The top-rated disability insurance agent in Lewiston, Maine is Lisa Laliberte - State Farm Insurance Agent, rated 4.8 stars across 110 reviews. Other highly rated options include Sam Francis - State Farm Insurance Agent, Deanna Lynn - State Farm Insurance Agent, The Champoux Insurance Group. This directory lists 19 disability insurance agents serving Lewiston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lisa Laliberte - State Farm Insurance Agent | 224 Russell St | (207) 783-3332 |
| 2 | Sam Francis - State Farm Insurance Agent | 1510 Lisbon St | (207) 784-6731 |
| 3 | Deanna Lynn - State Farm Insurance Agent | 155 Lisbon St Suite 2 | (207) 520-2028 |
| 4 | The Champoux Insurance Group | 150 East Ave | (207) 783-2246 |
| 5 | Mark Arneault Insurance Agency | 475 Pleasant St Ste 22 | (207) 783-8752 |
| 6 | D&H Insurance | 18 Highland Spring Rd | (207) 783-9991 |
| 7 | Cross Insurance | 150 Mill St #4 | (207) 783-8591 |
| 8 | Bilodeau Insurance Agency | 541 Lisbon St | (207) 784-4029 |
| 9 | Expedient Insurance Policy ME | 315 Main St | (207) 569-3940 |
| 10 | Lewiston insurance | 29 Lowell St | (207) 517-0832 |
Lisa Laliberte - State Farm Insurance Agent serves the Lewiston, Maine metro area, specializing in disability insurance agent services. This agency helps individuals and families understand their options for income protection, offering personalized guidance on coverage that can replace lost wages if illness or injury prevents work. The local office focuses on tailoring plans to fit unique financial situations and budgets. In this area, specific services handled include short-term disability insurance for temporary injuries and long-term coverage for serious, extended health conditions.
Sam Francis - State Farm Insurance Agent in Lewiston, ME, provides a range of disability insurance services, including individual and group coverage options. It helps clients protect their income by offering plans tailored to various professional and personal needs. The agency provides ongoing policy reviews and claims assistance to ensure continued support. Its services are available to single-family homeowners, apartment dwellers, and owners of retail shops and restaurants seeking financial protection against unexpected health-related income loss.
Deanna Lynn - State Farm Insurance Agent in Lewiston, Maine, serves homeowners, renters, and local business owners seeking disability insurance coverage. The agency helps clients understand how income protection policies can provide financial stability during unexpected illness or injury. Customizing plans to fit individual budgets and needs is a core part of the service offered. This disability insurance agent additionally covers residents and businesses in the nearby communities of Auburn and the broader Androscoggin County area.
The Champoux Insurance Group serves clients in Lewiston, Maine, and the surrounding communities of Androscoggin County. It handles disability insurance policies designed to replace a portion of an individual’s income if they become unable to work due to illness or injury. The agency focuses on explaining policy terms, coverage limits, and elimination periods to ensure each client understands their options. It typically begins by assessing a client’s occupation and income level to match them with an appropriate plan.
When an individual needs financial protection after an illness or injury, Mark Arneault Insurance Agency in Lewiston, ME distinguishes between one-time policy purchases and recurring service plans. Coverage typically includes plans that replace a portion of lost income when a policyholder cannot work due to a disability. The agent guides clients through selecting appropriate benefit periods and elimination periods. Service for existing clients generally runs on an as-needed basis, with policy reviews completed upon request or when life circumstances change.
D&H Insurance specializes in disability insurance agent services for individuals and businesses in Lewiston, ME. The company assists clients with policy selection, claims guidance, and coverage adjustments to address income protection needs. It works with local residents and professionals seeking financial safeguards against unexpected health issues. As winter approaches, D&H Insurance helps clients review their policies for coverage adequacy during seasonal hazards like icy walkways and increased flu-related time off work.
As winter in Lewiston brings icy roads and increased risk of slips, many residents seek ways to protect their income from unexpected injuries. Cross Insurance provides disability insurance agent services for individuals who need coverage against lost wages during recovery. Their agents work with clients to evaluate how much income replacement is necessary. Each policy is customized to match personal employment and health needs. To begin, an initial assessment reviews current earnings, job duties, and existing benefits so the agent can recommend appropriate plan options.
Bilodeau Insurance Agency provides disability insurance solutions for individuals in the Lewiston area, focusing on protecting income against unexpected illness or injury. Operating in a region where manufacturing, retail, and agriculture form the economic backbone, its agents guide clients through policy options that address specific occupational risks. The agency’s work helps maintain financial stability when a medical condition prevents normal earnings. It serves a wide range of commercial sectors, including local offices, warehouses, and food service establishments throughout Lewiston and its surrounding communities.
Expedient Insurance Policy ME serves individuals seeking disability insurance in Lewiston. For residential clients, agents guide enrollment through policies that replace income if an injury or illness prevents work. The firm also assists Lewiston business owners in securing commercial disability coverage to protect partnerships and staff salaries. Their service area focuses on Lewiston and surrounding Androscoggin County locations. Regular contact between annual renewals or life changes helps adjust coverage to evolving client needs, ensuring follow-up service is available whenever benefit adjustments or claim guidance becomes necessary.
What Does a a Disability Insurance Agent in Lewiston Cost?
Disability insurance agent services in Maine are typically paid through commissions from the insurance company not directly by you. Policy premiums vary widely based on age health occupation and benefit amount. For a 35 year old in a low risk job a policy might cost 1% to 3% of annual income. For a higher risk occupation premiums can be 3% to 6% of annual income. This is general information not insurance advice.
About disability insurance agents in Lewiston
Disability insurance agents in Lewiston Maine help individuals and businesses find the right coverage to protect income. Maine law requires certain employers to offer group disability plans under specific conditions. A local agent can explain how Maine state regulations affect your policy options and claims process.
Frequently Asked Questions
What does a disability insurance agent do in Lewiston Maine?
A disability insurance agent helps you compare policies from different carriers. They explain coverage limits elimination periods and benefit terms. They do not handle claims but can guide you on how to file one.
Are there Maine laws that affect disability insurance?
Yes Maine has specific rules for disability insurance policies. For example Maine law requires a 30 day grace period for premium payments. Also Maine insurers must provide a free look period of 10 days to cancel a new policy.
How do I choose a disability insurance agent in Lewiston?
Look for an agent licensed in Maine with experience in disability coverage. Ask about their knowledge of Maine specific regulations. Check if they represent multiple insurance companies to give you more options.
Disability Insurance Agents in Other Maine Cities
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