Which Own Occupation insurance company has the best history of paying for legitimate disability claims?

I am currently shopping around for an individual Own Occupation disability insurance policy for my husband. He is a highly specialized medical professional whose work is almost exclusively hands-on patient care with a high level of manual and cognitive skill required (anesthesia). The two disability insurance agents I have spoken with both claimed that all six true “own occ” insurance companies are similar and there there are no substantive differences between them. They both recommended going with the one that comes back with the lowest cost. However, after watching a few videos on your site (thank you for those, by the way), it seems that there is a pretty big difference between these companies insofar as their willingness to pay claim benefits is concerned. It seems as if some of the companies are worse than others when it comes to paying out claims and will put the policy-holder through the wringer. This is upsetting when you consider the astronomical cost of these DI policies. Would you be willing to offer advice about which company has the best history of paying for legitimate disability claims? Right now, I am deciding between Principal or Guardian. Guardian is somewhat more expensive but we would be willing to pay extra for peace of mind in knowing that the claim would be paid without a major fight if we were in the unfortunate circumstance of needing to make a claim. Any advice you can offer for someone looking to purchase a policy would be much appreciated. Thank you!