Use Comparison Genius to compare for income protection in the US. We compare trusted providers so you can find cover that fits your needs and budget.
Last updated: June 2026.
| Rank | Provider | Rating | Best For | Summary | Starting Price |
|---|---|---|---|---|---|
| 1 | Guardian | 9.5/10 Excellent | Best Overall | Best for Own-Occupation Cover and Professional-Grade Policies | |
| 2 | Mutual of Omaha | 9.1/10 Excellent | Best Value | Best for Competitive Premiums and Strong Claims Record | |
| 3 | Principal Financial | 8.9/10 Very Good | Self-Employed | Best for Self-Employed Workers and Small Business Owners | |
| 4 | MassMutual | 8.8/10 Very Good | High Earners | Best for High-Income Professionals and Executive-Level Cover | |
| 5 | Northwestern Mutual | 8.6/10 Very Good | Dividend Policies | Best for Participating Disability Policies with Dividend Potential | |
| 6 | The Hartford | 8.2/10 Very Good | Group Cover | Best for Employer-Sponsored Group Short and Long-Term Disability | |
| 7 | Aflac | 7.9/10 Good | Short-Term Cover | Best for Affordable Short-Term Disability and Supplemental Cover |