The top-rated disability insurance agent in Roseville, California is Pacific Unity Insurance Solutions, Inc., rated 4.9 stars across 87 reviews. Other highly rated options include Finkemeier Insurance Services, River Rock Insurance Services Inc., All-Cal Insurance Agency. This directory lists 19 disability insurance agents serving Roseville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Pacific Unity Insurance Solutions, Inc. | 2241 Douglas Blvd Suite 250 | (916) 846-9555 |
| 2 | Finkemeier Insurance Services | 1805 Cirby Way STE 7 | (916) 666-7889 |
| 3 | River Rock Insurance Services Inc. | 1420 E Roseville Pkwy #140-261 | (866) 696-8636 |
| 4 | All-Cal Insurance Agency | 505 Vernon St | (916) 784-9070 |
| 5 | Alex Rue Insurance Agency, Inc. | 9815 Antelope Rd | (916) 572-9815 |
| 6 | Definitive Financial & Insurance Services | 234 Donner Ave | (916) 701-4788 ext. 1 |
| 7 | Michael J. Welch - State Farm Insurance Agent | 414 Vernon St #100 | (916) 786-3700 |
| 8 | Broad Spectrum Insurance Services | 1544 Eureka Rd Suite 135 | (888) 898-6999 |
| 9 | InterWest Insurance Services, LLC | 5 Sierra Gate Plaza 2nd Flr | (916) 784-1008 |
| 10 | Bender Insurance Solutions | 516 Gibson Dr STE 240 | (916) 380-5300 |
Pacific Unity Insurance Solutions, Inc. serves the Roseville and Placer County area as a dedicated disability insurance agent. The company assists individuals with evaluating their income protection needs and navigating policy options to safeguard their financial stability. Their work involves matching clients with appropriate short-term or long-term disability plans tailored to personal circumstances and employment situations. Pacific Unity Insurance Solutions, Inc. specifically handles individual disability income policies and employer-provided group disability coverage for area residents.
Finkemeier Insurance Services offers a comprehensive range of disability insurance options tailored to protect individuals from income loss due to injury or illness. The company assists clients with policy selection, application, and long-term maintenance to ensure coverage remains aligned with changing needs. Its service plans include periodic reviews of existing policies to update benefit amounts or riders as financial situations evolve. Finkemeier Insurance Services works with clients from diverse professional backgrounds, including single-family homeowners, apartment dwellers, retail workers, and employees of area restaurants.
Homeowners, business owners, and property managers in the Roseville area turn to River Rock Insurance Services Inc. for disability insurance agent services. They analyze local income protection needs and match clients with suitable disability policies. This helps safeguard financial stability against the loss of earnings due to illness or injury. The agency also provides guidance on policy terms and benefit structures relevant to residents and employers. Their coverage area includes the nearby community of Rocklin.
Disability insurance agents may offer both one-time policy consultations and recurring services for ongoing coverage adjustments. Serving the Roseville, California area, All-Cal Insurance Agency assists clients in understanding how disability insurance can protect income during illness or injury. Evaluating personal risk factors and employment situations helps in tailoring appropriate policy options. Representatives guide individuals through comparing benefit periods, elimination periods, and replacement ratios. Service runs on a one-time, scheduled, or as-needed basis to accommodate changing financial needs.
Serving Roseville, California, and the surrounding communities of Placer County, Alex Rue Insurance Agency, Inc. handles disability insurance policies for local residents and professionals in the area. It guides individuals through the process of securing coverage to protect income against illness or injury. The agency works to understand each client’s specific occupation and financial situation before presenting appropriate plan options. For a typical job, it takes time reviewing available policies to match them with the client’s personal needs.
Definitive Financial & Insurance Services provides disability insurance agent services for residents of Roseville, CA. It specializes in helping clients select policies that replace a portion of income if an injury or illness prevents them from working. The company works with individuals to understand their specific coverage needs and guides them through the application process. As the summer season approaches, it helps clients assess how a disability could impact their ability to cover vacation expenses or unexpected medical bills.
As Roseville residents face the challenge of protecting their income after an unexpected illness or injury, Michael J. Welch - State Farm Insurance Agent provides essential disability insurance coverage in the area. The agency helps individuals evaluate their financial vulnerabilities and select policies suited for their specific professional and household circumstances. Each consultation begins with a thorough review of the client’s current assets, occupation, and potential long-term needs during the initial risk-assessment meeting.
Broad Spectrum Insurance Services in Roseville, California provides specialized guidance in securing individual disability income protection. The agency assists local professionals and business owners with policies that replace lost earnings during illness or injury. Their general service work includes evaluating existing coverage for gaps and coordinating benefits with employer-sponsored plans. As the winter season approaches, they often help clients review policies to ensure adequate protection against slip-and-fall injuries common on icy walkways and parking lots.
For Roseville residents seeking steady income protection during open enrollment or after a job change, a dedicated Disability Insurance Agent provides clear guidance through coverage options. InterWest Insurance Services, LLC assists clients in evaluating policies that replace lost wages due to illness or injury. The process begins by reviewing individual employment benefits and household budgets to identify suitable short- or long-term plans. An initial assessment is then scheduled to analyze current coverage gaps and discuss policy terms for long-term financial security.
Bender Insurance Solutions specializes in helping clients secure disability coverage to protect their income during illness or injury. As a dedicated disability insurance agent located in Roseville, CA, the company provides guidance through the process of selecting suitable policies for individual needs. These policies can be tailored to account for various occupations and risk levels. The agency serves a range of commercial sectors, including offices, warehouses, and food service environments.
What Does a a Disability Insurance Agent in Roseville Cost?
Disability insurance premiums in California generally range from 1% to 3% of your annual income for a standard policy. For example, a 40-year-old earning $100,000 per year might pay $1,000 to $3,000 annually. Factors like your health, occupation, and chosen waiting period affect the final cost. This is general information and not insurance advice.
About disability insurance agents in Roseville
Disability insurance agents in Roseville, California help individuals and businesses find income protection policies. California state law requires certain employers to provide State Disability Insurance (SDI) through the Employment Development Department. A local agent can guide you on private plans that supplement SDI benefits.
Frequently Asked Questions
What does a disability insurance agent in Roseville do?
A disability insurance agent helps you compare and purchase private disability policies. They explain policy terms, waiting periods, and benefit amounts. Agents also assist with understanding how private coverage interacts with California SDI.
How does California SDI affect private disability insurance?
California SDI provides partial wage replacement for up to 52 weeks for non-work injuries or illnesses. Private disability insurance can supplement SDI or provide coverage for higher earners. An agent can help you coordinate both types of coverage.
What is the typical cost for disability insurance in California?
Costs vary based on age, health, occupation, and benefit amount. A typical policy for a healthy 40-year-old might cost 1% to 3% of annual income. Premiums are often level and guaranteed renewable, but exact rates depend on your specific situation.
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