The top-rated disability insurance agent in St Simons Island, Georgia is Maggie Dutton - State Farm Insurance Agent, rated 5.0 stars across 316 reviews. Other highly rated options include The Live Oak Insurance Agency, Seban's Insurance Solutions, Fleet Risk Management Inc. This directory lists 16 disability insurance agents serving St Simons Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Maggie Dutton - State Farm Insurance Agent | 400 Main St STE 7 | (912) 638-1881 |
| 2 | The Live Oak Insurance Agency | 1700 Frederica Road Suite 305 St. Simon's Island | (912) 434-4220 |
| 3 | Seban's Insurance Solutions | 312 Plantation Chase | (912) 638-0552 |
| 4 | Fleet Risk Management Inc | 2485 Demere Rd #100 | (912) 638-8277 |
| 5 | Robinson & Associates Insurance, Inc | 4 Retreat Pl | (912) 638-9717 |
| 6 | Turner & Associates Insurance | 125 Longview Plaza Driveway | (912) 265-2840 |
| 7 | Protect Pro Insurance | 122 Circle Dr | (770) 273-9059 |
| 8 | McGinty-Gordon & Associates | 225 Marina Dr | (912) 638-8600 |
| 9 | Lighthouse Benefit Advisors | 400 Ocean Blvd Ste. 1102 | (912) 771-8230 |
| 10 | Oakbridge Insurance | 225 Marina Dr | (912) 638-8600 |
Maggie Dutton - State Farm Insurance Agent serves the St Simons Island, Georgia area as a disability insurance agent. The company provides guidance on insurance products designed to protect income in the event of an injury or illness. Clients explore options for replacing a portion of their earnings during a period of disability. The agent works with individuals to understand their coverage needs under local employment conditions. This agency handles both short-term and long-term disability insurance policies.
Seban’s Insurance Solutions serves homeowners, local businesses, and property managers in St Simons Island, Georgia with individualized disability insurance agent services. The agency assists clients in evaluating coverage options designed to replace income should injury or illness prevent them from working. By understanding each customer’s occupation and financial needs, the firm helps tailor policies that provide practical protection. This agent also covers the neighboring coastal communities of Brunswick and Jekyll Island for disability insurance needs.
Fleet Risk Management Inc serves St Simons Island, Georgia, and the surrounding coastal communities. The company handles disability insurance for local residents and professionals. It guides individuals through the process of securing coverage that replaces a portion of income during an inability to work due to illness or injury. A typical job begins with an evaluation of the client’s current earnings and occupation, followed by comparing policies from multiple insurers to find a suitable plan.
Robinson & Associates Insurance, Inc in St Simons Island, GA offers both one‑time policy purchases for immediate coverage needs and recurring service engagements for ongoing plan reviews. The firm assists clients in selecting disability insurance that replaces lost income during illness or injury, ensuring financial stability for individuals and families. Factoring Georgia’s specific state disability regulations into each case helps local residents tailor protection. All services are available on a one‑time, scheduled, or as‑needed basis depending on client requirements.
Turner & Associates Insurance provides services for individuals seeking disability income protection on St Simons Island, GA. It helps clients understand how disability insurance can replace a portion of lost earnings during an illness or injury that prevents work. The agency works with local professionals and business owners to review policy options suited to their careers. Closer to annual enrollment periods or following a workplace change, it assists with evaluating coverage gaps to ensure continued financial security.
Protect Pro Insurance assists professionals and business owners in the St Simons Island, GA area with financial security planning. The firm specializes as a disability insurance agent, focusing on income protection policies that replace lost earnings if a client becomes unable to work due to illness or injury. Its services can serve a variety of commercial sectors, including offices, warehouses, and food service operations across the local region.
Cold and flu season on St. Simons Island can interrupt a family’s income without warning. McGinty-Gordon & Associates helps local professionals and small business owners prepare for that risk as a disability insurance agent. They review clients’ current coverage, explain policy options that protect monthly earnings during recovery, and outline elimination periods and benefit durations tailored to the local economy. Their process typically begins with a free analysis of an applicant’s existing disability insurance needs.
Lighthouse Benefit Advisors provides disability insurance services to residents in St Simons Island, Georgia, and the surrounding coastal area. The company also assists commercial clients seeking coverage for their businesses or employees. As a local disability insurance agent, they help clients understand policy options to protect income from illness or injury. Clients commonly return for follow-up consultations to adjust coverage between regular policy reviews and life changes.
Oakbridge Insurance specializes in helping clients select disability income protection policies suited to their professional and personal circumstances. Serving the St Simons Island, Georgia area, the agency provides guidance on long-term and short-term coverage options, working to clarify the application process and policy details for self-employed individuals, small business owners, and those with employer-sponsored benefits. Navigating coverage during seasonal employment shifts, such as changes in tourism-related work or construction schedules common on the coast, is a particular area where their assistance proves valuable for maintaining financial stability.
What Does a a Disability Insurance Agent in St Simons Island Cost?
Disability insurance agent services in Georgia typically do not charge a separate fee because agents earn commissions from the insurance company. Policy premiums vary widely based on age, health, occupation, and benefit amount. For example, a 40-year-old professional might pay between 1 percent and 3 percent of their annual income for a policy. This is general information, not insurance advice.
About disability insurance agents in St Simons Island
Disability insurance agents in St Simons Island help residents and workers understand their coverage options and file claims. Georgia law requires disability policies to include specific provisions such as a 30-day grace period for premium payments. Local agents can guide you through the process of applying for short-term or long-term disability benefits.
Frequently Asked Questions
What does a disability insurance agent in St Simons Island do?
A disability insurance agent helps you choose a policy, explains coverage limits, and assists with claim submissions. They can also clarify how Georgia insurance regulations affect your benefits.
How long do I have to file a disability claim in Georgia?
Georgia does not set a single deadline for all disability claims. Most policies require you to notify the insurer within 30 days of becoming disabled. You should check your specific policy for exact time limits.
Are disability insurance benefits taxable in Georgia?
If you pay the premiums with after-tax dollars, your benefits are generally tax-free. If your employer pays the premiums, benefits are usually taxable as income. Georgia follows federal tax rules for this.
Disability Insurance Agents in Other Georgia Cities
Albany · Alpharetta · Athens · Atlanta · Augusta · Canton · Carrollton · Cartersville · Columbus · Dalton · Douglasville · Duluth · Evans · Gainesville · Johns Creek