The top-rated disability insurance agent in Brawley, California is Fiesta Auto Insurance & Tax Services, rated 5.0 stars across 150 reviews. Other highly rated options include Marianne Fenley - State Farm Insurance Agent, Payless Auto Insurance Broker, Inc., Hart Insurance Center. This directory lists 11 disability insurance agents serving Brawley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fiesta Auto Insurance & Tax Services | 182 W Main St | (760) 498-1255 |
| 2 | Marianne Fenley - State Farm Insurance Agent | 528 G St | (760) 344-0447 |
| 3 | Payless Auto Insurance Broker, Inc. | 522 Main St | (760) 351-1200 |
| 4 | Hart Insurance Center | 580 S 1st St | (760) 344-1400 |
| 5 | Farmers Insurance - Karen Constable | 455 S 1st St | (760) 344-1563 |
| 6 | Coni Stokely Insurance Services, Inc. | 861 Main St | (760) 344-1700 |
| 7 | Smith-Kandal Insurance & Real Estate | 510 W Main St | (760) 344-2212 |
| 8 | Fred Loya Insurance | 1050 S Brawley Ave # 104 | (760) 351-8722 |
| 9 | Fred Eady Insurance Agency | 204 N Imperial Ave | (760) 344-2205 |
| 10 | Klicka Parker Insurance Brokers | 350 G St | (760) 344-0600 |
Fiesta Auto Insurance & Tax Services, serving the Brawley, California area, offers disability insurance agent services to local clients. The company assists individuals in understanding how disability coverage can help protect income during periods of illness or injury. It works with clients to evaluate different policy options suited to their personal and professional needs. The agency guides applicants through the enrollment process and answers questions about benefit terms. Its specific services include short-term disability insurance and long-term disability insurance.
As a disability insurance agent, Marianne Fenley in Brawley, CA provides guidance on policies designed to replace a portion of lost income if an illness or injury prevents work. The agent assists clients in understanding policy terms, including benefit periods and elimination periods, helping them choose coverage that aligns with individual financial needs. Regular plan reviews are offered to adjust coverage as life circumstances change. The agent services single-family homes, apartments, retail establishments, and restaurants in the local area.
Payless Auto Insurance Broker, Inc. in Brawley, California serves local homeowners, renters, and small business owners seeking disability insurance coverage to protect their income. The agency assists clients in evaluating policy options that provide financial support during periods of medical leave or injury. Understanding the specific needs of the Imperial Valley community, its agent helps customers navigate plan selection and application details. Payless Auto Insurance Broker also extends its services to residents and workers in El Centro and surrounding farming communities.
Hart Insurance Center serves local homeowners, business owners, and property managers in Brawley, California, helping them secure disability coverage to protect their income in case of illness or injury. Navigating the disability insurance process can be complex, so this agency works closely with clients to match plans to their unique needs. It also offers guidance on policy terms and claims support. The agency extends its services to nearby Imperial and El Centro, ensuring broader coverage throughout the Imperial Valley.
Farmers Insurance - Karen Constable serves Brawley, California, and the surrounding Imperial Valley communities with disability insurance agent services. This agency handles individual disability income policies designed to replace a portion of lost earnings if a client becomes unable to work due to illness or injury. It also assists local small business owners with group disability plans for their employees. The typical job begins with a personalized consultation to review the client’s occupation and financial obligations, then selects a suitable policy structure and waiting period.
Coni Stokely Insurance Services, Inc. in Brawley, CA offers disability insurance on either a one-time policy purchase or through recurring premium plans. Both options secure coverage that replaces a portion of lost income if illness or injury prevents work. The selection between them depends on a client’s budget and preference for payment frequency. This agency provides disability insurance services on a scheduled basis for initial consultations and policy reviews, with additional support available as needed for claims or plan adjustments.
Smith-Kandal Insurance & Real Estate specializes in disability income insurance and also provides general insurance agent services for individuals and families in the Brawley, California area. These policies help protect income if illness or injury prevents work. The firm offers guidance through coverage choices, application processes, and any policy changes. Many residents seek its assistance during the spring planting season, when agricultural workers need to ensure their earnings are protected against unexpected health disruptions.
Serving the Brawley area and surrounding Imperial Valley communities, Fred Loya Insurance handles applications for disability income protection coverage. This type of policy replaces a portion of a client’s wages if an illness or injury prevents them from working. The agency works with individuals who want to secure income stability against unexpected health setbacks. To serve each client, it customizes policy terms based on occupational duties, current health status, and income level, then presents coverage options that fit the client’s specific financial situation and protection timeline.
Each year in Brawley, seasonal agricultural workers require coverage tailored to income changes that affect long-term security. Fred Eady Insurance Agency addresses this need by helping residents understand disability insurance policies that protect against unexpected earnings loss. The agency guides clients through plan comparisons, explaining how benefits replace a portion of wages during illness or injury. An initial assessment is arranged to review current coverage gaps and estimate potential benefit levels appropriate for local employment patterns.
Based in Brawley, California, Klicka Parker Insurance Brokers facilitates access to disability insurance, which helps protect income if illness or injury prevents work. The agency specializes in coordinating individual and group disability policies to meet varied client needs. These benefit plans can be crucial for maintaining financial stability during recovery. The firm serves local professionals and businesses across commercial sectors, including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Brawley Cost?
The cost of disability insurance in California varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy that replaces 60% of income. Costs are higher for high-risk occupations. This is general information and not insurance advice.
About disability insurance agents in Brawley
A disability insurance agent in Brawley, California can help you understand and select policies that protect your income if you become unable to work. California law requires certain employers to provide State Disability Insurance (SDI) through the Employment Development Department, but private disability insurance offers broader coverage. Working with a local agent ensures you get a policy tailored to your needs and the specific regulations of California.
Frequently Asked Questions
What does a disability insurance agent in Brawley do?
A disability insurance agent helps you compare policies from different insurers, explains coverage options, and assists with the application process. They can also guide you on how California SDI interacts with private plans. Agents do not handle claims but can recommend resources for filing.
How does California SDI affect private disability insurance?
California SDI provides partial wage replacement for workers who pay into the system, but it has a maximum weekly benefit and a limited duration. Private disability insurance can supplement SDI by offering higher benefit amounts and longer coverage periods. An agent can help you coordinate both types of coverage.
Are disability insurance agents in Brawley licensed in California?
Yes, all disability insurance agents in California must hold a valid insurance license from the California Department of Insurance. You can verify an agents license through the CDI website. Agents must also follow California regulations regarding policy disclosures and suitability.
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