
| Carrier | Attorney row and class | Conditions on that class | Judge | Paralegal and legal assistant |
|---|---|---|---|---|
| Attorney, 6 | Class 6 pictures a financially sound firm of five years with 10 or more full-time employees and $75,000 of pay in each of the last two years | Law degree required, referred to the underwriter | Paralegal, 4 |
| Attorney, 6A+ | 5A-Select in California and New York, where 6A+ is not offered | Judge and district attorney, 6A | Paralegal earning $45,000 or more, 4A. Legal assistant 3A |
| Attorney, 5A/5 on Radius Choice | No income ladder on the attorney row | Individual consideration | Paralegal 4A. Certified legal assistant 3A |
| Attorneys, 6A | Named on the list with no income condition | With a law degree, follows the legal-services rows. Others 4A | Paralegal, 5A |
| Attorney, 5A | Eligible for the 20% Preferred Occupation Discount | Judge or elected judge with a law degree, 5A | Classed with office workers by duties |
The labels sit on different scales. Principal keeps a 6A+ tier above 6A for attorneys, CPAs, credentialed actuaries, and degreed engineers, MassMutual tops out at 5A/5, The Standard at 5A, Ameritas at 6A for office work, and Guardian runs a 6, 5, 4, and 3 office ladder, so each attorney row is the best that carrier writes for office work.
Guardian lists attorneys at 6, and its class 6 description pictures an established firm with at least ten full-time employees, so the class for a solo practice or a two-lawyer office is an underwriter's decision at Guardian, while Ameritas names attorneys at 6A with no income or firm-size condition. A lawyer who moves to a judgeship keeps a favorable class at Principal and The Standard and goes to the underwriter at Guardian and MassMutual. Class sets the premium and the benefit ceiling, and the claim is decided by the definition, covered next.
Does the contract protect a litigator who can still practice law?
A litigator who can no longer try cases but can still practice law is the case where the five contracts part ways. Principal and The Standard deem a specialty the occupation, so a lawyer who loses the specialty can collect the total benefit while practicing in another area of law. Guardian, MassMutual, and Ameritas measure the lawyer against the practice of law as performed, which is true own-occupation for a lawyer who cannot practice at all and typically a partial claim for one who still can.
| Carrier | What the lawyer is measured against | Litigator who can still practice law |
|---|---|---|
| The specialty of law routinely performed when disability begins, in the base contract at no extra cost | Measured against the specialty. A total claim while working in other law |
| Trial attorney, deemed the regular occupation through the Own Occupation Rider for a practice limited to trial work | Measured against trial work. No other legal specialty is recognized |
| Your Occupation, the work done in the 12 months before disability, on the Premier package we place | Measured against the practice of law. Typically a partial claim measured by lost income |
| The regular profession at the start of disability, through the Own Occupation Rider | Measured against the practice of law. Typically a partial claim measured by lost income |
| Your occupation, in the base definition on DInamic Cornerstone. Specialty language is written for physicians and dentists | Measured against the practice of law. Typically a partial claim measured by lost income |
 | A single specialty is deemed the occupation when the industry widely recognizes it as one | Turns on whether the specialty passes that recognition test |
Principal's Income Protector (form ICC22-800) reads, "If Your Own Occupation is in the practice of law, the specialty of law You were routinely performing when Your Disability begins will be considered Your Own Occupation." The Standard's Platinum Advantage rider (form ICC17-B180) provides that "If you are an attorney and have limited your Regular Occupation to the performance of the usual and customary activities of a trial attorney, then trial attorney will be deemed your Regular Occupation," and adds, "No legal specialty other than trial attorney will be accepted as a Regular Occupation for the purposes of this rider." It defines those activities as personal participation in civil or criminal trials, administrative rule-making and contested-case hearings, workers' compensation hearings, arbitration and mediation, and the taking or defending of depositions.
MassMutual's Own Occupation Rider (form ICC20-OO-RC) redefines the occupation as "The Insured's regular profession(s) or business(es) at the start of Disability for which the Insured receives or can receive remuneration," and its base Radius Choice policy pays total disability only while the insured "is not working at any occupation," which is why the rider has to be on the illustration. The Petersen certificate for Lloyd's of London (form PDI111521) deems a single specialty the occupation "provided that Your industry widely recognizes that occupation as a specialty." Wording differs by state and policy edition, and the issued contract controls.
For a first-chair trial lawyer we start pricing with Principal and The Standard, and for a lawyer whose whole book is one other specialty, with Principal, since The Standard recognizes trial work only. The other three sit beside them so the cost of the wording is visible. For a general practitioner, the partial-claim terms covered below decide more of the outcome.
