The top-rated disability insurance agent in Andover, Massachusetts is Segreve & Hall Insurance Associates Inc., rated 5.0 stars across 622 reviews. Other highly rated options include The Andover Companies, My Family Life Insurance, HUB International. This directory lists 10 disability insurance agents serving Andover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Segreve & Hall Insurance Associates Inc. | 1 Tech Dr | (978) 975-1300 |
| 2 | The Andover Companies | 95 Old River Rd | (978) 475-3300 |
| 3 | My Family Life Insurance | 300 Brickstone Square Suite 201 | (800) 645-9841 |
| 4 | HUB International | 300 Ballardvale St | (978) 657-5100 |
| 5 | Doherty Insurance Inc | 21 Elm St | (978) 475-0260 |
| 6 | Samel Insurance Inc | 15 Central St | (978) 474-0810 |
| 7 | Protection Solutions Insurance | 138 River Rd #107 | (978) 660-6588 |
| 8 | New York Life Insurance | 10 New England Business Ctr Dr 2nd Floor | (978) 681-4300 |
| 9 | Howe Insurance Agency | 4 Punchard Ave | (978) 475-0400 |
| 10 | Custom Benefits Group | 300 Brickstone Square Suite 201 | (978) 662-5120 |
Segreve & Hall Insurance Associates Inc. serves the Andover, Massachusetts area and the surrounding Merrimack Valley region. The agency specializes in disability insurance, helping local professionals and self-employed individuals protect their income. As a dedicated insurance agent, the firm guides clients through the process of assessing coverage needs and selecting appropriate policies. This includes short-term disability plans to cover temporary illnesses or injuries and longer-term individual disability income policies designed for sustained financial protection during extended absence from work.
The Andover Companies provides services as a local disability insurance agent in Andover, Massachusetts. It offers guidance for individuals seeking policies to protect their income against unforeseen medical circumstances. Service plans include consultations to explain policy features, customizing coverage options, and assisting with application procedures. Maintenance plans involve periodic policy reviews and updates to align with changing client needs. The company services single-family homes, apartments, retail, and restaurants.
My Family Life Insurance in Andover, Massachusetts, serves local homeowners and business owners seeking income protection. The agency assists clients in finding disability insurance policies that replace a portion of their earnings if they become unable to work due to illness or injury. It evaluates individual coverage needs for self-employed professionals, small business owners, and employees. By working directly with insurers, the agency provides clear policy comparisons and answer questions about benefit periods and elimination periods. Its service area extends into nearby North Andover and Lawrence.
HUB International provides residential disability insurance services to individuals in Andover, Massachusetts, helping to protect personal income during illness or injury. The agency also offers commercial coverage for local businesses requiring group disability plans for their employees. Serving Andover and the surrounding communities, HUB International assists clients in selecting appropriate policies from available options. The agency focuses on building ongoing relationships, ensuring that policyholders can follow up after their initial enrollment and receive regular service between scheduled reviews.
Doherty Insurance Inc serves Andover, Massachusetts, and the surrounding Merrimack Valley communities with specialized disability insurance agent services. The company handles individual disability income policies for professionals and small business owners in the area, along with group long-term disability coverage for local employers. Their general approach to a typical job involves first evaluating a client’s occupation and income needs, then comparing policy provisions from multiple carriers to secure coverage matching the client’s specific risk exposures.
Samel Insurance Inc in Andover, MA advises clients on the difference between one-time disability policies for short-term needs and recurring group plans for ongoing salary protection. Coverage is tailored to help replace income if illness or injury prevents work, which is essential for professionals in the area. Service for new policy applications typically runs on a one-time basis, while ongoing plan reviews and adjustments are available on a scheduled or as-needed basis.
Protection Solutions Insurance offers specialized guidance on disability income protection, helping clients secure coverage that replaces a portion of their earnings if illness or injury prevents work. The Andover agency assists professionals and small business owners throughout the region in comparing policy terms, waiting periods, and benefit amounts. It regularly reviews existing plans to address lifestyle and career changes. End-of-year planning often involves evaluating coverage needs before open enrollment periods or tax-related health savings account deadlines.
New York Life Insurance in Andover, Massachusetts, is recognized for offering reliable disability insurance solutions tailored to local professionals and business owners. Its services include assisting individuals in protecting income against unforeseen medical conditions and accidents. The agency guides clients through policy selection to ensure adequate coverage aligns with long-term financial goals. Their approach emphasizes straightforward consultations to clarify benefit terms and exclusions. A specialty service they can add on is creating supplemental residual disability benefits for partial income loss scenarios.
As winter approaches in Andover, residents often review their financial protections against unexpected illness or injury. Howe Insurance Agency provides local guidance on disability insurance plans that replace a portion of lost income when a health issue prevents work. The agency helps clients understand policy options that fit varied professions and personal budgets, ensuring individuals and families maintain financial stability during recovery periods. Every consultation begins with a thorough review of the applicant’s current earnings and occupation to assess appropriate coverage levels and potential waiting periods.
Custom Benefits Group is a local firm in Andover, MA that assists individuals and employers with securing disability insurance coverage. Its work focuses on helping clients protect their income through both short-term and long-term disability policies. The agency tailors these plans to meet specific financial needs and job-related risks. This service is available for those working in a variety of commercial settings, including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Andover Cost?
Typical costs for individual disability insurance in Massachusetts range from 1 percent to 3 percent of annual income. For a 40 year old professional earning 100,000 dollars, a policy might cost 100 to 250 dollars per month. Costs vary by age, health, occupation, and benefit features. This is general information, not insurance advice.
About disability insurance agents in Andover
Disability insurance agents in Andover Massachusetts help individuals and businesses find coverage that protects income if injury or illness prevents work. Massachusetts state law requires employers to provide a short-term disability benefit through the Paid Family and Medical Leave program. A local agent can explain how private policies supplement state benefits and meet specific needs.
Frequently Asked Questions
What does a disability insurance agent in Andover do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods and benefit durations. They also assist with filing claims and understanding Massachusetts PFML offsets.
How does Massachusetts PFML affect private disability insurance?
Massachusetts Paid Family and Medical Leave provides partial wage replacement for up to 26 weeks. A private disability insurance policy can be structured to coordinate with PFML benefits. An agent can show you how to avoid gaps in coverage.
Do I need a disability insurance agent if my employer offers coverage?
Employer group plans may have limits on benefit amounts and duration. An independent agent can review your employer policy and suggest supplemental individual coverage. This is especially important for high earners in Andover.