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Find Disability Insurance Agents Near You in El Cajon, CA

Browse disability insurance agents serving El Cajon, California. Updated 2026-07-14.

The top-rated disability insurance agent in El Cajon, California is Pay Low Insurance, rated 4.9 stars across 2,427 reviews. Other highly rated options include Doug Steiner - State Farm Insurance Agent, Kristie Powell - State Farm Insurance Agent, George Insurance Service. This directory lists 17 disability insurance agents serving El Cajon.

Showing 17 disability insurance agents in El Cajon, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Pay Low Insurance415 Fletcher Pkwy ste 306(619) 736-1313
2Doug Steiner - State Farm Insurance Agent2456 Fletcher Pkwy(619) 593-3234
3Kristie Powell - State Farm Insurance Agent1785 E Main St(619) 938-8100
4George Insurance Service860 Jamacha Rd Ste 205(619) 987-6521
5SD Insurance Agency275 E Douglas Ave # 102(858) 687-5222
6Simple Lane Insurance Agency1255 Avocado Ave Suite 102(619) 777-7067
7Alexis Carlos Vega - State Farm Insurance Agent275 E Douglas Ave STE 101(619) 579-2263
8Kennedy Insurance Agency2295 Fletcher Pkwy #100(619) 797-1440
9MidWayPro Insurance Services981 Broadway(619) 655-9769
10Jenkinsmg236 Jamacha Rd #102(619) 444-4664
PL
415 Fletcher Pkwy ste 306
Pay Low Insurance
Disability Insurance Agent · El Cajon, CA

Pay Low Insurance serves El Cajon and greater San Diego County as a disability insurance agent. The company guides local workers through the process of protecting their income against unexpected illness or injury. Their agents work with both individuals and small business owners in the area to identify suitable coverage options. Disability insurance helps replace a portion of lost earnings when a policyholder cannot perform their regular job duties. Pay Low Insurance specifically handles short-term disability benefits for wage earners and long-term protection for self-employed professionals.

DS
2456 Fletcher Pkwy
Doug Steiner - State Farm Insurance Agent
Disability Insurance Agent · El Cajon, CA

Doug Steiner - State Farm Insurance Agent in El Cajon, CA, offers a range of disability insurance services including short-term and long-term income replacement plans. These policies help protect an individual’s earnings if an illness or injury prevents them from working. The agency focuses on personalizing coverage to suit each client’s financial situation and occupational needs. Ongoing service includes policy reviews and claims assistance. Their client base includes professionals, small business owners, and those working in single-family homes, apartments, retail stores, and local restaurants.

KP
1785 E Main St
Kristie Powell - State Farm Insurance Agent
Disability Insurance Agent · El Cajon, CA

Homeowners, families, and small business owners in El Cajon seek income protection guidance from Kristie Powell - State Farm Insurance Agent. This agency provides disability insurance options to help replace lost wages when illness or injury prevents work. The team explains policy features and assists with claims, ensuring customers understand how coverage coordinates with other benefits. Service includes personalized consultations in English to match individual needs. The agency extends its services throughout El Cajon and also covers clients in the La Mesa area and nearby communities.

GI
860 Jamacha Rd Ste 205
George Insurance Service
Disability Insurance Agent · El Cajon, CA

Serving El Cajon and its surrounding communities across San Diego County, George Insurance Service handles disability insurance needs for residents and local workers. This agency focuses on policies that provide income protection when illness or injury prevents a person from working in their regular occupation. To handle a typical assignment, it starts by assessing the client's current coverage gaps, then compares multiple appropriate carrier options to find a suitable plan match.

SI
275 E Douglas Ave # 102
SD Insurance Agency
Disability Insurance Agent · El Cajon, CA

SD Insurance Agency in El Cajon, California, assists local residents with both short-term and long-term disability income protection. The firm guides clients through the difference between one-time policy selections for specific needs and ongoing coverage that adapts as income and health situations evolve. Agents work to explain how each type of plan replaces a portion of earnings during an unexpected illness or injury. Service appointments for evaluating these insurance options are available on either a one-time basis for single policy review or as-needed for updates and claims assistance.

SL
1255 Avocado Ave Suite 102
Simple Lane Insurance Agency
Disability Insurance Agent · El Cajon, CA

Specializing in disability income protection and Social Security disability advocacy, Simple Lane Insurance Agency in El Cajon, CA assists local workers with policies that replace lost earnings during illness or injury. The agency also guides clients through the complex claims process to ensure timely benefits. As an area resource, it regularly helps those approaching retirement evaluate the coverage gap between disability benefits and Medicare eligibility.