Can attorneys get full-period mental and nervous coverage?
Attorneys can generally keep mental and nervous coverage for the full benefit period, because no carrier puts attorneys on its required-limitation list. Each carrier reaches full-period coverage its own way, and in California, Guardian, Principal, MassMutual, and The Standard put the 24-month limitation on every policy. The Krill study of nearly 13,000 licensed attorneys reported "28%, 19%, and 23% experiencing symptoms of depression, anxiety, and stress, respectively," which is why the election is worth reading before you sign.
| Carrier | How full-period coverage is reached | Where the 24-month limitation is required |
|---|---|---|
| No limitation by default at an attorney's class. A 12- or 24-month limitation can be elected for a discount | Every California policy |
| Full coverage by default. A 24-month rider worth up to a 10% discount can be elected and cannot be removed later | California and New York, all cases, and Florida single-life cases. The rider is not sold in Vermont |
| 24 months built in. The Maximum Benefit Period Endorsement removes it for about 14% more premium | The endorsement is not sold in California |
| Full benefit period or 24 months at 6A on the noncancelable DInamic Cornerstone, with a 10% discount for the limitation | Guaranteed renewable policies at every class. California runs on a separate Ameritas product |
| Optional at 5A, with a 10% discount for electing the limitation | Every California policy |
| Not available. Mental and nervous disorders are excluded on the certificate | Applies everywhere the certificate is written |
The limitation and an exclusion are different provisions. The limitation caps every mental health claim on the policy and is set by contract and occupation, while an exclusion comes from your own underwriting and removes a named condition. Mental and nervous conditions were about 43% of the exclusions carriers attached across Seaworthy's placed book (2026 audit), so for an attorney with a treatment history, the underwriting decision can matter more than the election. MassMutual's specimen also carves dementia from stroke, trauma, or infection out of its mental disorder definition, and Ameritas's Cornerstone form does the same for Alzheimer's and other neurocognitive disorders, which keeps those claims on the ordinary sickness terms. The state-by-state detail is on our mental and nervous limitations page.
How does each carrier document an associate's pay and a partner's draw?
Every carrier sizes the benefit to earned income as reported for tax, and what changes between an associate and an equity partner is which documents prove it and whether an owner allowance applies. An associate is a W-2 employee, so salary and a bonus with enough history count. An equity partner's earned income arrives as draws and the share of firm profit on the K-1, with no W-2 behind it, and the carriers read it from the partnership return.
| Carrier | Associate on a W-2 | Equity partner or owner | Owner allowance |
|---|---|---|---|
| Application only up to $10,000 a month. One year of documents above that, two when pay is commission or production based | 1040 with all schedules and the 1065. One year from $5,001, two years above $10,000 | Business Owner Advantage, earned income times 1.20, up to $2,000 a month above normal limits |
| None up to $10,000 a month through age 50 unless ordered for cause | Nonpassive partnership income from Schedule E. Partners use the individual-pay limits only | Up to 20% of expense-absorbed income added back for a 20% owner working 30 or more hours |
| None up to $10,000 a month on the Express path through age 50 | K-1 ordinary income plus guaranteed payments, with the 1065 and 1040 | Business Owner Benefit Increase, earned income raised 20% for a 20% owner, worth up to $2,500 a month |
| None up to $10,000 a month through age 50. A W-2 or pay stub to $15,000 | Nothing up to $6,000 a month. The complete 1040 above it | Business Owner Income Enhancer, insurable income times 1.20 for a 20% owner of two years |
| None up to $10,000 a month under simplified underwriting through age 50 ($6,000 in California) | The 1040, or the 1065 with the K-1. Two years of returns before bonus counts | A 10% Business Owner Discount for a 20% owner with one W-2 employee and two successful years |
Consider an illustrative equity partner with $400,000 of K-1 earned income and no W-2. Under an owner allowance that raises earned income by 20%, the carrier reads $480,000, which moves the offer from between the roughly $15,000 a month the income tables allow at $350,000 and the $18,000 at $500,000 toward the upper figure, within the class ceiling. Principal and Ameritas average a partner's swinging share over three years, so a strong single year counts for less than it feels like it should. Capital gains and other passive income are excluded at all five, and Principal, MassMutual, and Ameritas reduce the benefit when unearned income passes half of earned income.
Guardian counts an associate's bonus once it has been paid in two consecutive years at the same firm, MassMutual credits 75% of a single year on record, and The Standard waits for two years of returns, so a lateral move resets the clock at Guardian. Each carrier's bonus rule is tabled on the attorney carrier comparison, and the variable-pay principles behind them are on our compensation-sizing guide.
