# Breeze > Disability and supplemental health insurance, purchased entirely online\. ## At a glance | Field | Value | | --- | --- | | Category | Distribution & Sales | | Type | Solutions Provider | | Region | NA | | Headquarters | Omaha, NE, USA | | Founded | 2019 | | Stage | Growth | | Employees | 1-50 | | Funding | Series A | ## Overview Breeze is a digital insurance platform for disability and supplemental health insurance, serving individual consumers in the United States. The company was founded in 2019 to address a coverage gap -- approximately 51 million working Americans lack adequate income protection. Breeze operates as a licensed insurance agency (Modern Insurance Agency, Inc. d/b/a Breeze) and distributes policies from carriers including Principal Life Insurance Company and Assurity Life Insurance Company. The platform provides instant quoting, digital applications, and streamlined underwriting for long-term disability, short-term disability, critical illness, accident expense, and term life insurance. Consumers can complete the application process online without in-person meetings. Licensed insurance specialists are available to assist throughout the process, and independent agents can access a dedicated agent portal or embed products through a proprietary API. Breeze raised a USD 10M Series A in August 2021 -- reported at the time as the largest first institutional round by a Nebraska-based software startup. Investors include Link Ventures, Northwestern Mutual Future Ventures, Silicon Valley Bank, M25, Fiat Ventures, and Invest Nebraska. The company has received multiple consumer awards, including recognition from Investopedia, The Balance, and CNBC Select. ## Products & services ### Long\-Term Disability Insurance Monthly income replacement benefits that can begin in as few as 30 days and continue until retirement age for qualifying disabilities. Coverage replaces up to 60% of regular income; policies are renewable until age 67. Offered through Principal Life Insurance Company. **Key features:** - Instant online quote in seconds - Digital application with streamlined underwriting - Policies renewable to age 67 - Benefit periods up to retirement age *Target users:* Freelancers, self\-employed workers, employees without employer\-sponsored coverage ### Short\-Term Disability Insurance Weekly income benefits for temporary disabilities, with benefits available from day one and lasting up to two years. Added to the platform in 2022. **Key features:** - Benefits can begin immediately - Benefit periods up to 2 years - Digital application process *Target users:* Workers seeking short\-term income protection ### Critical Illness Insurance Lump-sum benefit payments up to USD 75,000 upon diagnosis of qualifying conditions including cancer, heart attack, and stroke. **Key features:** - Direct cash payment to policyholder - Covers cancer, heart attack, stroke, and other specified conditions - Benefit up to USD 75,000 *Target users:* Individuals seeking supplemental financial protection against serious illness ### Accident Expense Insurance Cash benefits for out-of-pocket expenses not fully covered by major medical insurance. Guaranteed issue coverage available with no medical underwriting. **Key features:** - Guaranteed issue availability - Cash benefits paid directly to policyholder - Supplements existing health coverage *Target users:* Consumers seeking supplemental accident coverage ### Term Life Insurance Straightforward term life insurance paying a lump sum to designated beneficiaries. Premiums start at approximately USD 10 per month. **Key features:** - Competitive online pricing - Simple digital application *Target users:* Individuals seeking affordable term life coverage ### Group / Employer\-Sponsored Disability Insurance Disability insurance products for employers to offer as part of employee benefits packages, focused on income protection as a recruitment and retention benefit. **Key features:** - Employer\-sponsored group plans - Streamlined employer onboarding - Supports employee recruitment and retention *Target users:* Employers, HR departments ### Agent Portal and API Independent agents and distributors can quote and bind Principal disability insurance through Breeze's agent portal, or embed products into their own digital platforms via a proprietary REST API. **Key features:** - Agent dashboard for quoting and binding - Proprietary REST API for native digital integration - Enables comparison quoting across multiple carriers *Target users:* Independent insurance agents, brokers, digital distribution platforms ## Category & focus - Subcategories: Digital Insurance Storefront, Quote\-to\-Bind, Embedded Insurance API - Insurance verticals: Life & Annuity, Group Benefits, Specialty/E&S - Target customers: Consumers, Agents/Agencies, Employers ## Notable customers - Principal Life Insurance Company \(underwriting partner\) - Assurity Life Insurance Company \(underwriting partner\) - Assurity Life Insurance Company of New York \(underwriting partner\) - Appalachian Underwriters \(distribution partner\) - MassMutual, Ameritas, Guardian, The Standard, Illinois Mutual \(comparison carriers\) ## Links - Website: - Directory profile: - Blog: - About: - Careers: - Twitter: - Linkedin: --- *Last updated: 2026\-05\-11*