The top-rated disability insurance agent in Torrance, California is Expert Auto Home Insurance - Mercury Auto Insurance, rated 4.9 stars across 281 reviews. Other highly rated options include Best California Insurance, Acrisure Torrance, CA (Peninsula General Ins.), Olson Duncan Insurance Service, Inc. This directory lists 22 disability insurance agents serving Torrance.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Expert Auto Home Insurance - Mercury Auto Insurance | 1311 Crenshaw Blvd suite e | (310) 533-6000 |
| 2 | Best California Insurance | 1710 Sepulveda Blvd | (310) 626-6366 |
| 3 | Acrisure Torrance, CA (Peninsula General Ins.) | 22330 Hawthorne Blvd suite i | (310) 539-2533 |
| 4 | Olson Duncan Insurance Service, Inc | 25550 Hawthorne Blvd STE 203 | (310) 373-6441 |
| 5 | Adelfia Insurance | 23133 Hawthorne Blvd STE 202 | (310) 747-4157 |
| 6 | Covered California Enrollment Center | 1311 Crenshaw Blvd b | (800) 903-0326 |
| 7 | Mark Schoettler - State Farm Insurance Agent | 24572 Hawthorne Blvd | (310) 373-3211 |
| 8 | Post Insurance Services, Inc | 2356 Torrance Blvd | (800) 262-9998 |
| 9 | Freeway Insurance | 22805 Hawthorne Blvd | (310) 307-7113 |
| 10 | Skypark Benefits Insurance Services | 2790 Skypark Dr UNIT 108 | (800) 543-0698 |
Expert Auto Home Insurance - Mercury Auto Insurance serves Torrance and the greater Los Angeles County area. As a disability insurance agent, it helps clients evaluate their income protection needs and select suitable coverage options. Its representatives guide individuals through the application process and explain policy terms clearly. This company handles short-term and long-term disability policies for local residents.
Best California Insurance provides disability insurance agent services to clients throughout Torrance, California. It offers assistance with evaluating individual disability policies to replace lost income during illness or injury. The agent helps clients understand policy provisions and coordinates ongoing service for claims support. Regular policy reviews are available to adjust coverage as client needs change. It serves single-family homeowners, apartment renters and landlords, retail shop operators, and restaurant owners.
Acrisure Torrance, CA (Peninsula General Ins.) serves homeowners, businesses, and property managers seeking disability income protection. It helps clients secure policies that replace lost earnings if illness or injury prevents work. The agency evaluates individual coverage needs for both short-term and long-term disability plans. Its team provides guidance through claims paperwork and plan updates. In addition to serving clients in Torrance, the agency covers surrounding communities in the South Bay area, including Redondo Beach.
Olson Duncan Insurance Service, Inc serves Torrance and the surrounding South Bay communities in California, handling disability insurance coverage for local residents and professionals. This agency focuses on policies that replace a portion of income when injury or illness prevents work. It presents options from multiple carriers to align with individual needs and budgets. A typical job is handled by first assessing a client’s occupation and monthly earnings, then comparing plans that offer appropriate benefit periods and elimination periods before making a recommendation.
Adelfia Insurance in Torrance, CA, helps clients distinguish between a one-time disability policy purchase, which provides a fixed benefit period, and recurring service options that allow for ongoing adjustments to coverage as needs change. Local residents can receive guidance on selecting the appropriate income protection plan for their circumstances. Service arrangements at this agency are available on a one-time, scheduled, or as-needed basis.
Covered California Enrollment Center in Torrance, CA assists individuals and businesses by connecting them with disability insurance policies. It specializes in providing income protection plans for local workers and self-employed professionals. The agency can help residents throughout the South Bay area with tailored coverage options. It serves a wide variety of commercial sectors, including local offices, warehouses, and food service operations.
As Southern California families adjust to shifting work patterns and seasonal changes, the need to protect income from unexpected illness or injury becomes more pressing in the Torrance area. Mark Schoettler - State Farm Insurance Agent helps local residents evaluate their financial risks and select disability insurance policies that provide a steady income stream if they cannot work. The agency guides clients through plan comparisons, policy features, and benefit periods. Before any policy is finalized, a quick initial phone consultation is scheduled to review individual coverage needs.
Post Insurance Services, Inc. offers disability insurance coverage to residents in and around Torrance, California. The agency assists individuals with policies designed to protect income during illness or injury, and also provides commercial disability solutions for local businesses seeking employee benefits. Service extends throughout the greater South Bay area, with consultations available to prospective clients. After an initial policy is set, the agency continues to assist with claims, policy adjustments, and renewals between regular review visits.
Freeway Insurance in Torrance, California, connects individuals and businesses with disability insurance policies designed to replace a portion of lost income after an injury or illness prevents them from working. The agency can add specialty riders such as own-occupation coverage or residual disability benefits for more tailored protection. Its services are available to workers in office environments, for employees in industrial warehouses facing physical strain, and for staff handling food service operations.
Skypark Benefits Insurance Services serves residents of Torrance, California, with personalized disability insurance guidance. The agency also assists commercial clients seeking coverage to protect their businesses in the local area. They help individuals and organizations throughout Torrance and surrounding communities evaluate their needs for income protection. Skypark Benefits Insurance Services provides ongoing support during the policy term, encouraging clients to review their coverage between periodic visits to ensure it remains appropriate as circumstances change.
What Does a a Disability Insurance Agent in Torrance Cost?
Disability insurance agent services in California are usually paid through commissions from insurance companies, not directly by you. Policy premiums vary widely: a typical individual policy may cost 1% to 3% of your annual income per year. For a $5,000 monthly benefit, premiums might range from $100 to $300 per month. Costs depend on your age, health, occupation, and policy features. This is general information, not insurance advice.
About disability insurance agents in Torrance
Disability insurance agents in Torrance California help individuals and businesses secure income protection. California law requires employers to provide State Disability Insurance (SDI) but private policies offer additional coverage. A local agent can guide you through policy options and claims processes specific to the South Bay area.
Frequently Asked Questions
What does a disability insurance agent in Torrance do?
A disability insurance agent helps you find and apply for private disability policies. They explain coverage limits, waiting periods, and benefit durations. They also assist with understanding how California SDI interacts with private plans.
How long do I have to file a disability claim in California?
For California SDI, you must file within 49 days of becoming disabled. For private policies, deadlines vary by contract but are typically 30 to 90 days. An agent can help you meet these time limits.
Do I need both California SDI and private disability insurance?
California SDI provides basic short-term benefits but has a weekly maximum. Private policies can fill gaps in income and offer long-term coverage. An agent can compare costs and benefits for your situation.
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