How does firm group LTD change what an attorney can buy?
Firm group long-term disability reduces the individual benefit an attorney can buy at every carrier outside Guardian's new-professional limit, and each carrier counts it a little differently. When the firm pays for the group plan, its benefit is taxable to you, so the carriers that discount it before subtracting are recognizing that a taxable dollar of group benefit is worth less than a tax-free dollar from a policy you pay for yourself.
| Carrier | How employer-paid group LTD is counted | Combined ceiling with group LTD |
|---|---|---|
| Discounted 30% and subtracted when you pay for the individual policy. Subtracted in full when you pay for both | $35,000 a month, or $42,000 when every group benefit is taxable |
| Multiplied by 0.70 and subtracted from its group-supplement table, usable when LTD is in force or due within three years | $35,000 a month |
| Discounted 30% when considering an employee-paid individual policy | $40,000 a month at 5A |
| Discounted 30% when the plan is employer-paid and integrated with Social Security. No discount for partners, sole proprietors, or most LLC owners | $35,000 a month |
| The individual policy is sized off the gap left by the employer-paid plan, within its own income limits | $35,000 a month at 5A |
| Written as excess above group and individual coverage | All benefits capped at 65% of earned income by endorsement |
The firm plan itself typically caps the benefit at $10,000 to $15,000 a month, figures it on base salary only, switches from an own-occupation test to an any-occupation test after about two years, and reduces its payment by any Social Security disability award. Under IRS Pub 525, a benefit from a plan the firm pays for is taxable to you, while a benefit from an individually owned policy paid with after-tax dollars is generally received tax-free. As an illustration, a $15,000 taxable group benefit nets about $9,000 to $10,500 after a combined federal and state rate of 30 to 40 percent, the range a high earner commonly faces. Tax treatment depends on who pays the premium and how, so confirm yours with a tax professional. The plan also ends when you leave the firm, which for a lateral partner means a new application at an older age.
In the Seaworthy 2026 High Earner AI and Income Protection Survey (n=1,028 employed adults in $100,000-plus households, September 2026), 53% of respondents had employer coverage only. Among the 546 respondents with employer coverage who earn bonus, commission, or other variable pay, 26% believed the employer plan replaced that pay and another 15% did not know. The group versus individual comparison walks through each gap, and the business and finance professionals hub covers the same layering for executives and CPAs.
For 5A and 4A professionals with income near $800,000 or above, MassMutual's Executive Select program reaches roughly half of income when group LTD sits beneath it and about a quarter when it does not, to $60,000 a month at most, and it is not offered in California, Florida, or Puerto Rico. A partner who has reached The Standard's limit on Platinum Advantage can add Lloyd's of London coverage above it with the Standard policy left whole, and Lloyd's is also where we take a file the five majors decline.
How are government and public-sector attorneys underwritten?
A government attorney's disability retirement benefit is generally counted against individual coverage much like a group LTD plan. Guardian, Ameritas, and The Standard impute a larger benefit for state and local service than for federal service, MassMutual cuts its limits by the same 40% of wage for both after a federal attorney's first 18 months, and Principal has no separate rule on file. A federal prosecutor, an agency lawyer, or a state public defender therefore often starts from a lower individual limit than a private-firm lawyer on the same salary.
| Carrier | Federal attorney (FERS) | State or local attorney (PERS or SERS) |
|---|---|---|
| Treated as a 40% group LTD benefit capped at $12,000 a month, discounted like an employer-paid plan | Treated as a 60% group LTD benefit capped at $12,000 a month. Required after three years of government service |
| No restriction in the first 18 months of service. After that, limits are reduced by 40% of monthly wage | Limits reduced by 40% of monthly wage at every length of service |
| Assumes a 40% taxable group benefit, for applicants 55 and under at class 3A or above | Assumes a 60% taxable group benefit |
| Treated as employer-paid group LTD of 40% of salary, to a $15,000 maximum | Assumes 60% to a $15,000 maximum unless the benefits booklet shows otherwise. Its multi-life discount is not offered |
| No separate rule on file | No separate rule on file |
Because these benefits are commonly taxable and carry their own disability definitions, an individual policy sits on top of them rather than in place of them, and the imputed amount decides how much room is left. A government lawyer moving to private practice loses the public benefit on the way out, which is one more reason to apply for the individual policy while still in public service, when the issue age is younger and the health record shorter. A judge advocate on active duty is a separate case, since in our experience MassMutual is the only major carrier that writes active-duty service members, through its program for military physicians, dentists, and attorneys, with a 25% discount for military attorneys.
