The top-rated disability insurance agent in Pembroke Pines, Florida is Mendez & Associates Insurance, rated 4.9 stars across 1,320 reviews. Other highly rated options include Estrella Insurance, Louise Bernstein - State Farm Insurance Agent, Sebanda Insurance. This directory lists 20 disability insurance agents serving Pembroke Pines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mendez & Associates Insurance | 2020 NW 150th Ave Suite 301 | (877) 258-7580 |
| 2 | Estrella Insurance | 210 S Flamingo Rd | (954) 704-1717 |
| 3 | Louise Bernstein - State Farm Insurance Agent | Sedano's Center, 17107 Pines Blvd | (954) 435-7776 |
| 4 | Sebanda Insurance | 701 Promenade Dr #201 | (305) 280-9720 |
| 5 | GreatFlorida Insurance: Jovanny Valdes | 9050 Pines Blvd Suite 455 | (954) 543-6085 |
| 6 | YIS Benefits dba Your Insurance Solution | 1601 N Palm Ave Suite 206 | (866) 726-4966 |
| 7 | MAD INSURANCE INC | 9050 Pines Blvd Ste. 415-418 | (954) 541-9232 |
| 8 | C & C Insurance Partner of Acentria | 1921 NW 150th Ave #101 | (954) 431-2008 |
| 9 | Rolfs Insurance Services | 10011 Pines Blvd STE 201 | (954) 251-3312 |
| 10 | Empire Insurance Group LLC | 2400 N University Dr STE 208 | (305) 318-3178 |
Mendez & Associates Insurance serves clients in Pembroke Pines and the greater Broward County area as a disability insurance agent. The company helps individuals navigate the complex process of securing income protection plans designed to replace lost wages due to illness or injury. Comprehensive policies are evaluated to match each client's specific occupation and financial needs. Short-term disability coverage for temporary conditions and long-term disability insurance for extended or permanent impairments are among the specific services handled in this region.
Estrella Insurance provides disability insurance agent services to clients in Pembroke Pines, Florida, helping individuals secure income protection for cases of illness or injury. The agency assists with policy selection, application processes, and plan adjustments to maintain coverage over time. It also helps clients review existing disability policies and update beneficiaries when personal circumstances change. These services support single-family homeowners, apartment residents, retail workers, and restaurant employees who seek financial security during periods of temporary or long-term disability.
As a disability insurance agent in Pembroke Pines, FL, Louise Bernstein - State Farm Insurance Agent helps clients secure coverage that replaces a portion of income if an illness or injury prevents them from working. The agency provides individual disability policies and can review existing plans to ensure they meet current needs. Ongoing service includes periodic policy assessments and claims assistance. This agency services single-family homes, apartments, retail, and restaurants.
Sebanda Insurance serves homeowners and businesses in Pembroke Pines, Florida, providing disability insurance agent services. The company helps clients obtain coverage that replaces a portion of income if illness or injury prevents work. Disability insurance policies offered by agents in this region can protect mortgage payments and ongoing household expenses during recovery. The firm also assists property managers and self-employed individuals in evaluating their occupational risk and policy options. Its service area additionally covers the neighboring community of Miramar within the greater Miami metropolitan region.
GreatFlorida Insurance: Jovanny Valdes serves clients in Pembroke Pines and the surrounding communities of South Florida. This agency handles disability insurance, providing policies that help replace income if an illness or injury prevents a person from working. The agent works with individuals and local professionals to find coverage aligned with their personal financial needs. To handle a typical job, the agency reviews each client's employment situation and financial obligations before recommending an appropriate plan.
Disability insurance agent services can involve a one-time policy setup or recurring annual reviews to adjust coverage as a client’s income or health change. Located in Pembroke Pines, FL, YIS Benefits dba Your Insurance Solution helps residents evaluate group or individual plans that replace lost wages due to illness or injury. Coverage options are matched to each client’s occupation and earnings. Service runs on an as-needed basis, with clients contacting the agent when a life event or renewal triggers a need.
MAD INSURANCE INC serves homeowners, business owners, and self-employed individuals in the Pembroke Pines area who require protection against income loss due to illness or injury. The agency helps clients understand disability coverage options that replace a portion of lost wages and maintain financial stability during recovery. Assistance includes evaluating existing policies and comparing new plans to suit specific occupational risks and budgets. The company also extends its services to nearby Weston and Cooper City within Broward County.
As a disability insurance specialist in Pembroke Pines, FL, C & C Insurance Partner of Acentria focuses on protecting clients' income with tailored plans for unexpected injury or illness. It guides individuals through the complexities of long-term and short-term coverage options, helping residents prepare for various medical scenarios. This attention is particularly valuable when a new diagnosis or seasonal physical job demands makes it harder to keep working full-time.
Rolfs Insurance Services serves Pembroke Pines and the surrounding Broward County communities, handling disability insurance policies for local clients. The agency works with individuals who need protection against income loss due to illness or injury. Services typically involve reviewing client income and occupations to recommend appropriate coverage options. The general approach to a typical job includes explaining policy benefits and guiding clients through the application paperwork.
Empire Insurance Group LLC, based in Pembroke Pines, Florida, advises clients on the difference between one-time disability policies, which cover a single disabling event, and recurring plans that provide ongoing protection for repeated illness or injury. They help individuals and local businesses evaluate coverage options tailored to income replacement needs. Consultations focus on policy features such as elimination periods and benefit durations. Their service runs on an as-needed basis for policy reviews or new enrollments, with scheduled follow-ups available for claims assistance.
What Does a a Disability Insurance Agent in Pembroke Pines Cost?
The cost of disability insurance in Florida varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy that covers 60% of salary. Costs are higher for high-risk jobs or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Pembroke Pines
Disability insurance agents in Pembroke Pines Florida help residents and workers understand their policy options and file claims. Florida law does not require employers to provide disability insurance, so individual policies are common. A local agent can explain how Florida state law affects benefit timelines and coverage limits.
Frequently Asked Questions
What does a disability insurance agent in Pembroke Pines do?
A disability insurance agent helps you choose a policy that fits your needs and assists with filing claims. They explain policy terms, waiting periods, and benefit amounts. They do not provide legal advice but can guide you through the claims process.
How long do I have to file a disability claim in Florida?
Florida does not set a specific statute of limitations for disability claims, but most private policies require you to file within 30 to 90 days of becoming disabled. Check your policy for exact deadlines. Delays can reduce or deny benefits.
Does Florida require employers to offer disability insurance?
No, Florida law does not require employers to provide disability insurance. However, some employers offer it as a voluntary benefit. If you do not have coverage through work, you can buy an individual policy from a licensed agent.
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