The top-rated disability insurance agent in Spring Hill, Florida is Ayinde Matthews - State Farm Insurance Agent, rated 5.0 stars across 1,209 reviews. Other highly rated options include Richard Rizzolo - State Farm Insurance Agent, Mark Sonnier - State Farm Insurance Agent, Advantage Insurance - Home Insurance, Auto Insurance, Business Insurance & More. This directory lists 23 disability insurance agents serving Spring Hill.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ayinde Matthews - State Farm Insurance Agent | 5278 Applegate Dr | (352) 340-4158 |
| 2 | Richard Rizzolo - State Farm Insurance Agent | 2189 Mariner Blvd | (352) 686-1003 |
| 3 | Mark Sonnier - State Farm Insurance Agent | 4032 Deltona Blvd | (352) 683-6500 |
| 4 | Advantage Insurance - Home Insurance, Auto Insurance, Business Insurance & More | 13224 Spring Hill Dr | (352) 688-1518 |
| 5 | ISU Bauknight Insurance | 10535 Spring Hill Dr | (352) 686-0612 |
| 6 | Disability Experts of Florida | 5300 Applegate Dr | (855) 777-0455 |
| 7 | Jason Aldrich: Allstate Insurance | 10004 Cortez Blvd | (352) 596-8181 |
| 8 | HSIG Insurance Agency | 4594 Commercial Way | (352) 403-0066 |
| 9 | Individual Retirement Solutions LLC | 12577 Spring Hill Dr | (727) 807-0019 |
| 10 | Sawchuk Insurance, Inc. | Park Place Offices, 5327 Commercial Way b106 | (352) 596-1903 |
Ayinde Matthews – State Farm Insurance Agent serves the Spring Hill, Florida, area and surrounding Hernando County as a disability insurance agent. This agency helps local residents and employees obtain coverage that replaces a portion of lost income when an injury or illness prevents them from working. Policies are designed to protect individuals from financial hardship during recovery from a medical event. The office handles both short-term and long-term disability insurance policies for clients in the Spring Hill region.
Richard Rizzolo - State Farm Insurance Agent in Spring Hill, FL provides disability insurance services for individuals and families. As a local agent, he helps clients understand how disability coverage can protect their income in the event of an injury or illness. The agency offers assistance with policy selection, applications, and regular policy reviews to ensure coverage remains suitable over time. These service plans include consultation on benefit amounts and elimination periods. The agent services single-family homes, apartments, retail establishments, and local restaurants.
Serving Spring Hill, Florida, and the surrounding communities, Mark Sonnier - State Farm Insurance Agent handles disability insurance policies designed to replace a portion of a client’s income if they become unable to work due to illness or injury. The agency works with local residents to explain common policy features, such as benefit periods, elimination periods, and coverage options for both short-term and long-term disability. For a typical client, the agent gathers information on employment status and monthly expenses to recommend an appropriate coverage level.
Advantage Insurance serves homeowners, renters, businesses, and property managers throughout Spring Hill, Florida, as a disability insurance agent. The agency helps clients understand disability insurance options that can provide income protection if illness or injury prevents them from working. It assists with policy selection tailored to individual employment situations and coverage needs. The company also extends its services to neighboring communities in Hernando County, including Brooksville and Weeki Wachee.
ISU Bauknight Insurance distinguishes between one-time policy evaluations and recurring service plans when helping clients in Spring Hill, FL, understand disability income protection. The agency addresses the need for coverage that replaces a portion of wages if illness or injury prevents work, aiming to secure financial stability during recovery. Assistance with policy selection, application support, and claim guidance may be offered. Service operates on either a one-time consultation basis for a single policy review or an as-needed schedule for ongoing coverage adjustments after life changes.
Disability Experts of Florida in Spring Hill provides personalized guidance in securing disability insurance, helping individuals build income protection plans that cover a range of potential health setbacks. The agency works with local clients to explain policy options and file claims when needed. For those approaching the winter cold and flu season, when illness can cause extended time away from work, this agency assists with coverage that protects a household’s financial stability during such a disruption.
In the unpredictable climate of Spring Hill, residents often find themselves reconsidering their financial safety nets when storm season arrives or a new job begins. Jason Aldrich: Allstate Insurance assists local earners by explaining how disability coverage replaces lost income during an unexpected illness or injury. The agency reviews each customer’s current budget and occupation to match protection to daily costs. After a brief discussion regarding income sources and living expenses, the agent schedules a straightforward review of existing policies to identify any gaps in coverage.
HSIG Insurance Agency in Spring Hill, Florida, connects individuals and businesses with financial protection plans that replace lost income when illness or injury prevents work. As a disability insurance agent, it guides clients through policy options that address personal and professional financial risks. This agency serves the local commercial community, including office workplaces, warehouse operations, and food service establishments.
Individual Retirement Solutions LLC in Spring Hill, FL, is known for helping clients protect their income through specialized disability insurance coverage. The agency serves local professionals and small business owners by assessing individual financial risks and matching them with policies that offer monthly benefits if an injury or illness prevents them from working. This includes guiding clients through policy options for short-term and long-term disability protection. For added security, the agency can also arrange supplemental benefits that cover specific occupation-related duties.
What Does a a Disability Insurance Agent in Spring Hill Cost?
The cost of disability insurance in Florida typically ranges from 1% to 3% of your annual income for a policy that replaces 60% of your salary. For a 40 year old earning $50,000 per year, a policy might cost between $500 and $1,500 annually. Premiums vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Spring Hill
Disability insurance agents in Spring Hill, Florida help individuals and businesses find coverage that protects income if you cannot work. Florida law requires agents to be licensed by the state and follow specific rules for policy disclosures. Local agents understand the needs of Hernando County residents and can explain options like short-term and long-term disability plans.
Frequently Asked Questions
What does a disability insurance agent in Spring Hill do?
A disability insurance agent helps you compare policies from different carriers and explains coverage terms. They assist with applications and can guide you through the claims process. In Florida, agents must follow state regulations on policy disclosures and replacement rules.
How do I choose a disability insurance agent in Spring Hill?
Look for an agent licensed in Florida with experience in disability insurance. You can check their license status on the Florida Department of Financial Services website. Ask about their knowledge of Florida specific laws like the statute of limitations for filing a claim.
Are there Florida laws that affect disability insurance claims?
Yes, Florida law sets a five year statute of limitations for breach of contract claims on disability policies. The state also requires insurers to provide a written explanation for claim denials. An agent can help you understand these legal time limits and your rights under your policy.
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