The top-rated disability insurance agent in La Mesa, California is Insurance Services with Capstone, rated 5.0 stars across 252 reviews. Other highly rated options include Colston Insurance Agency, Simple Health & Life Insurance Agency, Inc., David Petri Agency: Allstate Insurance. This directory lists 18 disability insurance agents serving La Mesa.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Insurance Services with Capstone | 8144 La Mesa Blvd | (619) 886-5665 |
| 2 | Colston Insurance Agency | 7870 El Cajon Blvd Ste B | (619) 452-2660 |
| 3 | Simple Health & Life Insurance Agency, Inc. | 9340 Fuerte Dr Ste 210B | (619) 464-8485 |
| 4 | David Petri Agency: Allstate Insurance | 5680 Lake Murray Blvd # C | (619) 588-5677 |
| 5 | Mashkoory Insurance Agency | 7725 El Cajon Blvd suite 100 | (619) 825-8858 |
| 6 | ProSource Insurance Services Inc | 4625 Acacia Ave | (619) 469-9600 |
| 7 | Joe's Insurance Sales | 9019 Park Plaza Dr suite h | (760) 800-8200 |
| 8 | Teague Insurance Agency Inc. | 7777 Alvarado Rd # 515 | (619) 464-6851 |
| 9 | Teague Financial Insurance Services | 4710 4th St #300 | (619) 668-5200 |
| 10 | O P Insurance Agency, Inc, | 8100 La Mesa Blvd #105 | (619) 741-0160 |
Insurance Services with Capstone serves La Mesa and all of San Diego County, specializing in disability insurance agent services. This agency assists individuals in finding coverage that protects their income if illness or injury prevents them from working. It helps clients review their employer-provided group policies and explore supplemental individual disability plans. Typical services handled in this area include short-term and long-term disability insurance.
Colston Insurance Agency provides comprehensive disability insurance agent services in the La Mesa, California area. The agency assists clients with evaluating their income protection needs and comparing policy options from multiple carriers. It offers guidance on both short-term and long-term disability coverage, as well as initial policy setup and periodic plan reviews to ensure continued suitability. Claims support is available to help policyholders navigate the filing process. The firm serves local single-family homeowners, apartment complex owners, retail shop proprietors, and restaurant operators seeking financial protection against potential lost income due to disability.
Simple Health & Life Insurance Agency, Inc. serves local professionals and self-employed individuals in La Mesa, California, who seek coverage against lost income due to illness or injury. The agency assists clients with understanding different disability insurance policies and options that protect their financial stability. By meeting with clients to evaluate individual risks, the agent builds a suitable plan to replace a portion of earnings during recovery. This agency also provides its services to residents throughout the greater San Diego metro area, including nearby El Cajon.
Serving La Mesa and the surrounding East County communities of San Diego, David Petri Agency: Allstate Insurance handles applications for disability insurance coverage. It assists local professionals in evaluating income protection policies suited to individual circumstances. The agency typically reviews each client's occupation and existing coverage to build a clear recommendation for a plan. It then shows the specific policy provisions and costs before submitting the application.
Mashkoory Insurance Agency, located in La Mesa, CA, helps clients distinguish between a one-time disability insurance policy, which provides a fixed benefit term, and a recurring policy that offers ongoing renewable coverage. This local agency guides individuals through the selection of a plan tailored to protect their income against unexpected injuries or illnesses. As a disability insurance agent, the company assists with policy options common to the San Diego area. Client service is available on a scheduled consultation basis.
As spring brings renewal projects and summer heats up outdoor activities in La Mesa, residents often reassess their income protection needs. ProSource Insurance Services Inc provides disability insurance agent services to help local workers safeguard their earnings against unexpected illness or injury. The company guides clients through policy options tailored to various occupations, addressing gaps in employer coverage or creating individual plans. An initial consultation typically begins with a review of current income sources and potential protection strategies to identify suitable coverage.
Based in La Mesa, California, Joe’s Insurance Sales provides general coverage consultation focused on protecting a client’s income and long-term financial stability. As a dedicated disability insurance agent, the company specializes in tailoring policies that replace a portion of lost wages due to illness or injury, ensuring a steady cash flow during recovery periods. This firm works closely with professionals and business owners across diverse commercial sectors, including offices, warehouses, and food service operations.
Teague Insurance Agency Inc. offers specialty services for income protection and long-term disability planning for residents of La Mesa. As a disability insurance agent, it provides general assistance with evaluating policy options and understanding benefit structures tailored to individual needs. It helps clients address coverage gaps that could arise from sudden illness or injury requiring extended time away from work. The agency specifically assists with reviewing policies before open enrollment periods to ensure adequate protection for the coming year.
Teague Financial Insurance Services serves individual and family clients in La Mesa with residential disability insurance coverage. The agency also assists small businesses in the surrounding San Diego area by offering commercial disability policies to protect employees and key personnel. These insurance plans are designed to replace a portion of income if injury or illness prevents work. The agent meets with clients during initial enrollment and remains available for follow-up or repeat service between regular annual reviews to adjust coverage as needs change.
What Does a a Disability Insurance Agent in La Mesa Cost?
The cost of a disability insurance agent in California is typically paid through commissions from the insurance carrier. You do not usually pay the agent directly. Premiums for individual disability policies in California can range from 1% to 3% of the covered annual income. For example, a policy covering $5,000 per month might cost between $600 and $1,800 per year. Costs vary based on age, health, occupation, and policy features. This is general information and not insurance advice.
About disability insurance agents in La Mesa
Disability insurance agents in La Mesa help individuals and small business owners find coverage that meets their needs. California law requires certain employers to provide State Disability Insurance (SDI) but private policies offer additional protection. A local agent can explain how state benefits and private plans work together for La Mesa residents.
Frequently Asked Questions
What does a disability insurance agent in La Mesa do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms and assist with the application process. They do not provide legal advice or handle claims disputes.
How is California SDI different from private disability insurance?
California SDI is a state-run program that provides partial wage replacement for workers who pay into it. Private disability insurance offers additional coverage and can replace a higher percentage of income. An agent can help you decide if a private policy is right for you.
Are there time limits for filing a disability claim in California?
Yes, California has specific deadlines for filing SDI claims and private policy claims. For private policies, you must usually notify the insurer within 20 to 30 days of becoming disabled. Missing deadlines can result in denial of benefits.
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