The top-rated disability insurance agent in Tulare, California is Primos Auto Insurance Services, rated 5.0 stars across 368 reviews. Other highly rated options include Rose Quinonez - State Farm Insurance Agent, Cost-U-Less Insurance, Su Casa Valley Insurance Services. This directory lists 19 disability insurance agents serving Tulare.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Primos Auto Insurance Services | 1547 Hillman St | (559) 656-1330 |
| 2 | Rose Quinonez - State Farm Insurance Agent | 1635 E Prosperity Ave ste a | (559) 685-1000 |
| 3 | Cost-U-Less Insurance | 1114 E Prosperity Ave | (559) 529-5261 |
| 4 | Su Casa Valley Insurance Services | 1965 E Tulare Ave | (559) 328-5999 |
| 5 | Lewis Insurance | 1108 Leland Ave | (559) 688-7711 |
| 6 | Renee Soto - State Farm Insurance Agent | 306 N K St | (559) 686-3355 |
| 7 | Unavision Insurance Center | 449 N K St | (559) 686-6777 |
| 8 | Sherrie Munday - State Farm Insurance Agent | 624 E Tulare Ave | (559) 686-4562 |
| 9 | Farmers Insurance - Kelly Brooks | 225 N M St | (559) 556-5203 |
| 10 | Farmers Insurance - Kenneth Marroquin | 1615 E Prosperity Ave ste a | (559) 688-1717 |
Primos Auto Insurance Services serves the Tulare County area as a disability insurance agent. This firm assists local residents with coverage that replaces a portion of income when an illness or injury prevents them from working. The agent provides guidance on the different policy structures, including short-term and long-term plans designed for individual financial situations. Working with both employed and self-employed clients, the company helps them evaluate their need for this protection. Specific services handled here include individual long-term disability income policies and short-term income replacement plans.
Rose Quinonez - State Farm Insurance Agent, based in Tulare, California, is known for providing personalized disability insurance solutions to local residents and workers. The agency helps clients evaluate coverage options that protect income in the event of illness or injury, serving individuals and families throughout the Tulare area. A specialty service it can offer is adding a disability rider to existing life insurance policies.
Cost-U-Less Insurance serves clients in and around Tulare County, California, focusing on disability insurance agent services. The company assists individuals and families in securing coverage that provides income protection in the event of a disabling illness or injury. Disability insurance helps replace lost wages for those unable to work due to health setbacks. The agency works with clients to evaluate personal needs and compare suitable policy options. Specific services include handling both short-term and long-term disability insurance applications and plan selections.
Su Casa Valley Insurance Services in Tulare, California provides a range of disability insurance agent services, helping clients secure income protection policies tailored to their needs. It offers ongoing service and maintenance plans to review and update coverage as situations change. The company works with individuals and businesses, managing new applications and policy adjustments. Its services extend to those owning single-family homes, apartments, retail spaces, and restaurants.
Lewis Insurance serves homeowners, renters, and local employers in the Tulare area who need guidance in securing disability income protection. The agency helps clients understand policy options and assists with applications to help replace lost wages during illness or injury. Its services focus on matching coverage to individual occupation and income needs. The firm also extends its disability insurance agent services to clients in neighboring Visalia within Tulare County.
Serving Tulare, California, and the surrounding communities, Renee Soto - State Farm Insurance Agent specializes in disability insurance, helping clients protect their income if they become unable to work due to illness or injury. The agent handles individual disability policies and coordinates coverage with existing employer benefits for a comprehensive plan. To complete a typical job, the agent first evaluates a client's current occupation and financial obligations, then uses personalized consultations to select a policy that offers sufficient monthly benefits for their unique situation.
Unavision Insurance Center in Tulare, CA helps clients navigate the difference between short-term disability policies, purchased for a single acute need, and long-term coverage established as a recurring premium plan for ongoing income protection. Disability insurance agents here analyze how a policy’s elimination period and benefit percentage align with a client’s savings and essential expenses. This ensures a plan covers a portion of lost earnings during recovery from illness or injury. Service runs on a scheduled basis, with annual policy reviews to adjust coverage as income or family circumstances change.
Sherrie Munday - State Farm Insurance Agent in Tulare, CA provides disability insurance agent services, helping clients protect their income in case of injury or illness. It also offers general insurance guidance to ensure comprehensive coverage. Residents can consult with this agency to understand policy options for long-term or temporary disability needs. During periods of medical recovery or unexpected health setbacks, the agency assists with navigating claims and coordinating benefits to maintain financial stability.
Spring storms in Tulare often lead to unexpected injuries on area farms, causing residents to miss work and seek reliable income protection. Farmers Insurance - Kelly Brooks provides disability insurance agent services to help local clients safeguard their earnings during such recovery periods. The company works individually with policyholders to explain plan options that align with specific financial needs and household situations. An initial assessment appointment is scheduled to review current coverage and identify potential gaps.
Kenneth Marroquin, operating under Farmers Insurance, provides disability insurance services to individuals and businesses in Tulare, California. This agent helps clients secure income protection policies that replace lost earnings due to illness or injury, with optional riders available for added coverage. Beyond individual plans, the agent serves commercial sectors, including offices, warehouses, and food service operations, tailoring policies to meet varied workplace needs.
What Does a a Disability Insurance Agent in Tulare Cost?
Disability insurance premiums in California typically range from 1% to 3% of your annual income. For a 40 year old non smoking professional in Tulare, a policy paying 60% of income might cost between 100 and 300 dollars per month. Costs vary based on age, health, occupation, benefit amount, and elimination period. This is general information and not insurance advice.
About disability insurance agents in Tulare
Disability insurance agents in Tulare California help residents navigate short term and long term disability claims. California law requires employers to provide State Disability Insurance (SDI) through the EDD but private policies offer additional coverage. Local agents can explain how Tulare area policies interact with state benefits and help you file claims correctly.
Frequently Asked Questions
What does a disability insurance agent in Tulare do?
A disability insurance agent helps you choose a private disability policy and assists with filing claims. They explain policy terms and help you understand California SDI offsets. They do not provide legal advice but can guide you through the claims process.
How does California SDI affect private disability insurance?
California SDI provides partial wage replacement for non work related disabilities. Private disability policies often reduce their benefit by the amount you receive from SDI. An agent in Tulare can help you compare policies that coordinate with SDI to maximize your total benefit.
Are there time limits for filing a disability claim in California?
Yes. For private policies you must usually file within 30 to 90 days of becoming disabled. California SDI claims must be filed within 49 days of your disability start. Missing these deadlines can result in denial. An agent can help you track these deadlines.
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