What does disability insurance cost an attorney?
An attorney at 35 buying $10,000 a month with a 180-day elimination period sees a five-carrier spread of $125 to $210 a month as a man and $210 to $340 as a woman in Seaworthy's 2026 quote study, and a real quote changes with health history, state, and any discount. The table uses the attorney classes from the first table, Guardian at 6, Principal at 6A+, MassMutual at 5A/5, Ameritas at 6A, and The Standard at 5A. Every cell spans the five carriers low to high and prices a policy carrying true own-occupation, a residual rider, the free benefit-increase riders, and a to-65 benefit period, with no employer or association discount taken.
| Profile | Monthly benefit | 180-day wait | 180-day wait + inflation protection | 90-day wait + inflation protection |
|---|---|---|---|---|
| Male, 30 | $10,000 | $110–$180 | $135–$220 | $180–$260 |
| Female, 30 | $10,000 | $180–$310 | $220–$390 | $310–$460 |
| Male, 35 | $10,000 | $125–$210 | $155–$240 | $210–$285 |
| Female, 35 | $10,000 | $210–$340 | $250–$415 | $370–$490 |
| Male, 45 | $10,000 | $170–$315 | $195–$345 | $255–$385 |
| Female, 45 | $10,000 | $260–$435 | $295–$505 | $425–$590 |
Lowest to highest carrier, monthly, 2026 prices, Texas basis, with the 5% electronic-application discount at the carriers that offer one. Figures include residual coverage, the no-cost increase riders, and the own-occupation rider at carriers that sell one separately. They exclude the catastrophic disability rider, and inflation protection appears only where a column says so.
Start with the 35-year-old rows. Adding inflation protection to the 180-day design lifts the man to $155 to $240 and the woman to $250 to $415, and a 90-day wait with inflation protection runs $210 to $285 for him and $370 to $490 for her. Bought at 30 the plain 180-day design costs $110 to $180 for a man and $180 to $310 for a woman, and bought at 45 it costs $170 to $315 and $260 to $435. A $15,000 benefit at 35 runs $190 to $310 for the man and $315 to $505 for the woman, and $5,000 runs $60 to $110 and $105 to $170.
Behind the table are illustrations our team ran for each carrier in August and October 2026, covering six issue ages from 28 to 60 and monthly benefits of $5,000 through $25,000. The age-30 rows sit between illustrated ages by interpolation, the women's rows scale each carrier's men's premium by the female-to-male ratio that carrier priced at that age, and each 180-day figure is the carrier's 90-day premium reduced by its own measured 180-day factor. Texas requires no mental and nervous limitation for an attorney, so none is priced in, and the MassMutual figures carry the endorsement that removes its standard 24-month cap. The Standard's 20% Preferred Occupation Discount for attorneys is not applied, and association and multi-life discounts at the other carriers are not either, so an eligible attorney's real quote can sit below these ranges. These prices also leave out the catastrophic rider and include the 5% electronic-application discount where a carrier offers one, so they run below the fully loaded August attorney cut on our carrier comparison page.
The study also measured what changes an attorney's price. Over all the occupations in the study, a year's delay in buying raised the male premium by about 3 to 4 percent on average at $10,000 a month with inflation protection. A California policy cost roughly 8 to 47 percent more than the Texas one, varying by carrier, class, and age, and a New York policy anywhere from the Texas price to about 15 percent more. Moving from a 90-day to a 180-day elimination period cut the premium by about 5 to 7 percent at one carrier and as much as 20 to 30 percent at two others, with the remaining two near 12 and 15 percent. Just over half of the survey's respondents (53%) expected their savings to run out within six months of losing their income, and 82% of the policies in Seaworthy's placed book use a 90-day elimination period (2026 audit), so we set the wait per file from the cash a lawyer keeps in reserve.
Can a law student or new associate buy coverage before an income history?
