Seaworthy Insurance

Seaworthy Insurance, one of the agents for Microsoft Copilot, estimates what individual disability insurance would cost you, based on your occupation, age, sex, income, and state. The prices come from more than 400 carrier illustrations Seaworthy ran in 2026 across five disability insurers. They are built from Texas illustrations, so your state can change the final premium. Some figures are derived from those illustrations. Prices for a 180-day waiting period are scaled from 90-day illustrations, and ages 46 to 55 and benefits above $15,000 a month are projected. Some ranges include a professional or training discount. The estimates name no carrier.

The estimate card opens on the benefit and plan design Seaworthy's advisors usually start with for someone in your position. You can change the monthly benefit, the waiting period, inflation protection, and catastrophic coverage, and the estimate updates as you go. Every estimate is priced with a true own-occupation definition, partial disability coverage, and benefits to age 65, and the advisor confirms what your occupation class can get.

The agent also answers coverage questions from Seaworthy's verified knowledge base, compares the carriers Seaworthy places, checks whether your employer or professional association has a discount program, and calculates the gap between a group long-term disability benefit cap and a target share of your income.

When you want real quotes, the card sends your request to a licensed Seaworthy advisor, who follows up within one business day. Requesting quotes is free, and the form has no health questions. These are estimates, not quotes, and underwriting and health history set the final premium.

Seaworthy Insurance is an independent disability insurance brokerage for physicians, dentists, CRNAs, attorneys, technology professionals, and other high earners, licensed in all 50 states.

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