Insurance Companies–Disability Insurance

At Set for Life Insurance, we work with the top available insurance companies to get you a disability insurance policy that works best for your individual needs. We prefer that to work with companies that high ratings to ensure quality and stability.

Company A.M. Best Standard & Poor’s Moody’s Fitch Ratings Comdex
Berkshire / Guardian A++ (1) AA+ (2) Aa2 (3) AA+ (2) 98
MassMutual A++ (1) AA- (4) Aa1 (2) AA+ (2) 98
Ohio National A (3)
Principal Life A+   (2) A+(5) A1(5) AA-  (4) 89
Standard Insurance A     (3) A+ (5) A2 (6) A  (6) 78
Ameritas A     (3) A+ (5) B   (5) 81



Berkshire Life Insurance Company of America, Pittsfield, Mass. (Berkshire), is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, N.Y. Its key missions are to grow Guardian’s disability income and long-term care lines of business and to research and develop new insurance products. More information about Berkshire can be obtained at their website,



Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. Guardian and its subsidiaries protect individuals, small business owners, and their employees with life, disability, health, long-term care, and dental insurance products, and offer 401(k), annuities and other financial products and trust services. More information about Guardian can be obtained at their website,




Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a mutually owned financial protection, accumulation, and income management company headquartered in Springfield, Massachusetts. They are a provider of life insurance, disability income insurance, long-term care insurance, annuities and retirement planning products, income management and other products and services for individuals, business owners, and corporate and institutional markets. More information about MassMutual can be obtained at their website,


Principal Financial Group

Founded in 1879, the Principal Financial Group® (The Principal®) offers businesses, individuals and institutional clients a wide range of financial products and services, including retirement and investment services, life and health insurance and banking through its diverse family of financial services companies. More information about Principal Financial Group can be obtained at their website,


Standard Insurance

StanCorp Financial Group, Inc., through its subsidiaries marketed as The Standard – Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, StanCorp Investment Advisers, StanCorp Equities, StanCorp Trust Company and StanCorp Mortgage Investors – is a provider of financial products and services. StanCorp’s subsidiaries provide group and individual disability insurance, group life, AD&D and dental insurance, retirement plans products and services, individual annuities and investment advice. More information about Standard Insurance can be obtained at their website,


Union Central/Ameritas

Union Central is affiliated with the UNIFI Companies – Ameritas Life, Acacia Life, The Union Central Life Insurance Company and their affiliated companies. Through the UNIFI Companies, individuals, families and businesses can access a full range of products and services, including life insurance and annuities, disability insurance, group dental and eye care insurance, mutual funds, investments, retirement plans, banking, worksite benefits and public finance. More information about Union Central can be obtained at their website,

For contact information at each insurance company, click here.

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Joshua W., Investment Banker, New York, NY.

Set For Life Insurance’s professionals and staff are so capable and easy to work with. They truly set themselves apart!

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Getting the right disability insurance can be downright confusing. At Set For Life, we’ll help you understand the options and work with you to select just the right product for you and your family. These articles will help you understand some of the complexities involved, but we’re happy to walk you through it! If you’re ready to get set, reach out for a quote today!