Each of the five carriers we place will issue a fixed benefit to a law student or first-year lawyer with no earnings record, from $2,000 a month in the final year of law school to $6,000 in the first two years of practice. The law-school limits differ from the computer science programs on our software engineer page and from the medical programs.
| Carrier | New attorney | Law student | Conditions |
|---|---|---|---|
| $4,000 a month, with a $12,000 future increase option | Included from 12 months before graduation | Through the first two years of practice, no proof of income, group LTD disregarded |
| $6,000 a month in the first two years | $3,000 in the senior year | Available from 180 days before graduation. Group LTD counts against the limit |
| $4,000 a month within two years after graduation | $3,000 for a senior law student, classed 6A | A future increase option of up to three times the base for new attorneys |
| $4,000 a month in the first two years of practice | $2,000 in the third or fourth year | Offset by other coverage in force or applied for |
| $4,000 a month new in practice | $2,000 in the final year | No income documents unless eligible for group LTD. Offset by other coverage |
A first-year associate at a large firm may qualify for more on a signed offer than these limits allow. Guardian considers an employment contract that starts within six months of issue, and MassMutual can use the new salary from a signed contract up to 180 days before the start date, subject to underwriting review and an offset for group LTD. Policies in Seaworthy's placed book were issued at a median age of 36 (2026 audit), ten years older than a 26-year-old associate, and a future increase option added at issue raises the benefit toward partner income later on financial evidence alone.
How does residual coverage work when a lawyer's hours drop?
Residual disability pays a share of the benefit in proportion to lost income when a condition trims billable hours, travel, or caseload without ending the practice, which fits how a legal income tracks the hours a lawyer can bill. The riders Seaworthy quotes start at a 15% income loss at Guardian, Principal, MassMutual, and Ameritas and 20% at The Standard, pay at least half the benefit early in a claim, pay in full once the loss passes 75% (80% at The Standard), and continue after a return to full hours while the loss persists. None requires a period of total disability first. How each contract measures prior earnings, which matters to a partner whose share swings year to year, is tabled carrier by carrier on the software engineer page and quoted clause by clause in the contract-language library.
More than 95% of the policies in Seaworthy's placed book carry a residual rider (2026 audit). Our residual disability benefits guide walks through the formula and the group and association plans that pay a partial benefit only after a period of total disability.
When should an attorney apply, and what does underwriting weigh?
An attorney gets the broadest terms by applying while the health record is thin, ideally as an associate. Carriers attached an exclusion or rating to about 34% of the policies held by professionals outside medicine, dentistry, and nursing in Seaworthy's placed book, a group that includes attorneys, against about 28% across the whole book (2026 audit). Those exclusions and ratings are set by the carrier's underwriters under rules that do not change with the broker, and across the whole book mental and nervous conditions were about 43% of the exclusions, ahead of back, neck, and other musculoskeletal conditions. The State of Disability Underwriting research has the breakdown, and our exclusions page covers how they are applied and removed.
A first-offer exclusion can often be reopened. We have seen one carrier exclude a history another carrier accepted without a rider, and we commonly get an exclusion reviewed again around two years after issue once the record has stayed clean. Loss of a law license by itself is not a disability under the forms we place, a point Ameritas's DInamic Cornerstone (form ICC21 4601NC) puts plainly, "this loss of your professional or occupational license or certification by itself does not constitute a disability," while a license lost because of a disabling condition leaves the claim to turn on that condition.
What about the firm's own costs if a partner is disabled?
An owner of a firm has a second exposure, because when a partner's income stops, the firm's rent, payroll, and lease payments do not. Business overhead expense coverage reimburses those fixed costs while you are disabled, sized to actual expenses rather than income, and Ameritas writes the highest overhead limit of the carriers we place, at $100,000 a month on a 12-month benefit period. Partners with co-owners or firm debt can also look at buy-sell disability funding and key-person coverage, and the business owner guide sets out the full structure.
How does Seaworthy compare carriers for an attorney?
Seaworthy runs every attorney's file at Guardian, Principal, MassMutual, Ameritas, and The Standard and weighs the definition and any specialty wording first, then the mental and nervous terms, the residual rider, how each carrier reads the partner draw or bonus history, and price. For a trial lawyer we price Principal and The Standard first, for another narrow specialist Principal, with the rest beside them, and for a partner we build the file around the K-1s and the owner allowance before any carrier sees it.
The legal group in our 2026 survey was small, 34 respondents, so its figures are directional. Of those legal respondents, 29% would go to an AI assistant before anyone else when facing a big financial choice, and 44% said an AI assistant's insurance answer earns as much trust as an agent's, or more. For a lawyer who begins a search inside an assistant, the Seaworthy app in ChatGPT and the Seaworthy agent in Microsoft 365 Copilot return an estimated premium range on the spot, and any quote request made there is routed to one of our licensed advisors.
The class, income, and limit rules on this page were read from the five carriers' mid-2026 underwriting and occupation guidelines, the contract wording from the specimen forms in our files, and the prices from the August 2026 illustration run of 442 quotes and the roughly 360 October runs that extended it. To compare the five on your own facts, start with an attorney quote comparison.