The top-rated disability insurance agent in Lynnfield, Massachusetts is Soderberg Ins. Services, rated 4.9 stars across 167 reviews. Other highly rated options include Johnson & Rohan Insurance, DiVirgilio Insurance Agency & On-Time Payroll, Success Insurance Inc. This directory lists 11 disability insurance agents serving Lynnfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Soderberg Ins. Services | 200 Broadway Suite 201 | (781) 593-9393 |
| 2 | Johnson & Rohan Insurance | 50 Salem St | (781) 224-0909 |
| 3 | DiVirgilio Insurance Agency & On-Time Payroll | 932 Lynnfield St | (781) 592-5220 |
| 4 | Success Insurance Inc | 550 Summer St # 1 | (781) 819-3692 |
| 5 | Mutual Insurance MA | 28 Heritage Ln | (339) 210-5868 |
| 6 | Senior Insurance Lynnfield | 40 Salem St bldg 1 | (339) 219-1236 |
| 7 | Sylvia F. Costa Insurance | 462 Broadway | (339) 440-4669 |
| 8 | Philbin Insurance Group | 220 Broadway STE 304 | (781) 596-0033 |
| 9 | Pantano Insurance | 220 Broadway STE 202 | (781) 581-3100 |
| 10 | Mosse & Mosse Associates | 50 Salem St | (781) 224-1709 |
Soderberg Ins. Services serves Lynnfield and the surrounding Essex County area as a disability insurance agent. The company helps residents understand the complexities of disability coverage, which can protect a portion of income if an illness or injury prevents work. Agents guide clients through policy options that address both short-term recovery and long-term needs. Soderberg Ins. Services handles applications for both individual disability policies and group plans offered through local employers in the Lynnfield region.
Johnson & Rohan Insurance provides disability insurance agency services to clients in Lynnfield, Massachusetts. Its representatives guide individuals through policy options designed to replace a portion of lost income if they cannot work due to illness or injury. The agency also assists clients with reviewing existing coverage and updating plans to reflect changes in employment or health status. Through regular consultations, policyholders can maintain appropriate protection over time. The firm serves single‑family homeowners, apartment residents, retail operators, and independent restaurant owners.
DiVirgilio Insurance Agency & On-Time Payroll serves homeowners, small business owners, and independent contractors in Lynnfield, Massachusetts, by providing disability insurance policies designed to replace lost income during illness or injury. The agency helps clients evaluate policy options and navigate application processes to protect their financial stability. It also assists local employers in setting up group disability plans for their workforce. Lynnfield residents receive personalized attention, and the agency also covers nearby communities such as Wakefield and the broader North Shore metro area.
Serving Lynnfield and the surrounding communities in Essex County, Success Insurance Inc handles disability insurance for local professionals and small business owners. Its policies assist clients in safeguarding their income should illness or injury prevent them from working. The agency reviews each individual's occupation, current coverage gaps, and monthly expenses. For a typical job, it compares multiple insurers to find suitable policy terms and benefit periods, then structures the plan to meet the client's specific financial needs and budget.
Mutual Insurance MA in Lynnfield addresses both one-time policy evaluations and ongoing claims management as a disability insurance agent, tailoring coverage options to protect professionals against income loss from illness or injury. These services help clients secure policies that replace a portion of their earnings during extended disability. The firm ensures that each client receives guidance on coverage terms and benefit triggers. Service runs on a one-time, scheduled, or as-needed basis depending on individual policy lifecycle needs.
As the New England winter approaches, residents of Lynnfield often review their financial protections against unexpected illness or injury. Senior Insurance Lynnfield responds by serving as a disability insurance agent in the area, guiding clients through policy options that replace lost income during recovery. They focus on individual and group plans tailored to varying professional needs. An initial consultation typically begins with a review of the applicant’s current coverage and employment benefits to identify any gaps in protection.
Sylvia F. Costa Insurance offers focused guidance on disability insurance, helping clients in Lynnfield and the surrounding area select policies that protect their income in the event of an injury or illness. The agency works with individuals and professionals to evaluate coverage options, explaining key policy features and assisting with the application process. It remains an important resource for those planning for unforeseen medical leaves or recovering from an unexpected surgery.
Philbin Insurance Group assists clients in Lynnfield, Massachusetts, with financial protection strategies related to income loss due to illness or injury. The company specializes as a Disability Insurance Agent, helping individuals and businesses secure coverage that replaces a portion of lost wages during recovery periods. It can serve a variety of commercial sectors, including professional offices, warehouses, and food service operations, tailoring benefit plans to different occupational risks and employment structures.
Pantano Insurance provides disability insurance agent services to individuals and businesses in Lynnfield, Massachusetts. The company focuses on helping clients understand and compare disability income protection options, as well as assisting with policy selection and claims support. Its specialty includes coordinating short-term and long-term coverage to fit different financial situations. Pantano Insurance serves various commercial sectors, including office environments, warehouse operations, and food service establishments.
Mosse & Mosse Associates serves residential clients in Lynnfield, Massachusetts by helping them select disability insurance policies that provide income protection if they are unable to work due to illness or injury. The company also offers coverage for local commercial clients, addressing business-specific disability risks to safeguard operations and key employees. Their service area includes Lynnfield and the surrounding communities. Clients may contact Mosse & Mosse Associates directly for an initial consultation, and they often return for policy reviews and adjustments between regular scheduled visits.
What Does a a Disability Insurance Agent in Lynnfield Cost?
Disability insurance premiums in Massachusetts typically range from 1% to 3% of your annual income for individual policies, depending on your age, health, occupation, and coverage amount. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Group policies through employers often cost less. Costs vary by case. This is general information, not insurance advice.
About disability insurance agents in Lynnfield
Disability insurance agents in Lynnfield, Massachusetts help residents and business owners find coverage that meets their needs. Massachusetts law requires employers to provide short-term disability coverage through the Paid Family and Medical Leave (PFML) program, but private agents can help you supplement this with additional long-term or individual policies. Working with a local agent ensures you understand how state regulations affect your benefits.
Frequently Asked Questions
What does a disability insurance agent in Lynnfield do?
A disability insurance agent helps you find and purchase disability insurance policies that replace income if you cannot work due to illness or injury. They explain different policy types, compare options from multiple carriers, and guide you through Massachusetts-specific rules like the PFML program.
Do I need disability insurance if I already have Massachusetts PFML?
Massachusetts PFML provides partial wage replacement for up to 26 weeks, but it may not cover your full income. A private disability insurance agent can help you buy a supplemental policy to fill gaps and provide longer-term or higher coverage.
How do I choose a disability insurance agent in Lynnfield?
Look for an agent licensed in Massachusetts with experience in disability insurance. Ask about their familiarity with local employers and state laws. Check their credentials and read client reviews to ensure they are reliable.