The top-rated disability insurance agent in Bakersfield, California is Dreamers Multi Services Insurance Agency, rated 4.9 stars across 249 reviews. Other highly rated options include Omni Safe Insurance Bakersfield, Dugan Insurance Services Inc., Saber Insurance Agency. This directory lists 20 disability insurance agents serving Bakersfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dreamers Multi Services Insurance Agency | 308 H St | (661) 489-3555 |
| 2 | Omni Safe Insurance Bakersfield | 3401 Pacheco Rd suite i | (661) 381-2200 |
| 3 | Dugan Insurance Services Inc. | 15007 Oakencroft Dr | (661) 343-5414 |
| 4 | Saber Insurance Agency | 8120 Rosedale Hwy Suite 100 | (661) 365-0100 |
| 5 | InsureOne Insurance | 2100 F St | (661) 430-2004 |
| 6 | NavSav Insurance - Bakersfield | 525 H St | (661) 322-1888 |
| 7 | Fallgatter Rhodes Insurance Services | 1701 G St | (661) 324-2424 |
| 8 | Crosby and Crosby Insurance Services | 111 H St | (661) 327-5531 |
| 9 | MCA Insurance Services | 1400 Easton Dr STE 132 | (661) 833-0300 |
| 10 | Denesha Insurance Agency | 2029 21st St | (661) 397-0041 |
Dreamers Multi Services Insurance Agency provides comprehensive disability insurance options for individuals and families in the Bakersfield area. The agency assists clients in understanding policy coverage, filing claims, and reviewing benefit terms. It offers routine policy check-ins and plan updates to ensure continued protection as personal circumstances change. Maintenance services include guiding clients through renewals and coordinating with insurance carriers to adjust coverage as needed. The agency handles policies for single-family homes, apartments, retail, and restaurants.
Omni Safe Insurance Bakersfield serves the Bakersfield, California metro area and surrounding Kern County as a disability insurance agent. The firm guides local residents and professionals through the process of securing income protection plans. These policies are designed to replace a portion of lost earnings if an illness or injury prevents the policyholder from working. The company helps clients understand the differences between short-term and long-term disability coverage. It specifically handles initial policy consultations and ongoing claims assistance for disability insurance.
Dugan Insurance Services Inc. serves Bakersfield, California and the surrounding Kern County communities as a disability insurance agent. The company handles applications for individual and employer-sponsored disability income policies. Navigating the underwriting process for these policies requires careful attention to medical history and occupation details. To address a typical client scenario, the agency methodically reviews each applicant’s income documentation and job duties to align coverage with the appropriate policy provisions.
Clients seeking disability insurance through Saber Insurance Agency in Bakersfield, CA, may choose between one-time policy purchases and recurring service arrangements that include ongoing plan reviews. The agency helps individuals and local businesses secure coverage that replaces a portion of lost income if illness or injury prevents work. Navigating California’s disability insurance landscape, the agent explains benefit periods, elimination periods, and policy definitions specific to various professions. Service for existing clients runs on an as-needed basis, with agents available to adjust coverage when life circumstances or employment change.
Specializing in disability insurance policies, InsureOne Insurance serves clients in Bakersfield, California, helping them secure income protection for unexpected medical conditions. The agency works with individuals to select appropriate coverage that replaces lost wages during recovery periods. It also assists local families in understanding policy terms and filing claims when necessary. With rising seasonal accident risks from outdoor work in the Central Valley, the agency helps new employees initiate coverage before starting high-risk summer jobs.
NavSav Insurance in Bakersfield assists homeowners, renters, and small business owners with securing disability insurance coverage to protect their income in case of illness or injury. The agency explains policy options clearly, helping clients find plans that match their personal or professional needs. It serves the greater Bakersfield metro area, including nearby communities such as Oildale and Rosedale.
As Bakersfield residents prepare for changing health needs or seasonal shifts in employment, securing income protection becomes a priority for many local families and workers. Fallgatter Rhodes Insurance Services operates in Bakersfield, CA, to help individuals and small-business owners understand their disability insurance options. The company provides typical agent support, including comparing policies and explaining benefit terms. To begin, a representative reviews current coverage and discusses potential income gaps during a free initial assessment, which identifies personal risk factors before any recommendations are made.
Crosby and Crosby Insurance Services operates as a disability insurance agent in Bakersfield, California, providing coverage designed to replace a portion of income if an illness or injury prevents a person from working. It focuses on helping local residents protect their financial stability by specializing in policies that address the specific risks common to the region's economy. These clients include employees in offices, warehouses, and food service operations, where safeguarding earnings during recovery from workplace or off-the-job incidents is essential.
MCA Insurance Services in Bakersfield, CA, assists residents in the area with securing individual disability income policies to protect their personal finances. The agency also serves local commercial clients, helping them arrange group disability coverage for their employees. Whether working with families or business owners, the company aims to provide clear guidance on policy options. After an initial policy is in place, the agent typically follows up with clients to review coverage and make adjustments during regular visits.
Denesha Insurance Agency is known for guiding Bakersfield residents through the often complex process of securing disability insurance coverage. It serves the local community by assessing individual financial needs and matching clients with suitable long-term and short-term policies. The agency provides clear explanations of benefit terms and elimination periods to help individuals understand their coverage options. Its specialists also assist with the claim filing process to reduce administrative burdens. For clients seeking comprehensive protection, the agency can add on critical illness insurance policies that provide lump-sum payments upon diagnosis of specific conditions.
What Does a a Disability Insurance Agent in Bakersfield Cost?
Disability insurance agent services in California are typically paid through commissions from the insurance company, so there is no direct cost to you for policy purchase. Policy premiums vary widely based on age, health, occupation, and benefit amount. For example, a 40 year old in a moderate risk job might pay between 100 and 300 dollars per month for a policy with a 2000 dollar monthly benefit. Costs can be higher for high risk occupations or older applicants. This is general information, not insurance advice.
About disability insurance agents in Bakersfield
A disability insurance agent in Bakersfield California can help you understand your policy options and file claims. California has specific laws such as the California Insurance Code that regulate disability insurance policies. Agents in Bakersfield are familiar with local medical providers and can guide you through the process of securing income protection.
Frequently Asked Questions
What does a disability insurance agent in Bakersfield do?
A disability insurance agent helps you select a policy that fits your needs and assists with claim filing. They explain policy terms including elimination periods and benefit amounts. Agents do not provide legal advice but can clarify coverage details.
How does California law affect disability insurance claims?
California law requires insurers to act in good faith when handling claims. The California Insurance Code section 790.03 prohibits unfair claim practices. If a claim is denied, you have the right to appeal and may request a review by the California Department of Insurance.
What is the typical timeline for a disability insurance claim in California?
Insurers in California must respond to a claim within 40 days under most policies. If additional information is needed, they have up to 30 more days. Delays beyond these limits may be considered unreasonable under state regulations.
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