The top-rated disability insurance agent in El Centro, California is Sierra Jaime - State Farm Insurance Agent, rated 4.9 stars across 430 reviews. Other highly rated options include American Income Life - Cindy Furer, Farmers Insurance - James Gonzalez, Kahlo Insurance Services. This directory lists 20 disability insurance agents serving El Centro.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sierra Jaime - State Farm Insurance Agent | 775 E Danenberg Dr #102 | (760) 312-9517 |
| 2 | American Income Life - Cindy Furer | 395 Broadway #10 | (858) 450-9919 |
| 3 | Farmers Insurance - James Gonzalez | 430 N Imperial Ave | (760) 352-0371 |
| 4 | Kahlo Insurance Services | 300 S Imperial Ave Suite 15 | (760) 539-1254 |
| 5 | Farmers Insurance - Rosemary Rodriguez | 120 N 4th St Ste 1 | (760) 791-2464 |
| 6 | Belellano Insurance Services | 610 S 8th St | (760) 370-3090 |
| 7 | Martinez Insurance Services | 292 S Imperial Ave | (760) 336-0808 |
| 8 | Horace Mann Maeda Insurance Services, LLC. | 238 S 8th St | (760) 336-2601 |
| 9 | Calhen Insurance Office 3 covered California and Medicare, Molina, Champion | 395 Broadway suite 14 | (760) 671-2224 |
| 10 | Nationwide Insurance: Citywide United Insurance Services | 1000 Broadway | (760) 352-6951 |
Sierra Jaime - State Farm Insurance Agent serves the El Centro, California area by connecting local residents and business owners with disability income protection policies. The agency helps clients understand how coverage can replace a portion of lost wages if an illness or injury prevents them from working. Clients typically seek guidance on policy details, waiting periods, and benefit amounts. The agency handles individual disability insurance for those in the workforce and also assists with selecting short-term disability plans to bridge coverage gaps.
American Income Life - Cindy Furer provides a range of disability insurance services in El Centro, California. It helps individuals replace lost income if they become unable to work due to illness or injury. The company assists clients with selecting suitable coverage levels and policy details to fit their specific needs. Application and claims support are offered throughout the service area. Its plans serve residents protecting their household finances, including owners of single-family homes, apartments, retail stores, and restaurants.
Homeowners, business owners, and property managers in El Centro can turn to Farmers Insurance - James Gonzalez for disability insurance agent services. This agency helps clients protect their income by structuring policies that cover a portion of wages if an injury or illness prevents them from working. The agent works directly with individuals to explain policy terms and customize coverage to fit specific needs and budgets. Service is also available to residents throughout the surrounding Imperial Valley communities.
Based in El Centro, Kahlo Insurance Services serves the Imperial Valley and surrounding communities in California. The firm handles applications for disability insurance policies, helping local professionals and business owners secure coverage to protect their income against unexpected illness or injury. This process involves reviewing individual occupational duties and financial needs to find suitable policy options. To complete a typical case, the firm gathers medical and financial records and submits applications with detailed explanations to carriers.
Farmers Insurance - Rosemary Rodriguez in El Centro, CA offers disability insurance that covers both one-time benefit policies and recurring income protection plans. Clients can choose short-term or long-term coverage to guard against lost wages due to illness or injury. The agency customizes policies for local workers in agriculture, healthcare, and small businesses. Service is provided entirely on an as-needed basis, with no mandatory scheduled appointments or ongoing commitments required.
Belellano Insurance Services provides guidance on disability insurance options for individuals and businesses in El Centro, California. The agency specializes in helping clients understand policies that replace income when injury or illness prevents work. It assists with comparing coverage levels and policy terms so clients can find protection suited to their specific needs. This insurance agent serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Martinez Insurance Services specializes in helping individuals secure disability income protection, offering personalized guidance on coverage options tailored to financial needs. Located in El Centro, CA, the company assists clients throughout the Imperial Valley with navigating disability insurance applications and policy selections. The agency works closely with residents to understand short-term and long-term disability benefits, ensuring reliable support during periods of illness or injury. As seasonal agricultural work fluctuates in the region, it particularly addresses concerns about income stability during off-season recovery from workplace injuries or unexpected health conditions.
With the seasonal fluctuations in employment and income common to the Imperial Valley agricultural economy, many local workers in El Centro seek to protect their earning power. Horace Mann Maeda Insurance Services, LLC, serves as a resource for residents evaluating disability insurance options. The agent assists clients in understanding different policy structures that can replace a portion of their income during a covered illness or injury. For those beginning this process, the first step involves a personal review of each individual’s current financial obligations to help determine an appropriate benefit amount.
Calhen Insurance Office 3 is a disability insurance agent located in El Centro, CA, known for representing Covered California and Medicare plans, as well as Molina and Champion. Their services include helping individuals compare supplemental income options for working-age adults who cannot perform their job duties. They also assist with long-term disability coverage for local professionals. A specialty service it can add on is short-term disability gap coverage for temporary income loss.
What Does a a Disability Insurance Agent in El Centro Cost?
Disability insurance agent services in California are typically free to the consumer. Agents earn commissions from insurance companies, usually 5% to 10% of the annual premium. Policy premiums vary widely based on age, health, occupation, and benefit amount. A typical individual policy might cost 1% to 3% of your annual income. This is general information, not insurance advice.
About disability insurance agents in El Centro
Disability insurance agents in El Centro help residents of Imperial Valley navigate short-term and long-term disability claims. California law requires insurers to act in good faith and pay valid claims promptly. A local agent can explain policy terms and assist with the application process.
Frequently Asked Questions
What does a disability insurance agent do in El Centro?
An agent helps you choose a disability insurance policy and guides you through the claims process. They explain coverage details and can assist with paperwork. Agents do not provide legal advice but can refer you to a lawyer if needed.
Is disability insurance required in California?
California does not require private disability insurance. However, the state offers State Disability Insurance (SDI) through payroll taxes. Private policies can supplement SDI or provide coverage for self-employed individuals.
How long do I have to file a disability claim in California?
California law does not set a specific deadline for private disability claims. However, most policies require you to notify the insurer within 30 days. Check your policy for exact time limits. Delays can lead to denial.
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