The top-rated disability insurance agent in Palm Desert, California is Janelle Cyrus - State Farm Insurance Agent, rated 4.9 stars across 430 reviews. Other highly rated options include Primerica-Palm Desert, Palm Desert Insurance, Charise Karjala Health Markets. This directory lists 21 disability insurance agents serving Palm Desert.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Janelle Cyrus - State Farm Insurance Agent | 42335 Washington St Ste A | (760) 834-8833 |
| 2 | Primerica-Palm Desert | 42575 Melanie Pl STE K | (760) 899-3893 |
| 3 | Palm Desert Insurance | 73241 CA-111 ste 1-b | (760) 341-2345 |
| 4 | Charise Karjala Health Markets | 72960 Fred Waring Dr #21 | (760) 831-2736 |
| 5 | Inszone Insurance Services | 73350 El Paseo Ste 107 | (760) 773-5671 |
| 6 | Insurance Incorporated - Palm Desert | 77564 Country Club Dr Ste 204D | (760) 867-0111 |
| 7 | Ascend Insurance Agency | 36917 Cook St STE 101 | (760) 341-3477 |
| 8 | Collective Insurance Solutions LLC | 77-711 Flora Rd Suite 325 | (760) 600-5605 |
| 9 | Jump Insurance Services | 77682 Country Club Dr STE I | (760) 610-6145 |
| 10 | Desert View Insurance | 77564 Country Club Dr Suite 363 | (760) 346-1220 |
Janelle Cyrus – State Farm Insurance Agent serves the Palm Desert, California area as a disability insurance agent. The company helps clients secure income protection in case of illness or injury that prevents them from working. Policies are designed to replace a portion of lost wages, providing financial stability during recovery. This agent handles both short-term and long-term disability insurance for local residents and small business owners in the Coachella Valley.
Primerica-Palm Desert provides a range of disability insurance agent services for clients in the Palm Desert, California area. Its typical service plans include consultations to evaluate an individual’s need for income protection and assistance in selecting appropriate disability insurance policies. Standard maintenance plans involve periodic policy reviews to ensure coverage aligns with changing circumstances, as well as proactive support for claims filing and benefit inquiries. The agency services single-family homes, apartments, retail spaces, and restaurants.
Palm Desert Insurance serves local homeowners, self-employed professionals, and small business owners in the Coachella Valley who need income protection. The agency helps clients navigate disability insurance options, explaining how policies can replace a portion of lost earnings during illness or injury. Claims processes and policy terms are reviewed carefully so customers understand their coverage. Policyholders receive ongoing support to adjust their plans as life changes. This disability insurance agent also covers the neighboring city of Cathedral City and the surrounding communities across the desert metro area.
Charise Karjala Health Markets serves Palm Desert and the surrounding communities of the Coachella Valley, handling disability insurance policies for local professionals and residents. The agency focuses on helping clients understand different policy structures, such as elimination periods and benefit durations, that affect coverage for lost income due to injury or illness. To handle a typical job, the agent first reviews a client’s current financial obligations and occupation risks, then presents tailored policy options that match their specific protection needs.
Inszone Insurance Services serves homeowners, businesses, and property managers in Palm Desert, California, by providing Disability Insurance Agent services to help protect their income and financial stability. The agency assists clients in understanding and selecting disability coverage tailored to individual needs within the local market. Guidance focuses on policy features and benefit options available across this region. The company also extends its services to clients throughout neighboring Cathedral City and the surrounding Coachella Valley communities.
Insurance Incorporated - Palm Desert advises clients on the fundamental distinction between standalone disability income policies and those built into life insurance or as employer-sponsored group coverage. As a local disability insurance agent serving the Palm Desert area, the company helps individuals document their occupation, income, and health status to secure tailored protection for lost earnings. Services are available on a scheduled or as-needed basis, allowing policy reviews and new applications at the client’s request.
Ascend Insurance Agency in Palm Desert, California, provides specialty services in crafting long-term disability and short-term disability coverage plans for individuals. It also handles general disability insurance work, helping clients secure income protection during illness or injury. A key focus involves evaluating existing employer benefits for gaps. The agency assists with seasonal concerns, particularly guiding snowbirds or seasonal workers whose fluctuating incomes require careful policy adjustments to maintain continuous coverage during off-peak months.
Winter in Palm Desert brings seasonal residents returning to their desert homes, often requiring adjustments to their financial safety nets. Collective Insurance Solutions LLC helps local professionals and small business owners evaluate their income protection needs. The company focuses on disability insurance policies that provide partial wage replacement during injury or illness. Clients with physically demanding jobs or those reliant on a single income stream often seek guidance on coverage limits and waiting periods. An initial consultation typically begins with a review of existing benefits and monthly expenses.
Jump Insurance Services assists individuals and businesses in Palm Desert with navigating the complexities of income protection. As a disability insurance agent, the company focuses on helping clients secure coverage that replaces a portion of their earnings if they become unable to work due to illness or injury. This area's workforce includes diverse commercial sectors such as office environments, warehouses, and food service operations.
Desert View Insurance serves residents in Palm Desert and the surrounding Coachella Valley communities with personal disability coverage. The agency also assists local businesses by arranging commercial disability protection for employees. Their service area includes the greater Palm Desert region and nearby cities. Each policy is reviewed individually to align with specific income protection needs. Clients appreciate the ongoing support and prompt follow-up that occurs between regular policy reviews or when life changes require an adjustment.
What Does a a Disability Insurance Agent in Palm Desert Cost?
Disability insurance agent services in California typically involve commissions paid by the insurance company, not direct fees to the client. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 40-year-old in good health might pay 1% to 3% of their annual income for a policy. This is general information, not insurance advice.
About disability insurance agents in Palm Desert
Disability insurance agents in Palm Desert help residents navigate disability income protection and claims. California law requires specific policy provisions under the California Insurance Code. Local agents understand the unique needs of the Coachella Valley community.
Frequently Asked Questions
What does a disability insurance agent in Palm Desert do?
A disability insurance agent helps you find and apply for disability income policies. They also assist with claim filing and appeals. Agents must be licensed by the California Department of Insurance.
How does California law affect disability insurance claims?
California Insurance Code Section 10350 outlines minimum standards for disability policies. Claims must be paid within 30 days of receiving proof of loss. Unreasonable delays may result in penalties.
Can a Palm Desert agent help with an ERISA disability claim?
Yes, many agents assist with employer-sponsored disability plans governed by ERISA. ERISA claims have strict deadlines for appeals. An agent can guide you through the process.
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