The top-rated disability insurance agent in La Quinta, California is AAA La Quinta Insurance and Member Services, rated 4.2 stars across 321 reviews. Other highly rated options include Integrity Agents Insurance Services Inc, Robert Stowe Insurance Agency, Inc. A Farmers Insurance Agency, Foulds Health Insurance Agency. This directory lists 13 disability insurance agents serving La Quinta.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA La Quinta Insurance and Member Services | 46050 Washington St | (760) 771-1162 |
| 2 | Integrity Agents Insurance Services Inc | 51555 Desert Club Dr Suite 350 | (760) 625-0777 |
| 3 | Robert Stowe Insurance Agency, Inc. A Farmers Insurance Agency | 79710 CA-111 # 100 | (760) 342-2786 |
| 4 | Foulds Health Insurance Agency | 78010 Main St #208 | (760) 346-6565 |
| 5 | NavSav Insurance - Private Client | 51625 Desert Club Dr #202 | (760) 564-6800 |
| 6 | Fred Loya Insurance | 79295 CA-111 Ste 230 | (760) 984-5157 |
| 7 | Palm Valley Insurance Services | 77777 Calle Tampico | (760) 775-7256 |
| 8 | Ellen Miller Insurance | 79280 N Sunset Ridge Dr | (760) 328-4251 |
| 9 | Prosolace Insurance Solutions for Professionals | 78109 Lago Dr | (562) 457-7700 |
| 10 | Coachella Valley Insurance | 78411 CA-111 | (760) 227-2564 |
AAA La Quinta Insurance and Member Services serves the Coachella Valley area from its location in La Quinta, California. The company functions as a disability insurance agent, helping residents obtain income protection that replaces a portion of earnings during a medical leave. It guides clients through short-term policies tailored for temporary recoveries and long-term plans for extended health issues. These specific services include helping individuals file claims and understand policy terms for disability coverage.
Integrity Agents Insurance Services Inc provides disability insurance agent services throughout the La Quinta area. The company offers consultation on individual and group disability coverage, helping clients understand policy options for income protection during illness or injury. Its service plans include annual policy reviews and claim support to ensure continued coverage aligns with changing needs and financial situations. When a disability occurs, the firm assists with documentation filing and insurer communication. Integrity Agents Insurance Services Inc serves single-family homes, apartments, retail, and restaurants.
Homeowners, businesses, and property managers in La Quinta, CA, turn to Robert Stowe Insurance Agency, Inc., a Farmers Insurance Agency, for disability insurance agent services. Their agents help clients understand how disability coverage can protect income against unexpected injuries or illnesses. The firm guides individuals through policy options designed to replace a portion of lost earnings during recovery periods. This La Quinta-based agency extends its assistance to residents and business owners in neighboring Indio and the surrounding Coachella Valley communities.
Foulds Health Insurance Agency serves clients in La Quinta and the surrounding Coachella Valley communities. It focuses exclusively on helping individuals and business owners understand their options for disability income protection. The agency handles coverage that replaces a portion of lost earnings if an illness or injury prevents someone from working. To determine suitable policy terms, it begins by reviewing each client’s occupation, current income, and monthly financial obligations. This information guides the agent in comparing plans from multiple insurers to find appropriate benefit amounts and waiting periods.
NavigSav Insurance - Private Client, serving La Quinta, California, distinguishes between one-time policy reviews and ongoing service agreements, each designed to address different disability insurance agent needs. Coverage options typically include plans for both short‑term income replacement and long‑term disability protection, structured to help clients manage financial risk. Their disability insurance agent service operates on either a one‑time consultation or a scheduled as‑needed basis depending on the client’s preference.
Fred Loya Insurance offers services as a Disability Insurance Agent to individuals and businesses in La Quinta, California. Work in this specialty involves guiding clients through options for income protection should illness or injury prevent employment. Coverage is tailored to replace a portion of lost earnings, helping policyholders manage ongoing expenses. Plans typically include short-term or long-term benefits with varying elimination periods. The agent addresses concerns about financial security during recovery and explains policy features like own-occupation definitions. Services cover single-family homes, apartments, retail, and restaurants.
Palm Valley Insurance Services offers specialized disability insurance agent services to individuals and families in La Quinta, California, from workplace coverage to personal policies. The firm assists clients in protecting their income against unexpected illnesses or injuries that prevent them from working. By reviewing local medical and occupational risks, the team helps residents select policies suited to their financial needs. During peak seasonal employment changes in the Coachella Valley, the company helps workers evaluate short-term disability options to bridge gaps in coverage.
When seasonal visitors in La Quinta, CA, seek coverage for income loss due to unexpected illness or injury, Ellen Miller Insurance provides professional guidance as a disability insurance agent. The company helps local residents assess how long-term disability policies might protect their earnings during a medical setback. Understanding the specific risks of falls or chronic conditions in the desert environment is central to their approach. An initial consultation is offered to review an applicant’s current income and health history before any policy is recommended.
Located in La Quinta, California, Prosolace Insurance Solutions for Professionals provides disability insurance agent services, with a specialty in crafting tailored income protection strategies for individuals whose livelihood depends on their specific skill sets. The agency helps evaluate the unique risks faced by professionals to secure policies that safeguard earning potential. Its client base includes workforces found in commercial sectors such as offices, warehouses, and food service establishments.
Coachella Valley Insurance provides disability insurance agent services to residents in La Quinta, covering the broader Coachella Valley area. They assist individuals with personal disability policies that protect income during illness or injury. Commercial disability coverage is also available for local business owners seeking to safeguard their operations. The agency serves clients throughout the surrounding desert communities, ensuring steady financial protection for both home and work. Following each initial consultation, they offer follow-up support to review policy changes during regular visits.
What Does a a Disability Insurance Agent in La Quinta Cost?
Disability insurance agent services in California typically cost nothing upfront because agents earn commissions from insurance companies. Policy premiums vary widely, often ranging from 1% to 3% of your annual income for a standard plan. Costs depend on your age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in La Quinta
A disability insurance agent in La Quinta California can help you understand your policy options and file claims. California law requires certain disability insurance policies to include specific provisions, such as a 30-day waiting period for benefits. Local agents know the unique needs of La Quinta residents and can guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in La Quinta do?
A disability insurance agent helps you choose a policy, complete applications, and submit claims. They can explain California specific rules like the 60-day limit to file a claim after a disability begins. Agents do not provide legal advice but can assist with paperwork.
How is California disability insurance different from other states?
California has a state disability insurance program called SDI that provides partial wage replacement. Private disability insurance agents can help you supplement SDI with additional coverage. California also has strict deadlines for filing claims and appeals.
Do I need a disability insurance agent if I already have coverage through work?
Even with employer coverage, an agent can review your policy for gaps. California law allows you to purchase individual disability insurance to cover income not protected by your job. An agent can compare options to match your needs.
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