The top-rated disability insurance agent in Everett, Massachusetts is Point Insurance - Everett, rated 4.7 stars across 622 reviews. Other highly rated options include Thrust Insurance Agency - Everett, Northeastern Insurance Agency, Sabatino/Mastrocola Insurance Agency. This directory lists 15 disability insurance agents serving Everett.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Point Insurance - Everett | 1885 Revere Beach Pkwy | (617) 381-6240 |
| 2 | Thrust Insurance Agency - Everett | 2034 Revere Beach Pkwy | (617) 568-3000 |
| 3 | Northeastern Insurance Agency | 743 Broadway | (617) 207-2140 |
| 4 | Sabatino/Mastrocola Insurance Agency | 519 Broadway | (617) 387-7466 |
| 5 | Lucas Borbas - Fox & Bsb Insurance Agency | 369 Broadway | (857) 200-0256 |
| 6 | Angels Insurance Corporation | 425A Broadway | (617) 389-7300 |
| 7 | Sanviti Insurance Agency, Inc. | 699 Broadway | (617) 389-2020 |
| 8 | Francis J La Rovere Insurance | 492 Broadway | (617) 387-9700 |
| 9 | Michael Longo Insurance | 451 Broadway | (617) 387-0619 |
| 10 | Messinger Insurance Inc | 475 Broadway | (617) 387-2700 |
Point Insurance, based in Everett, Massachusetts, serves clients throughout Middlesex County as a disability insurance agent. The company helps individuals and small businesses understand and secure disability income protection policies. These plans provide financial support when an illness or injury prevents a person from working. Typical work includes comparing policy options from different carriers to find suitable coverage. Point Insurance also assists with long-term disability insurance for professionals seeking to safeguard their earnings over an extended period.
Thrust Insurance Agency - Everett provides disability insurance agent services to individuals and professionals in the Everett area. It guides clients in selecting appropriate coverage to protect income against injury or illness, helping them understand policy terms and benefit structures. Ongoing service includes reviewing existing plans for changes in client needs or circumstances. The agency serves local property owners and tenants, offering support for single-family homes, apartments, retail, and restaurants.
Serving homeowners, renters, and local business owners in Everett, Massachusetts, Northeastern Insurance Agency provides disability insurance agent services. It helps individuals and families secure income protection policies to replace lost wages during illness or injury, and assists businesses in structuring group disability plans for employees. The agency also offers guidance on policy terms and coverage limits to meet specific needs. Its service area extends into the neighboring communities of Malden, Medford, and the surrounding Greater Boston metro region.
Sabatino/Mastrocola Insurance Agency serves disability insurance clients in Everett, Massachusetts, and the surrounding communities. It handles applications for individual and group disability income policies that help replace lost wages due to illness or injury. The agency works with clients to assess their occupation and earnings in order to identify appropriate coverage options. To handle a typical job, it first reviews the client’s current financial situation and then presents suitable policy choices without high-pressure sales tactics.
When pursuing a short-term disability policy, clients choose between a single quote or an ongoing review of changing options, whereas long-term coverage often requires a more detailed, recurring consultation to address evolving income needs. In Everett, MA, Lucas Borbas - Fox & Bsb Insurance Agency assists individuals and professionals with these decisions, explaining how policy benefits replace lost wages during illness or injury. The service operates on a scheduled basis, coordinating with clients to reassess coverage as their circumstances shift over time.
Angels Insurance Corporation specializes in structuring disability income protection for professionals in Everett, Massachusetts, and then expands its services to advise local small business owners on employee benefit packages. The agency helps clients evaluate individual policies that replace a portion of earnings lost during a medical leave. Recognizing that a sudden illness or injury can disrupt household budgets, the firm also assists with occupational coverage details and elimination period choices. During open enrollment seasons, Angels Insurance Corporation specifically guides self-employed workers who need to secure coverage independently.
As the cold New England winter gives way to the thawing streets of Everett, many residents begin reevaluating their financial safeguards against unexpected income loss. Sanviti Insurance Agency, Inc. operates within this need, providing disability insurance agent services tailored to local professionals and tradespeople. Their role includes assessing how an illness or injury could disrupt a household’s primary earnings. An initial consultation begins with a review of an applicant’s current occupation and coverage goals, which leads directly to a personalized coverage-needs analysis and risk evaluation.
Francis J La Rovere Insurance works with clients in Everett to find disability insurance coverage that helps replace income if illness or injury prevents them from working. The agency specializes in tailoring policies to fit individual needs, offering both short-term and long-term disability options for added security. These plans can support a range of local commercial sectors, including offices, warehouses, and food service businesses.
Michael Longo Insurance provides disability insurance services to residents in their own homes throughout Everett, Massachusetts. The agency also offers commercial disability coverage for local small businesses and independent professionals operating within the greater Boston area. Clients receive personalized consultations to assess their need for income protection in case of illness or injury. Policy options are explained clearly, helping individuals and business owners choose appropriate plans. Follow-up assistance is available between regular in-person visits to address changes in coverage or answer ongoing questions.
What Does a a Disability Insurance Agent in Everett Cost?
Typical costs for disability insurance in Massachusetts range from 1% to 3% of your annual income for short-term policies and 2% to 4% for long-term policies. For a person earning $50,000 per year, this could mean $500 to $2,000 annually. Premiums vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Everett
Disability insurance agents in Everett, Massachusetts help individuals and businesses find coverage that protects income if you cannot work. Massachusetts law requires employers to provide short-term disability coverage through the Paid Family and Medical Leave program, but private agents can help you get additional long-term protection. Working with a local agent ensures you understand how state benefits interact with private policies.
Frequently Asked Questions
What does a disability insurance agent in Everett do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs and budget. They explain policy terms, exclusions, and how Massachusetts state benefits affect your private coverage. They do not handle claims but can guide you on the process.
Do I need disability insurance if I have Massachusetts PFML?
Massachusetts Paid Family and Medical Leave provides partial wage replacement for a limited time. Private disability insurance can supplement this to cover a higher percentage of your income or extend benefits beyond the state limit. An agent can help you decide if additional coverage is right for you.
How do I choose a disability insurance agent in Everett?
Look for an agent licensed in Massachusetts with experience in disability insurance. Ask about their knowledge of state laws and how they compare policies from multiple carriers. Check their reviews and ensure they explain all fees and policy details clearly.