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Frequently Asked Questions

Breeze FAQs

Insurance shouldn't be confusing. Check out our answers to the most frequently asked questions we hear at Breeze below.

Don't see an answer to your question? Our licensed customer success team is ready to help. Email us at [email protected] or call (402) 256-5230. And remember — there's no such thing as a dumb insurance question.
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Our application process is completely online — no need for meetings or long phone calls. Simply get a quote, select an option that looks good, and complete the application. If you have any questions while filling out the application, give us a call at (402) 256-5230.
Underwriting is the process of the insurance company gathering and considering information about you to determine whether they are able to insure you and how much the premium is going to be.
Some applications can be approved immediately. Otherwise, it can take anywhere from a few days up to a couple of weeks. It will vary depending on each individual’s application.
Most of our applicants do not require an exam to get approved. However, you may be asked to complete one. The underwriter will order your exam and have to do is set the date and time to do it. Usually, it’s a quick 20-minute appointment (that you do not have to pay for). An examiner will meet you at your home or at their office location, ask you a few questions, take your height, weight, blood, and urine samples.
For security reasons, there's a lock feature in the application that prevents you from changing anything on your own. Depending on the changes you'd like to make, you can either submit the application as is, and then follow up with an email outlining what changes need to be made, or we can delete the application and you can start over. You can email us at [email protected], or call (402) 256-5230.
In order to submit your application, we require that you put a credit card on file. This helps us confirm you are who you say you are. You will not be charged unless you accept an offer for coverage and your plan is issued. Breeze is committed to full pricing transparency. There are no hidden fees, period.
Yes, you can. For security reasons, we do not store your payment information here at Breeze, so you would need to contact our carrier company directly to change your method of payment. Please reach out to us and we will provide you with specific instructions.
You can change benefits up until the policy contract is issued and finalized. After you’ve accepted and activated the contract, you have 30 days to request changes to your contract. If you would like to change your coverage after 30 days, we would need you to re-apply in order to replace your existing plan. This is not required if you are only seeking to reduce your benefit amount or benefit period, or increase your elimination period.
Yes, you can withdraw your application during underwriting by simply letting us know you no longer wish to proceed. You can also cancel your in-force policy without fees or penalties by submitting a filled-out surrender request form. To get the form, please email, text, or call us.
After your application is signed and submitted, our underwriter will review your information. If the underwriter deems it necessary, a telephone interview, a paramedical exam, and/or medical records could be ordered. Once all of the information is gathered, the underwriter will make a decision. Your application can be approved, approved with some adjustments, or declined. We will be in touch with you regarding any requirements along the way!
Individual disability policies are individually underwritten, which means your individual medical history is considered. To get more information about the current state of your medical conditions, our underwriter may request medical records from your physician(s).
We will contact you via email, text, and/or phone. Please feel free to let us know which you would prefer.
Your coverage goes into force once your application has been approved, a policy contract has been sent to you for review, and the first premium has been charged to your card.
Not unless you want to! Breeze’s Customer Success team is here for you: our licensed disability and critical illness insurance experts are ready to discuss your needs from 8:30 am to 5 pm CST and are just one phone call away at (402) 256-5230. They do not work on commission, so you can be sure they have your best interest at heart.

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