The top-rated disability insurance agent in Lafayette, California is Jake Stewart - State Farm Insurance Agent, rated 4.9 stars across 111 reviews. Other highly rated options include Mt. Diablo Insurance Brokers, JP Reed - State Farm Insurance Agent, John de Leuze - State Farm Insurance Agent. This directory lists 14 disability insurance agents serving Lafayette.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Stewart - State Farm Insurance Agent | 3581 Mount Diablo Blvd Ste 225 | (925) 283-5040 |
| 2 | Mt. Diablo Insurance Brokers | 3557 Mount Diablo Blvd # 21 | (925) 297-4070 |
| 3 | JP Reed - State Farm Insurance Agent | 3249 Mt Diablo Ct Ste 101A | (925) 934-2277 |
| 4 | John de Leuze - State Farm Insurance Agent | 1078 Carol Ln #100 | (925) 284-9580 |
| 5 | EPIC Insurance Brokers & Consultants | 3697 Mount Diablo Blvd #100 | (510) 452-0458 |
| 6 | SITZMANN MORRIS AND BOYLE INSURANCE AGENCY | 3697 Mount Diablo Blvd | (510) 903-0288 |
| 7 | Gallagher Insurance, Risk Management & Consulting | 3697 Mount Diablo Blvd Suite 230 | (510) 465-3090 |
| 8 | Stanley E Smith Insurance | 3540 Wilkinson Ln | (925) 283-6161 |
| 9 | Kosich & Callahan Insurance Agency | 3435 Mount Diablo Blvd STE 300 | (925) 284-3911 |
| 10 | Blackstone Health Insurance Services | 3697 Mount Diablo Blvd #100 | (925) 283-1075 |
Jake Stewart - State Farm Insurance Agent serves the Lafayette, CA area and Contra Costa County as a disability insurance agent. The agency helps individuals protect their income by offering policies that provide financial support when a medical condition prevents them from working. They assist clients in understanding coverage options that suit their personal circumstances. Their work involves explaining policy terms and comparing plans to match specific needs like short-term or long-term disability protection.
Mt. Diablo Insurance Brokers provides disability insurance agent services to clients in Lafayette, California. Its primary offerings include assisting individuals and professionals in securing income protection policies that replace a portion of earnings if they become unable to work due to illness or injury. The company regularly reviews and updates clients' coverage to align with changing needs and career circumstances. It serves a diverse range of properties and businesses, including single-family homes, apartment complexes, retail establishments, and restaurants.
Homeowners, businesses, and property managers in Lafayette, California, turn to JP Reed - State Farm Insurance Agent for disability insurance coverage. These policies help replace income if an illness or injury keeps a policyholder from working. The agent evaluates each client's financial situation to recommend an appropriate benefit amount and waiting period. Disability insurance can provide vital protection for self-employed professionals and small business owners in the area. JP Reed also extends these services to clients in the neighboring community of Walnut Creek and the broader East Bay region.
Serving Lafayette and the surrounding communities of the San Francisco Bay Area, John de Leuze - State Farm Insurance Agent handles disability insurance needs for local professionals and residents. The agency assists clients in understanding how disability coverage can protect their income if they are unable to work due to illness or injury. This work typically begins with a conversation to review an individual’s current financial situation and employment risks. The agent then uses that information to tailor a policy that fits the client’s specific circumstances.
EPIC Insurance Brokers & Consultants, located in Lafayette, CA, helps clients understand the difference between one-time disability coverage, suitable for a single event, and ongoing policies that provide recurring benefits if illness or injury prevents work. These options allow individuals to tailor their protection based on financial goals and employment stability. The agency works with local professionals to evaluate income replacement needs. Service is scheduled according to client preference, typically arranged on an as-needed basis for policy reviews and adjustments.
As harvest season brings more local residents out on the winding roads of Lafayette, the need for reliable income protection grows. Sitzmann Morris and Boyle Insurance Agency serves this role as a local disability insurance agent. They provide guidance on policies that replace lost wages if an injury or illness limits a person’s ability to work. The process begins by scheduling a thorough initial-assessment meeting with you to review your current coverage and future needs.
Serving Lafayette and the surrounding communities of Contra Costa County, Gallagher Insurance, Risk Management & Consulting handles disability insurance applications for professionals and individuals seeking income protection. The agency works with local clients to navigate policy options that cover partial or total disability. Coverage typically replaces a percentage of lost earnings during a qualifying medical event. To complete a typical job, it reviews the applicant’s occupation and financial documentation, then presents tailored plan choices and facilitates the underwriting process for a policy that meets the client’s needs.
Stanley E Smith Insurance specializes in providing disability income protection tailored to the financial risks of lost earnings. It serves clients in Lafayette and the surrounding East Bay area by reviewing local policy options and coordinating coverage with existing benefits. The agency addresses gaps in employer-sponsored plans and helps independent professionals secure individual policies. It also assists clients with claims related to seasonal hazards, such as winter injuries from slips or holiday travel accidents, before temporary disability coverage lapses.
Kosich & Callahan Insurance Agency provides insurance services to individuals and businesses in the Lafayette area. Its specialty is disability insurance, focusing on policies that protect income if a client becomes unable to work due to illness or injury. The agency helps clients tailor coverage to their specific professional needs. Commercial sectors it can serve include local offices, warehouses, and food service establishments.
Based in Lafayette, Blackstone Health Insurance Services provides disability insurance guidance for residents throughout the local area. The agency also assists local commercial clients with securing appropriate coverage for their business needs. This service helps individuals protect their income against unexpected illness or injury. The agent can explain policy options and navigate the application process for prospective clients. Follow-up support is available between regular policy reviews to update coverage as life circumstances change.
What Does a a Disability Insurance Agent in Lafayette Cost?
Typical costs for disability insurance in California range from 1% to 3% of your annual income for a policy that covers 60% of your salary. For a 40-year-old professional earning $100,000 per year, a policy might cost $100 to $250 per month. Costs vary by occupation, health history, and policy features. This is general information and not insurance advice.
About disability insurance agents in Lafayette
A disability insurance agent in Lafayette can help you find coverage that protects your income if you become unable to work. California law requires employers to provide State Disability Insurance (SDI) but private policies offer additional benefits. Agents in Lafayette understand local job markets and can tailor policies for professionals in the East Bay.
Frequently Asked Questions
What does a disability insurance agent do in Lafayette?
An agent helps you compare policies from different insurers to find coverage that fits your occupation and income. They explain policy terms, exclusions, and benefit periods. They do not handle claims but can guide you on how to file.
How is California SDI different from private disability insurance?
California SDI provides partial wage replacement for up to 52 weeks through payroll taxes. Private disability insurance offers more flexibility in benefit amounts and durations. An agent can help you decide if a private policy is needed to supplement SDI.
What factors affect disability insurance costs in Lafayette?
Costs depend on your age, health, occupation, and the benefit amount you choose. California regulations require insurers to use approved rate structures. An agent can provide quotes from multiple carriers to find a competitive rate.
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