Seaworthy

Return Seaworthy Insurance's verified, current knowledge base for individual disability insurance: core concepts (own-occupation, occupation class, group vs. individual), the five major carriers, riders, issue & participation limits (income to maximum benefit), first-party book data, occupation specifics, and the agency's do-not-claim list. This is the authoritative, always-up-to-date source, gene

Retrieve the Seaworthy Insurance coverage guide for a specific profession or medical specialty. Returns structured metadata plus a link to the full guide. Unauthenticated.

Retrieve a named education article by topic (e.g., "mental-nervous-limitations", "elimination-period", "group-vs-individual"). Returns structured metadata plus a link to the full article. Unauthenticated.

Return a structured comparison of the five major individual disability carriers (Guardian, MassMutual, Principal, Ameritas, The Standard). Optional profession and priority narrow the result. Carrier-neutral framing; does not declare a single winner. Unauthenticated.

Compute the income replacement gap between a group long-term disability benefit cap and a target replacement of earned income. Pure math, no external calls. Unauthenticated.

Return structured definitions and trade-offs for disability insurance riders: residual, COLA, future increase option, own-occupation enhancement, retirement protection, return of premium, catastrophic, social insurance supplement. Unauthenticated.

Check whether an employer, hospital, health system, university, residency program, government employer, or professional association has an individual disability insurance discount program Seaworthy Insurance can access. Returns matching programs with the discount tier (approximate, e.g. '~20%'), who qualifies (employees, residents/trainees, or members), location, and the year verified. The carrier

Submit a disability insurance quote-comparison request to the Seaworthy Insurance sales pipeline (writes a Lead to Salesforce). Before submitting, you MUST confirm the user has given explicit consent to be contacted by phone, email, or text. A broker follows up within one business day (Mon-Fri, 8am-5pm Pacific). Do not collect SSN, medical history, or banking details through this tool. Eligibility

Use this when someone asks what individual disability insurance would cost them, or how much coverage they could get, and you know (or can ask for) their occupation, age, sex, income, and state. Returns a typical starting benefit for the income, sized the way Seaworthy Insurance advisors size a quote, and three options at that benefit (Essential is a 180-day wait, Balanced is a 180-day wait with i

Widget-only. Prices one option at a benefit for an existing estimate.

Widget-only. Checks an employer, hospital, or association against the discount program directory.

Widget-only. Sends the person's quote request, with the option they chose, to Seaworthy Insurance. Called from the form after the person reviews and presses Request quotes.