PolicyGenius is an online marketplace that matches consumers with long-term disability insurance policies. The application takes all of five minutes, and it lets consumers pick their choice of elimination periods, maximum monthly benefits (up to 60% of the applicant's income), and benefit period. It also asks for information on age, occupation, and health, and returns a price range. This range can be adjusted to fit consumers' budgets by changing the benefits, as well as adding or eliminating available riders. Ultimately, the final benefit offer and price will depend on the insurance company selected. But the application's ease of use appears to take much of the hassle out of shopping for insurance.

When applicants search for rates on PolicyGenius, own occupation, residual disability, non-cancelable, and future purchase option riders are included in the cost. These are three benefits that experts recommend policyholders should always look for. However, applicants are allowed to opt-out of these features, which may change results and premium costs. Other riders may be available directly through the selected insurance company.

PolicyGenius is a marketplace insurance agency; that is, it sells insurance, but the individual policies are underwritten and issued by one of the insurance carriers they represent. As such, PolicyGenius' financial strength should not be a relevant factor when deciding whether or not to opt for their services. It's worth noting that they only work with A-rated carriers.

PolicyGenius is accredited by the BBB and has an A+ rating, with only two negative reviews and one customer complaint, which seem to revolve around grievances that are most directly related to the insurance company. On Trustpilot, PolicyGenius has an almost-perfect 9.8 rating, with customer feedback praising how easy it is to find a policy through them.