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Directory of disability insurance agents in Carmel, California. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
Carmel, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 3 disability insurance agents in Carmel, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Carmel Bay Group Insurance
3785 Vía Nona Marie #303, Carmel, CA 93923
(831) 624-6000
carmelbaygroup.com
Monroe-Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd #1A, Carmel, CA 93923
(831) 372-4511
monroe-kellyinsurance.com
Michael B. Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd # 1, Carmel, CA 93923
(831) 624-6065
mkisi.com
Disability insurance agents in Carmel California help residents and workers secure income protection policies. California state law requires employers to provide State Disability Insurance (SDI) but private agents can help fill coverage gaps. Agents in Carmel understand the local economy including tourism and real estate sectors.
What Does a Disability Insurance Agent in Carmel Cost?
Disability insurance agent services in California typically do not charge a separate fee. Agents earn commission from the insurance company which is built into the premium. Policy premiums vary widely from 1% to 3% of your annual income for short term coverage. Long term disability can cost 1% to 2% of your salary. Costs depend on your age occupation health and benefit amount. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Carmel do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and coverage limits. Agents do not sell one specific company so they can offer multiple options.
How is California disability insurance different from other states?
California has a mandatory State Disability Insurance program funded by payroll taxes. Private disability insurance agents can help you add coverage beyond the state plan. California also has specific laws about pre-existing condition waiting periods.
Do I need a local agent in Carmel or can I use an online service?
A local Carmel agent understands the specific needs of the area including seasonal workers and self employed professionals. They can meet in person and provide ongoing support. However online services are also available for California residents.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.