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Find Disability Insurance Agents Near You in Apple Valley, CA

Browse disability insurance agents serving Apple Valley, California. Updated 2026-07-14.

The top-rated disability insurance agent in Apple Valley, California is AAA Apple Valley Insurance and Member Services, rated 4.3 stars across 744 reviews. Other highly rated options include Apple Valley Medicare & Financial Services, Wolken Insurance Services, KPIA - Kennedy Professional Insurance Agency. This directory lists 15 disability insurance agents serving Apple Valley.

Showing 15 disability insurance agents in Apple Valley, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA Apple Valley Insurance and Member Services19201 Bear Valley Rd Ste C(760) 247-4110
2Apple Valley Medicare & Financial Services21735 CA-18(760) 247-7990
3Wolken Insurance Services16472 Kalo Rd(760) 900-6668
4KPIA - Kennedy Professional Insurance Agency19167 Outer Hwy 18 S #1(760) 242-2345
5Richard Gonzalez: Allstate Insurance17844 CA-18(760) 242-4992
6Guy Burnett - State Farm Insurance Agent16048 Tuscola Rd Ste 2(760) 961-2000
7Les Palcsik Insurance Agency LLC19031 Outer Hwy 18 S Ste 270(760) 684-8019
8Vineyard Insurance Services22617 CA-18(760) 248-6506
9Guardado Insurance Services: Allstate Insurance20786 Bear Valley Rd Unit B(760) 240-5900
10DJ Mathews - State Farm Insurance Agent16048 Tuscola Rd #1(760) 247-8848
AA
19201 Bear Valley Rd Ste C
AAA Apple Valley Insurance and Member Services
Disability Insurance Agent · Apple Valley, CA

AAA Apple Valley Insurance and Member Services serves clients throughout San Bernardino County, including the Apple Valley area. This agency focuses on helping individuals and families secure disability income protection policies. They assist clients in understanding policy options that replace a portion of lost earnings due to illness or injury. The agency guides applicants through the underwriting process for short-term disability and long-term disability coverage.

AV
21735 CA-18
Apple Valley Medicare & Financial Services
Disability Insurance Agent · Apple Valley, CA

Apple Valley Medicare & Financial Services provides disability insurance agent services throughout the Apple Valley, CA area. It assists individuals in understanding policy options that can replace a portion of lost income if they become unable to work due to illness or injury. The company maintains relationships with clients to review coverage needs as their personal circumstances evolve. Its services apply to those who own single-family homes, occupy apartments, and operate retail stores or restaurants.

WI
16472 Kalo Rd
Wolken Insurance Services
Disability Insurance Agent · Apple Valley, CA

Homeowners, business owners, and self-employed professionals in Apple Valley, California turn to Wolken Insurance Services for disability insurance agent guidance. This agency helps clients evaluate income protection policies designed to replace lost earnings during illness or injury. Policy selections are tailored to individual occupations and financial obligations common to the High Desert region. The firm serves local customers, understanding the economic landscape of Apple Valley and nearby Victorville within San Bernardino County.

KK
19167 Outer Hwy 18 S #1
KPIA - Kennedy Professional Insurance Agency
Disability Insurance Agent · Apple Valley, CA

As a disability insurance agent in Apple Valley, CA, KPIA - Kennedy Professional Insurance Agency specializes in individual and group disability policies designed to replace lost income due to illness or injury. It guides clients through policy selection and application procedures for comprehensive coverage tailored to their income needs. The agency also assists professionals in protecting their livelihoods during recovery periods, including navigating claims for temporary or permanent disabilities caused by workplace accidents or chronic health conditions.

RG
17844 CA-18
Richard Gonzalez: Allstate Insurance
Disability Insurance Agent · Apple Valley, CA

Serving Apple Valley and the surrounding communities of the High Desert, Richard Gonzalez: Allstate Insurance handles disability insurance needs for local residents. The agency works to provide clients with policies designed to replace a portion of income if an injury or illness prevents them from working. Disability insurance agent services in this area often address both short-term and long-term coverage scenarios. To manage a typical job, the agency begins by reviewing a client’s occupation and income requirements before guiding them toward suitable coverage options from available plans.

GB
16048 Tuscola Rd Ste 2
Guy Burnett - State Farm Insurance Agent
Disability Insurance Agent · Apple Valley, CA

Guy Burnett - State Farm Insurance Agent in Apple Valley, CA, provides disability insurance coverage that protects income when an injury or illness prevents work. Clients may choose between a one‑time policy consultation or ongoing support to adjust coverage as life circumstances change. Disability insurance here helps replace a portion of lost earnings during recovery. Understanding that financial needs evolve, the firm makes its services available on a scheduled or as‑needed basis for current policyholders.

