The top-rated disability insurance agent in Phoenix, Arizona is Phoenix Health Insurance, rated 5.0 stars across 601 reviews. Other highly rated options include Arizona Preferred Insurance, Southland Insurance Services, Guillermo Morales - State Farm Insurance Agent. This directory lists 28 disability insurance agents serving Phoenix.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Phoenix Health Insurance | 20823 N Cave Creek Rd Building B Suite 101 | (623) 516-8300 |
| 2 | Arizona Preferred Insurance | 1940 E Camelback Rd # 204 | (602) 266-0020 |
| 3 | Southland Insurance Services | 3030 N Central Ave suite 1000 | (623) 259-4100 |
| 4 | Guillermo Morales - State Farm Insurance Agent | 9130 W Thomas Rd Suite 108 | (623) 247-9161 |
| 5 | AZ Health Insurance Agents | 2925 W Donatello Dr | (602) 806-7918 |
| 6 | 1099 Health Insurance Solutions | 2020 N Central Ave # 1050 | (602) 612-8943 |
| 7 | AZ Health Insurance Brokers | 11225 N 28th Dr B246 | (602) 617-4107 |
| 8 | Xpress Insurance Services | 2011 W Bethany Home Rd | (623) 715-5737 |
| 9 | Independence Insurance Group PLLC | 10210 N 32nd St c213 | (480) 656-1036 |
| 10 | AZ Medicare Guide LLC | 23555 N Desert Peak Pkwy Suite 314 | (480) 231-6989 |
Phoenix Health Insurance serves clients in the Phoenix metropolitan area and throughout Maricopa County, offering services as a disability insurance agent. It helps individuals and business owners navigate the complex process of securing income protection solutions tailored to their unique employment situations and financial needs. Agents review existing coverage gaps, guide applicants through medical underwriting requirements, and assist with filing claims when needed. The company regularly handles both short-term disability policies for temporary leave and long-term disability plans for extended loss of income.
Arizona Preferred Insurance in Phoenix, Arizona, provides disability insurance agent services, including guidance on policy selection and claims assistance. It offers maintenance plans that involve periodic policy reviews to ensure coverage remains aligned with changing needs. The agent helps clients understand benefit structures and waiting periods, facilitating informed decision-making for income protection. Its services address single-family homes, apartments, retail establishments, and restaurants seeking disability coverage for their stakeholders.
Southland Insurance Services serves clients in Phoenix, Arizona, and the surrounding communities throughout Maricopa County. The company handles disability insurance policies designed to protect an individual’s income if they become unable to work due to illness or injury. It works with both short-term and long-term coverage options to meet different occupational needs and financial situations. To handle a typical case, the agent first reviews a client’s occupation and monthly earnings, then compares plans from multiple carriers to secure a suitable monthly benefit.
Serving homeowners, renters, and small business owners, Guillermo Morales - State Farm Insurance Agent provides disability insurance coverage in Phoenix, Arizona. The agency helps clients protect their income by offering policies that replace lost earnings due to illness or injury. Individual plans are tailored to suit different professional and personal needs. The agency also serves customers in the neighboring city of Glendale and throughout the greater Phoenix metro area.
For routine needs, clients choose a single consultation to assess coverage, while those requiring ongoing plan modifications opt for periodic reviews. AZ Health Insurance Agents in Phoenix, Arizona, assists individuals in selecting disability insurance policies that protect income during illness or injury. Policies are tailored to replace a portion of earnings, ensuring financial stability. Coverage terms depend on client risk tolerance and budget. Service runs on a one-time, scheduled, or as-needed basis according to client preference.
1099 Health Insurance Solutions offers specialized guidance in securing disability insurance, helping clients in the Phoenix area protect their income against unexpected illness or injury. The agency works to match individuals with policies that provide financial stability during recovery. As the desert winter months bring increased risks from slips and seasonal accidents, the firm assists residents in ensuring their coverage meets those evolving needs.
During Arizona's monsoon season, when unexpected storms can disrupt daily routines, AZ Health Insurance Brokers in Phoenix helps residents secure coverage against lost income from illness or injury. As a disability insurance agent, the firm guides clients through policies that replace a portion of earnings when they cannot work. The process involves a straightforward initial consultation where the agent reviews personal employment details and risk factors to determine the most suitable coverage options before beginning the formal application.
Xpress Insurance Services provides residential disability insurance coverage to individuals in Phoenix, Arizona, helping protect their income from illness or injury. The company also offers commercial policies for local small businesses seeking employee benefits. Services cover the greater Phoenix metropolitan area and surrounding communities. Clients can schedule follow-up consultations for policy adjustments or claims assistance between regular service appointments, ensuring ongoing support as personal or business circumstances evolve.
Independence Insurance Group PLLC is known for its focused guidance on disability insurance protection for residents in Phoenix, Arizona. The firm helps clients understand and secure coverage that replaces a portion of lost income if an injury or illness prevents them from working. It assesses individual needs for both short-term and long-term policies. A specialty service it can add on is offering group disability plan consultations for local small businesses.
What Does a a Disability Insurance Agent in Phoenix Cost?
Disability insurance agents in Phoenix typically charge a fee for their services, often between 100 and 300 dollars per hour for consultation. Some agents work on a flat fee basis, ranging from 500 to 1500 dollars for a full claim review. Costs vary by the complexity of your case and the agent's experience. This is general information, not insurance advice.
About disability insurance agents in Phoenix
A disability insurance agent in Phoenix helps you navigate claims for short-term or long-term benefits. Arizona follows the Employee Retirement Income Security Act (ERISA) for employer plans, which sets strict deadlines for appeals. Local agents understand how Phoenix courts handle disability disputes and can guide you through the process.
Frequently Asked Questions
What does a disability insurance agent do in Phoenix?
An agent helps you file claims, gather medical evidence, and meet deadlines. They do not provide legal advice but can explain policy terms and Arizona-specific rules for disability benefits.
How long do I have to appeal a denied claim in Arizona?
For ERISA-governed plans, you typically have 180 days to appeal a denial. Arizona state law may also apply to non-ERISA policies. Check your policy or ask an agent for the exact time limit.
Can a disability insurance agent help with Arizona state disability benefits?
Arizona does not have a state-run short-term disability program like some states. Agents focus on private disability insurance policies or employer-sponsored plans. They can explain how Arizona law affects your coverage.
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