The top-rated disability insurance agent in Baton Rouge, Louisiana is Cliff Ourso, Jr. - State Farm Insurance Agent, rated 5.0 stars across 319 reviews. Other highly rated options include Gama Insurance Agencies, Chabert Insurance of Baton Rouge, The Highland Insurance Group. This directory lists 20 disability insurance agents serving Baton Rouge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cliff Ourso, Jr. - State Farm Insurance Agent | 2121 Drusilla Ln | — |
| 2 | Gama Insurance Agencies | 5185 S Sherwood Forest Blvd | (225) 963-6383 |
| 3 | Chabert Insurance of Baton Rouge | 3888 S Sherwood Forest Blvd T | (225) 395-4000 |
| 4 | The Highland Insurance Group | 8235 YMCA Plaza Dr Suite 200 | (225) 408-1630 |
| 5 | Allied Benefits Solutions | 3466 Drusilla Ln Suite A | (225) 412-0123 |
| 6 | The Louisiana Insurance Center | 5432 Superior Dr A Suite A | (225) 233-6861 |
| 7 | Insurance & Financial Services, Inc | 3466 Drusilla Ln Suite A | (225) 296-0226 |
| 8 | Independent Insurance Agents | 18153 E Petroleum Dr | (225) 819-8007 |
| 9 | Lewis Mohr Insurance Agency | 11051 Coursey Blvd | (225) 293-1086 |
| 10 | J. Price McNamara: Disability, Life, AD&D Insurance Attorneys | 9431 Common St | (225) 240-4097 |
Gama Insurance Agencies in Baton Rouge, LA helps clients evaluate and select disability insurance policies tailored to individual professional needs. The company assists with understanding policy terms, managing periodic coverage reviews, and filing claims when necessary. It works to ensure clients maintain adequate income protection through life changes. Gama Insurance Agencies serves professionals working in local single-family homes, apartments, retail establishments, and restaurants across the Baton Rouge area.
Chabert Insurance of Baton Rouge serves homeowners, businesses, and property managers in the region who require disability insurance protection. The agency helps clients secure policies that replace a portion of income if an illness or injury prevents them from working. These plans aim to provide financial stability during recovery, covering routine expenses like mortgage payments and daily living costs. Specialists here evaluate individual occupational risks and tailor coverage accordingly. The agency also assists customers in the nearby Zachary and Central areas of the parish.
The Highland Insurance Group serves Baton Rouge and the surrounding communities of Louisiana, handling disability insurance policies for local residents and workers. This agent helps clients understand their options for income protection against unexpected illness or injury. A typical job is managed by first assessing the individual's specific coverage needs and work situation, then presenting available plan structures from multiple carriers. The company compares policy features and premium schedules during this process to match a client with a suitable benefit period and elimination period.
Allied Benefits Solutions in Baton Rouge, LA assists clients with disability insurance, clarifying the difference between one-time policy purchases and recurring service agreements for ongoing coverage management. The agent works to secure income protection plans that replace a portion of wages if an individual becomes unable to work due to illness or injury. Policies are tailored to local professionals and small business owners. Service runs on a as-needed basis for policy adjustments and claims support.
The Louisiana Insurance Center specializes in helping individuals secure disability income protection to safeguard their earnings. The agency serves clients in Baton Rouge by evaluating coverage options for a variety of professions and medical backgrounds. It guides policyholders through the application process and ongoing plan management. During tax season, the agency often assists self-employed professionals and small business owners in integrating disability insurance into their financial strategies to protect against unexpected loss of income.
Many Baton Rouge residents face an unexpected illness or injury that temporarily or permanently stops their ability to earn a paycheck. Insurance & Financial Services, Inc works with local professionals and business owners to understand how disability coverage protects their household income during these periods of recovery. Their agents assess each client’s current financial obligations and employment structure to match policies that replace lost wages. An initial consultation begins with a review of existing employer benefits and a discussion of personal financial risks that a policy must address.
Independent Insurance Agents is a Baton Rouge firm serving metropolitan area residents who need disability income protection during unexpected periods of illness or injury. Commercial clients across the region also consult the agency for disability coverage that safeguards their operational continuity during a key person’s absence. Because disability policies often require periodic review as earnings or health conditions shift, the agency regularly follows up with each policyholder to recommend adjustments, ensuring smooth coverage between scheduled visits.
Lewis Mohr Insurance Agency assists individuals and businesses in Baton Rouge with disability insurance coverage, focusing on policies that replace income when an illness or injury prevents work. The agency tailors these plans to address specific financial needs, offering both short-term and long-term policy options. Its specialty add-ons include customizing benefit amounts and elimination periods. This service helps protect employees across diverse commercial sectors, including local offices, warehouses, and food service establishments.
J. Price McNamara: Disability, Life, AD&D Insurance Attorneys in Baton Rouge, Louisiana, is known for offering legal guidance in obtaining disability insurance coverage. The firm assists clients with navigating complex policy terms and filing claims for lost income due to injury or illness. Its service range includes representing individuals in disputes with insurance carriers over denied or delayed benefits. For added protection, the company can help clients secure supplemental accidental death and dismemberment policies to cover severe injuries or loss of life.
What Does a a Disability Insurance Agent in Baton Rouge Cost?
Disability insurance agent services in Louisiana typically cost nothing upfront because agents earn commissions from the insurance company. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 40-year-old professional might pay between 200 and 500 dollars per month for a policy with a 90-day elimination period. Costs can be higher for high-risk occupations. This is general information and not insurance advice.
About disability insurance agents in Baton Rouge
Disability insurance agents in Baton Rouge help individuals and businesses secure income protection policies. Louisiana law requires agents to be licensed by the Louisiana Department of Insurance. Agents can guide you through policy options and assist with claims specific to Louisiana regulations.
Frequently Asked Questions
What does a disability insurance agent in Baton Rouge do?
A disability insurance agent helps you find and purchase a policy that fits your needs. They explain coverage terms, exclusions, and benefit periods. Agents also assist with filing claims and understanding Louisiana insurance laws.
How do I choose a disability insurance agent in Louisiana?
Look for a licensed agent with experience in disability insurance. Check their standing with the Louisiana Department of Insurance. Ask about their knowledge of Louisiana specific policy requirements and claim procedures.
Are there time limits for filing a disability claim in Louisiana?
Louisiana law does not set a specific time limit for filing disability claims, but policies often have their own deadlines. Most policies require prompt notice of disability. Review your policy terms carefully to avoid missing important deadlines.
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