The top-rated disability insurance agent in Panama City, Florida is Harry Grizzle Insurance, rated 4.8 stars across 271 reviews. Other highly rated options include Ellis Agency Insurance, Daffin Insurance Services, Acentria Insurance. This directory lists 18 disability insurance agents serving Panama City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harry Grizzle Insurance | 2104 W 23rd St | (850) 598-0450 |
| 2 | Ellis Agency Insurance | 1134 Harrison Ave | (850) 763-1627 |
| 3 | Daffin Insurance Services | 755 Harrison Ave | (850) 769-8183 |
| 4 | Acentria Insurance | 501 W 11th St | (850) 257-2990 |
| 5 | Specialty Insurance Group | 1143 Jenks Ave | (850) 747-4959 |
| 6 | Broward Hall Insurance | 455 Harrison Ave ste d | (850) 769-4828 |
| 7 | Providence Risk Insurance LLC | 5501 Cherry St | (850) 785-3717 |
| 8 | Hollomon Insurance Agency | 2993 W 10th St | (850) 872-8000 |
| 9 | Nichols & Associates Insurance Services | 1229 Jenks Ave | (850) 747-0288 |
| 10 | Blackwell Insurance | 1109 Beck Ave | (850) 769-2225 |
Harry Grizzle Insurance serves the Panama City, Florida area as a disability insurance agent. The company assists local professionals and self-employed individuals in finding income protection policies. Disability insurance provides financial security when a health issue prevents someone from working. The agency guides clients through policy options, explaining coverage terms and waiting periods. It helps applicants understand medical underwriting and benefit structures for short-term disability. Harry Grizzle Insurance also handles long-term disability plans for workers concerned about extended recovery times.
Ellis Agency Insurance in Panama City, Florida assists clients with a range of disability insurance services, including initial policy selection and coverage evaluation. It also offers periodic plan reviews to ensure benefits align with changing income or health needs. The agency helps individuals and business owners maintain appropriate income protection through ongoing service support. Its client base includes single-family homeowners, apartment tenants, retail employees, and restaurant workers.
Daffin Insurance Services serves homeowners, businesses, and property managers in Panama City, Florida, by offering disability insurance agent services. They help clients understand how disability policies can protect personal income and maintain financial stability during unexpected health events. Their guidance includes assessing coverage options for self-employed individuals and small business owners. The company also assists with policy comparisons and enrollment for local residents and commercial entities. Daffin Insurance Services additionally provides its professional services to clients throughout the Panama City Beach metropolitan area.
Acentria Insurance provides professional guidance on income protection strategies in Panama City, Florida. As a Disability Insurance Agent, the company specializes in helping individuals and business owners secure coverage that replaces lost wages due to illness or injury. Its tailored services address the unique risks faced by local industries, from small firms to larger operations. The agency assists commercial sectors including professional offices, distribution warehouses, and full-service food service establishments.
Specialty Insurance Group serves disability insurance clients in Panama City, Florida, and the surrounding Bay County communities. It handles both short-term and long-term disability income protection policies for local professionals and small business owners. The company also addresses specific occupational coverage needs common in the region’s diverse workforce. To manage a typical case, it first reviews the client’s income and job duties, then compares available policy features and waiting periods to recommend suitable coverage options.
Broward Hall Insurance provides disability insurance services in Panama City, Florida, serving clients seeking income protection for illness or injury. The agent assists customers choosing either a one-time policy for a specific coverage need or a recurring arrangement that offers ongoing adjustments. Options range from individual plans to groups, with policies tailored to protect a portion of income. Service is available on a one-time, scheduled, or as-needed basis according to client requests.
With Panama City’s tourist-driven economy and seasonal workforce, unexpected illness or injury can quickly interrupt local incomes. Providence Risk Insurance LLC helps area professionals and small business owners protect their earnings by arranging coverage tailored to individual occupation and health factors. Their process focuses on understanding each client’s specific income structure before recommending appropriate policies from standard carriers. To begin, an agent conducts a no-obligation initial consultation to review current earnings, job duties, and existing benefits before outlining available options.
Hollomon Insurance Agency in Panama City, FL provides disability income protection tailored to local professionals and small business owners who need to safeguard their earnings. The agency also helps individuals understand how group and individual disability policies differ for comprehensive coverage. A key area of focus is assisting self-employed workers and tradespeople with evaluating policy options before peak storm season, ensuring financial stability if an injury delays their return to work.
Nichols & Associates Insurance Services provides clients in Panama City, FL, with professional guidance regarding disability income protection. As a dedicated disability insurance agency, the firm specializes in crafting plans that replace a portion of lost earnings if illness or injury prevents work. These policies help individuals maintain financial stability during recovery. Depending on client needs, coverage can include short-term and long-term options tailored to different professions. The agency serves a variety of local commercial sectors, including offices, warehouses, and food service operations.
Blackwell Insurance serves residents of Panama City and the surrounding Florida Panhandle with disability insurance coverage tailored to individual needs. The agency also assists local businesses with commercial disability policies to protect their workforce. Service extends throughout Bay County and nearby communities. After an initial consultation and policy placement, the agent remains available to answer questions and adjust coverage as circumstances change. Clients are contacted periodically to review their policies and ensure continued fit, with follow-up service provided between regular scheduled visits.
What Does a a Disability Insurance Agent in Panama City Cost?
Disability insurance agent services in Florida typically involve no direct fee to you because agents earn commissions from the insurance company. Premiums for individual disability policies in Panama City can range from 1% to 3% of your annual income per year. For example, a policy for a 40 year old earning 50000 per year might cost between 500 and 1500 annually. Costs vary based on your age, health, occupation, and the policy features you choose. This is general information and not insurance advice.
About disability insurance agents in Panama City
Disability insurance agents in Panama City, Florida assist residents with purchasing policies and filing claims. Florida law requires agents to be licensed by the state and follow strict regulations. Local agents understand the unique needs of workers in the Panhandle region, including those in tourism and military sectors.
Frequently Asked Questions
What does a disability insurance agent in Panama City do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They can also guide you through the application process and answer questions about policy terms. Agents do not provide legal advice but can clarify what your policy covers.
How do I choose a disability insurance agent in Panama City?
Look for an agent who is licensed in Florida and has experience with disability policies. Check their reviews and ask about their knowledge of Florida insurance laws. You can verify a license through the Florida Department of Financial Services website.
Are there time limits for filing a disability claim in Florida?
Yes, most disability policies in Florida require you to file a claim within 30 to 90 days after you become disabled. Check your specific policy for exact deadlines. Missing these time limits can result in a denial of benefits.
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