The top-rated disability insurance agent in Madera, California is Cost-U-Less Insurance, rated 4.9 stars across 330 reviews. Other highly rated options include Local Medicare Agents - LMA Insurance, Elite Home & Auto Insurance Agency, Farmers Insurance - Israel Cortes. This directory lists 19 disability insurance agents serving Madera.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cost-U-Less Insurance | 2380 W Cleveland Ave E-5 | (559) 397-0366 |
| 2 | Local Medicare Agents - LMA Insurance | 1825 Howard Rd Suite C | (559) 648-9227 |
| 3 | Elite Home & Auto Insurance Agency | 1629 Howard Rd | (559) 675-8400 |
| 4 | Farmers Insurance - Israel Cortes | 1825 Howard Rd Ste B | (559) 230-1300 |
| 5 | Ray Joseph Rezendes Jr - State Farm Insurance Agent | 1613 Howard Rd | (559) 673-9176 |
| 6 | Farmers Insurance - Jeffrey Jackson Ins Agency Inc | 321 W Yosemite Ave Ste 107 | (559) 674-8889 |
| 7 | Goosehead Insurance - David W Wagner | 36914 Ave 12 Unit 16 | (559) 286-0460 |
| 8 | Value Insurance Agency | 901 W Yosemite Ave | (559) 673-0100 |
| 9 | Moncali Insurance | 719 N D St Suite D | (559) 662-8798 |
| 10 | AIS David Frisby Insurance | 309 N I St | (559) 235-7676 |
Cost-U-Less Insurance in Madera, California, serves residents in Madera County and the surrounding areas with individual disability insurance policies to protect personal income during illness or injury. Commercial disability coverage is also available for small businesses seeking key-person or group solutions. The agency maintains a focus on clear communication of policy terms. Clients are encouraged to schedule periodic policy reviews or contact the office upon changes in their employment or health status for ongoing coverage adjustments between regular visits.
Local Medicare Agents - LMA Insurance serves Madera County, California, providing guidance for individuals securing disability insurance protection. The agent assists clients in finding coverage that replaces a portion of income if an illness or injury prevents them from working. This process involves evaluating personal occupational risks and comparing policy features from multiple insurers. The office handles applications for short-term and long-term disability insurance plans tailored to local professionals and small business owners.
Elite Home & Auto Insurance Agency in Madera, CA provides a range of disability insurance agent services to help local individuals protect their income from unexpected injury or illness. The company assists clients with understanding various coverage scenarios and offers guidance on selecting appropriate protection plans that fit personal needs and budgets. It helps maintain clients' financial stability by facilitating an application process that considers medical and occupational factors. Elite Home & Auto Insurance Agency services properties including single-family homes, apartments, retail establishments, and restaurants.
Farmers Insurance - Israel Cortes serves Madera, California, and the surrounding communities, handling disability insurance needs for local residents. This agency assists clients with policies that provide income protection when an illness or injury prevents them from working. It works closely with individuals to assess their coverage requirements and explain available options under standard insurance guidelines. To handle a typical job, the agent gathers personal financial details and employment specifics, then identifies a suitable plan from the carrier’s portfolio to match the client’s situation.
Ray Joseph Rezendes Jr - State Farm Insurance Agent serves homeowners, renters, and small business owners in Madera, California, offering disability insurance coverage designed to replace a portion of income if an illness or injury prevents work. The agent helps clients understand policy options and plan for income protection. Services include consultations to review individual needs and existing coverage. The agency also assists property managers seeking disability insurance solutions for their properties and staff. Its service area extends to the neighboring community of Chowchilla in Madera County.
Farmers Insurance - Jeffrey Jackson Ins Agency Inc in Madera, CA helps clients distinguish between short-term disability insurance, which covers a temporary loss of income for a set period, and long-term policies, which provide recurring benefits for extended or permanent disabilities. The agency also explains how such coverage can replace a portion of lost wages due to illness or injury, protecting household finances. Service for consulting and policy management is available on a scheduled basis by appointment.
Goosehead Insurance - David W Wagner specializes in disability insurance solutions, structuring coverage to replace lost income when illness or injury prevents work. The agency serves residents and businesses throughout the Madera area, guiding clients through policy selection and application details. It focuses on tailoring plans to individual occupations and financial needs, ensuring appropriate benefit periods and waiting times are clearly explained. As harvest seasons and local industry shifts affect employment stability, this agency helps clients adjust or initiate disability protection accordingly to safeguard their earnings during unpredictable periods.
Value Insurance Agency serves residential clients in Madera, California with disability insurance policies tailored to individual needs and budgets. The company also advises local small businesses on commercial disability coverage to protect their operations and employees throughout the Madera area. Each consultation focuses on matching policy features to the client’s specific income protection goals and financial circumstances. The agency maintains ongoing contact with clients between regular visits to review policy updates and address any changes in coverage requirements that may arise.
In the Central Valley, seasonal agricultural work often creates gaps in income, and Moncali Insurance in Madera, CA addresses this need by guiding clients through the selection of disability policies. This agency helps workers build coverage to replace lost wages when illness or injury prevents them from earning a paycheck. The process begins with an initial consultation to review each individual’s employment situation and specific income-protection requirements.
What Does a a Disability Insurance Agent in Madera Cost?
The cost of disability insurance in California varies based on age, health, occupation, and coverage amount. Typical premiums range from 1% to 3% of your annual income. For example, a policy providing monthly benefits of 60% of your salary might cost between 50 and 200 dollars per month. Costs are higher for high-risk occupations or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Madera
Disability insurance agents in Madera, California help individuals and businesses find coverage that meets their needs. California state law requires employers to provide State Disability Insurance (SDI) through payroll deductions, but private agents can help supplement this with additional plans. Agents in Madera can also assist with understanding California-specific rules like the 7-day waiting period for SDI benefits.
Frequently Asked Questions
What does a disability insurance agent in Madera do?
A disability insurance agent helps you find and apply for private disability insurance policies. They explain policy terms, compare options from different carriers, and assist with claims. In California, agents must be licensed by the California Department of Insurance.
How is California SDI different from private disability insurance?
California SDI is a state-run program that provides partial wage replacement for non-work related injuries or illnesses. Private disability insurance offers additional coverage and can be customized. An agent can help you understand how both work together to protect your income.
Do I need a disability insurance agent if I already have SDI?
Yes, because SDI only covers a portion of your wages up to a weekly maximum. A private disability policy can fill the gap and provide longer benefits. An agent in Madera can help you choose a plan that fits your budget and needs.
Disability Insurance Agents in Other California Cities
Alameda · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Atascadero · Bakersfield · Baldwin Park · Banning · Bell · Bell Gardens · Bellflower · Benicia