LP
19031 Outer Hwy 18 S Ste 270
Les Palcsik Insurance Agency LLC
Disability Insurance Agent · Apple Valley, CA

In Apple Valley’s unpredictable seasons, residents often worry about lost income from an unexpected injury or illness, which is where Les Palcsik Insurance Agency LLC steps in. This disability insurance agent helps local workers understand how a policy can replace wages during recovery. The agent focuses on tailoring coverage to individual job risks and monthly budgets. Typical service begins with a simple phone inspection to review current finances and health history.

VI
22617 CA-18
Vineyard Insurance Services
Disability Insurance Agent · Apple Valley, CA

Serving the Apple Valley area, Vineyard Insurance Services specializes in helping clients secure disability coverage. This work focuses on protecting personal income against unexpected illness or injury. A local firm tailors its guidance to the individual’s profession. Policies can supplement employer-provided benefits to create a stronger safety net. The agency supports professionals in commercial environments such as offices, warehouses, and food service operations.

GI
20786 Bear Valley Rd Unit B
Guardado Insurance Services: Allstate Insurance
Disability Insurance Agent · Apple Valley, CA

Guardado Insurance Services: Allstate Insurance provides disability insurance agent services for residential clients in Apple Valley, California. The agency also offers comparable commercial coverage options for local businesses, serving clients throughout the greater Apple Valley area. Their focus includes helping individuals and employers secure income protection solutions tailored to specific needs. Residents and business owners rely on this agency for ongoing support regarding their policies, often returning between regular visits to update coverage as their circumstances change.

DM
16048 Tuscola Rd #1
DJ Mathews - State Farm Insurance Agent
Disability Insurance Agent · Apple Valley, CA

DJ Mathews - State Farm Insurance Agent in Apple Valley, CA, is known for guiding individuals through the process of securing disability income protection. The agency helps clients understand how disability insurance can replace lost earnings during an unexpected illness or injury that prevents work. Services include policy explanation, coverage comparisons, and claims assistance tailored to local residents. The agency provides seamless support through State Farm network resources. A specialty service available for tech professionals includes supplemental short-term disability riders.

FI
17993 CA-18 Ste 2
Farmers Insurance - Marybel Rubio
Disability Insurance Agent · Apple Valley, CA
(760) 242-9131
agents.farmers.com/ca/apple-valley/marybel-rubio
FI
18835 CA-18 Ste 1a
Farmers Insurance - Sandra Overstreet
Disability Insurance Agent · Apple Valley, CA
(760) 242-6600
agents.farmers.com/ca/apple-valley/sandra-overstreet
CV
18355 CA-18
Crosby Victorville Insurance
Disability Insurance Agent · Apple Valley, CA
(760) 242-3200
DL
21735 US HWY 18, 21735 CA-18
Daniel Lamb Financial and Insurance Services
Disability Insurance Agent · Apple Valley, CA
(760) 953-4381
danlamb.us
RG
19181 Town Center Dr
RAY GEMME
Disability Insurance Agent · Apple Valley, CA
(760) 381-8083

What Does a a Disability Insurance Agent in Apple Valley Cost?

The cost of disability insurance in California varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old in a low-risk job, a policy paying $3,000 per month may cost $80 to $150 per month. Costs are higher for older applicants or high-risk occupations. This is general information, not insurance advice.

About disability insurance agents in Apple Valley

Disability insurance agents in Apple Valley, California help residents and workers secure income protection policies. These agents can guide you through California state disability insurance (SDI) rules and private long-term disability plans. Apple Valley is in San Bernardino County, where many residents commute to work in healthcare, logistics, and retail sectors.

Frequently Asked Questions

What does a disability insurance agent in Apple Valley do?

A disability insurance agent helps you find and apply for disability coverage. They explain policy terms, compare plans from different carriers, and assist with claims. In California, agents must be licensed by the California Department of Insurance.

How is California SDI different from private disability insurance?

California SDI is a state-run program that provides partial wage replacement for workers who pay into it. Private disability insurance is purchased from an insurance company and can offer higher benefits or longer coverage. An agent can help you understand both options.

What time limits apply to disability insurance claims in California?

For private policies, you typically must file a claim within 30 to 90 days of becoming disabled. California law requires insurers to respond to claims within 40 days. For SDI, you must file within 49 days of your disability starting.

Disability Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.