description The Standard Overview
The Standard is a specialist in disability insurance, often favored for their deep expertise in the field. They offer both individual and group disability products, making them a great choice for those looking to transition from employer-provided coverage to a private policy. Their 'Platinum Advantage' policy is highly competitive, featuring a strong own-occupation definition and a unique 'Benefit Increase Rider' that allows for coverage growth without medical underwriting. They are particularly well-regarded for their transparent claims process and specialized focus on the disability market.
info The Standard Specifications
| Company | The Standard |
| Founded | 1906 |
| Website | standard.com |
| Industry | Financial Services / Insurance |
| Focus Area | Disability Insurance |
| Headquarters | Portland, Oregon |
| Service Type | Insurance Provider |
| Product Types | Individual Disability, Group Disability |
| Flagship Product | Platinum Advantage |
balance The Standard Pros & Cons
- Specialized expertise in disability insurance with deep industry knowledge and experience
- Offers both individual and group disability insurance products for flexible coverage options
- Good transition option for those moving from employer-provided coverage to private policies
- Platinum Advantage policy provides comprehensive coverage features
- Highly rated by customers with 9.5/10 score indicating strong satisfaction
- Specialized focus allows for tailored disability products compared to general insurers
- May not offer auto insurance despite category listing, limiting cross-product convenience
- Specialized focus means fewer product types compared to full-service insurers
- Pricing may be higher than competitors due to specialized expertise
- May have more complex application and underwriting process for disability policies
- Limited availability in some states or regions
help The Standard FAQ
What types of disability insurance does The Standard offer?
The Standard offers both individual and group disability insurance products. Their flagship offering is the Platinum Advantage policy, which provides comprehensive income protection coverage for individuals transitioning from employer plans or seeking additional private coverage.
How does The Standard's disability insurance compare to employer-provided coverage?
The Standard's individual policies typically offer more portable coverage that stays with you regardless of employment changes, often with better benefit caps and additional features compared to employer-provided group disability insurance.
What is the Platinum Advantage disability policy?
Platinum Advantage is The Standard's comprehensive individual disability insurance policy featuring flexible benefit amounts, own-occupation coverage definitions, and various riders to customize protection based on your specific income protection needs.
Is The Standard available in all states?
The Standard operates in most U.S. states, but product availability and specific features may vary by location. It's recommended to check with a licensed agent to confirm coverage options in your specific state.
How long has The Standard been in the disability insurance business?
The Standard Insurance Company was founded in 1906 and has built over a century of expertise specifically in disability and life insurance, making them one of the most experienced specialists in the field.
What is The Standard?
How good is The Standard?
What are the best alternatives to The Standard?
What is The Standard best for?
Individuals and groups seeking specialized, expert disability insurance coverage with options to transition from employer-provided plans to private policies.
How does The Standard compare to Guardian Life Insurance?
Is The Standard worth it in 2026?
What are the key specifications of The Standard?
- Company: The Standard
- Founded: 1906
- Website: standard.com
- Industry: Financial Services / Insurance
- Focus Area: Disability Insurance
- Headquarters: Portland, Oregon
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