The top-rated disability insurance agent in Centennial, Colorado is Integrity Health Advisors, rated 5.0 stars across 442 reviews. Other highly rated options include The Brokerage Insurance Group, Alpine Life Planning Strategies, INC, Curtis Corrado. This directory lists 12 disability insurance agents serving Centennial.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Integrity Health Advisors | 6551 S Revere Pkwy #290 | (303) 276-9799 |
| 2 | The Brokerage Insurance Group | 6300 S Syracuse Way #270 | (720) 443-2886 |
| 3 | Alpine Life Planning Strategies, INC | 12354 E Caley Ave UNIT 106 | (720) 458-1601 |
| 4 | Curtis Corrado | 5975 S Quebec St STE 209 | (720) 446-0773 |
| 5 | Centennial State Insurance Group | 9200 E Mineral Ave #100 | (720) 548-3222 |
| 6 | Insurance Group of Denver | 6909 S Holly Cir STE 360 | (720) 436-1990 |
| 7 | Mike McFarlin: Allstate Insurance | 12200 E Briarwood Ave Unit 280 | (303) 279-2520 |
| 8 | Speer Insurance Services | 7200 E Dry Creek Cir G-104 | (303) 649-1930 |
| 9 | TAG Insurance Services | 7167 S Alton Way | (303) 799-8112 |
| 10 | CCIG | 155 Inverness Dr W | (303) 799-0110 |
Integrity Health Advisors serves the Centennial, Colorado metro area as a disability insurance agent, assisting individuals in evaluating their coverage needs. The company guides clients through plan options and policy details, focusing on income protection strategies that address local employment considerations. By reviewing specific occupational requirements and personal financial situations, the firm helps applicants choose appropriate benefit periods and elimination periods. Its services include analyzing short-term disability policies and long-term disability insurance options for area professionals.
The Brokerage Insurance Group in Centennial, Colorado provides a range of services to help individuals and businesses secure income protection through disability insurance. Its team works with clients to design coverage plans tailored to specific needs and offers ongoing policy reviews to ensure benefits remain aligned with changing circumstances. The agency commonly services single-family homes, apartments, retail establishments, and restaurants.
Homeowners, businesses, and property managers in Centennial, Colorado, turn to Alpine Life Planning Strategies, INC for disability insurance agent services. The company assists clients in securing coverage that can replace a portion of lost income if illness or injury prevents them from working. Their work involves reviewing options tailored to individual financial situations and long-term needs. Alpine Life Planning Strategies further extends these services to individuals and organizations in the neighboring community of Aurora and across the broader Denver metro area.
Curtis Corrado serves clients in Centennial, Colorado, and the surrounding Denver metro communities, focusing solely on disability insurance. The agency handles both short-term and long-term income protection policies to help replace lost earnings during illness or injury. Understanding each client’s occupation, income, and health history is essential to building an appropriate coverage plan. The typical job is approached by comparing policies from multiple carriers to match the client’s specific needs and budget.
Centennial State Insurance Group, based in Centennial, Colorado, helps clients navigate the difference between short-term disability policies, which provide temporary income replacement, and long-term plans that offer sustained coverage for extended periods. As a disability insurance agent, the company assists individuals and local businesses in evaluating policies that protect against income loss due to injury or illness. Service appointments are available on both a scheduled and an as-needed basis to accommodate varying client needs.
As a disability insurance agent, Insurance Group of Denver in Centennial, Colorado focuses on securing income protection policies for individuals, customizing coverage for both short-term and long-term disability needs. The agency serves local professionals, business owners, and self-employed clients requiring tailored risk management. Residents often turn to this agent when anticipating an upcoming surgery or extended medical leave, ensuring they can maintain financial stability and meet monthly living expenses during such unplanned interruptions to their regular working life.
As winter weather increases the risk of slips and falls in Centennial, many residents seek income protection for recovery periods. Mike McFarlin: Allstate Insurance provides disability insurance agent services tailored to local professionals and small business owners. The agency helps clients understand policy terms and coverage gaps related to common regional occupations. This ensures income streams remain stable during medical leave. An initial assessment of current coverage and personal earning needs begins the consultation process.
Speer Insurance Services assists residents of Centennial, Colorado, in securing disability income protection for their households. The agency also works with commercial clients in the greater Denver metropolitan area, helping businesses structure group disability plans for their employees. A core part of their service involves evaluating clients’ existing coverage and income sources to identify gaps in protection. Clients typically consult with the agency when establishing new policies or adjusting existing plans, with follow-up scheduled between their regular visits to address any changes in circumstances or coverage needs.
TAG Insurance Services helps individuals and businesses in Centennial secure income protection through disability insurance, focusing on replacing lost earnings when injury or illness prevents work. The agency guides clients in selecting policies that cover a portion of their salary during recovery periods. These plans are commonly tailored for workers in many local commercial sectors including offices, warehouses, and food service.
CCIG, located in Centennial, Colorado, is known for providing disability insurance agent services to local residents and professionals. Its service range includes helping individuals assess their need for income protection and guiding them through policy options. A typical function of a disability insurance agent in this area is to evaluate coverage gaps and occupational risks. As a specialty service, CCIG can add on the evaluation of rider options, such as future purchase or cost-of-living adjustment provisions.
What Does a a Disability Insurance Agent in Centennial Cost?
Disability insurance agent services are usually paid through commissions from the insurance carrier, so there is often no direct fee to you. Policy premiums in Colorado typically range from 1% to 3% of your annual income for long term disability coverage. For example a $50000 annual salary might pay $500 to $1500 per year for a policy. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Centennial
Disability insurance agents in Centennial Colorado help individuals and businesses secure income protection policies. Colorado law requires certain disability benefits for state employees and sets standards for private disability insurance. A local agent can guide you through policy options and claims processes specific to Colorado regulations.
Frequently Asked Questions
What does a disability insurance agent in Centennial do?
A disability insurance agent helps you find and purchase disability income protection policies. They explain policy terms, compare options from different carriers, and assist with applications. Agents do not provide legal advice but can help you understand coverage limits.
How does Colorado law affect disability insurance?
Colorado has specific rules for disability insurance including a 30 day grace period for premium payments and a 2 year contestability period for policy misrepresentations. Colorado also requires insurers to provide clear policy summaries. An agent can explain how these laws apply to your policy.
What is the difference between short term and long term disability insurance in Colorado?
Short term disability typically covers a portion of your income for 3 to 6 months after a waiting period. Long term disability covers you for several years or until retirement age. Colorado law does not mandate private short term disability but some employers offer it as a benefit.
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