AC
275 E Douglas Ave STE 101
Alexis Carlos Vega - State Farm Insurance Agent
Disability Insurance Agent · El Cajon, CA

In the hill country around El Cajon, CA, seasonal wildfire evacuations often reveal gaps in coverage when residents must leave work unexpectedly. Alexis Carlos Vega operates as a local disability insurance agent with State Farm, helping neighbors secure income protection before unforeseen events force time away from jobs. Clients seeking to safeguard household finances can schedule a no-obligation review of their current policies and personal circumstances at the agency.

KI
2295 Fletcher Pkwy #100
Kennedy Insurance Agency
Disability Insurance Agent · El Cajon, CA

Kennedy Insurance Agency serves residents of El Cajon, California, by providing disability insurance coverage tailored to individual needs. Commercial clients in the surrounding region also access policies that protect their businesses from income loss due to employee injury or illness. The agency guides clients through selecting appropriate plans that offer financial security during recovery periods. Follow-up service between regular visits ensures that policy updates or claim questions are addressed promptly, maintaining consistent protection for each insured party.

MI
981 Broadway
MidWayPro Insurance Services
Disability Insurance Agent · El Cajon, CA

MidWayPro Insurance Services, based in El Cajon, works with individuals and businesses to secure disability insurance coverage that provides income protection when illness or injury prevents work. The agency focuses on tailoring disability policies to address specific occupational risks and personal financial needs. Their work involves comparing plans and guiding clients through the application process in California. They serve various commercial sectors, including offices where sedentary roles pose unique coverage challenges, warehouses with physical labor demands, and food service operations requiring substantial safety planning.

JE
236 Jamacha Rd #102
Jenkinsmg
Disability Insurance Agent · El Cajon, CA
SI
1161 E Main St #201
Swanson Insurance Agency
Disability Insurance Agent · El Cajon, CA
(619) 440-3708
HI
1273 E Main St
Health Insurance
Disability Insurance Agent · El Cajon, CA
(310) 340-7297
luebroeker7843898.wixsite.com/health-insurance
OS
1558 Magnolia Ave STE C
On The Spot Insurance Services Inc.
Disability Insurance Agent · El Cajon, CA
(619) 596-7722
onthespotinsurance.com
VI
574 N 2nd St
Vetra Insurance Services
Disability Insurance Agent · El Cajon, CA
(619) 630-9091
stacyinsuranceservices.com
VI
500 Fesler St #103
ValuePro Insurance Solutions, Inc.
Disability Insurance Agent · El Cajon, CA
(619) 631-4404
valueproins.com
AI
810 Jamacha Rd #200
Axelrod Insurance Services
Disability Insurance Agent · El Cajon, CA
(619) 375-3222
axelrodinsurance.com
HI
810 Jamacha Rd Suite 103
Home Insurance San Diego
Disability Insurance Agent · El Cajon, CA
(619) 600-5550
kodains.com/home-insurance-quote.html

What Does a a Disability Insurance Agent in El Cajon Cost?

The cost of disability insurance in California typically ranges from 1% to 3% of your annual income for a policy that replaces 60% to 70% of your salary. For a 40-year-old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Premiums vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.

About disability insurance agents in El Cajon

Disability insurance agents in El Cajon, California help individuals and businesses find the right short-term and long-term disability policies. California law requires employers to provide State Disability Insurance (SDI) through the Employment Development Department, but private agents can supplement this with additional coverage. Agents in El Cajon understand the local job market and can guide clients through policy options that meet state regulations.

Frequently Asked Questions

What does a disability insurance agent in El Cajon do?

A disability insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms, benefit amounts, and waiting periods. Agents also assist with filing claims and understanding California-specific rules like the SDI program.

Do I need private disability insurance if I have California SDI?

California SDI provides partial wage replacement for a limited time, usually up to 52 weeks. Private disability insurance can offer higher benefits and longer coverage periods. An agent can help you decide if a private policy is right for your situation.

How do California disability insurance laws affect my policy?

California law requires that disability insurance policies include certain consumer protections, such as a free-look period and clear disclosure of exclusions. Agents must be licensed by the California Department of Insurance. Policies sold in El Cajon must comply with these state regulations.

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.