The top-rated disability insurance agent in Marlborough, Massachusetts is Globe Life American Income Division: Moore Sodan Gelb Organization, rated 4.9 stars across 1,399 reviews. Other highly rated options include Jeffrey (JP) Phillips at Comparion Insurance Agency, FAZZA INSURANCE, Ultimate Insurance Agency. This directory lists 20 disability insurance agents serving Marlborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Moore Sodan Gelb Organization | 65 Boston Post Rd W #200 | (508) 658-9635 |
| 2 | Jeffrey (JP) Phillips at Comparion Insurance Agency | 11 Apex Dr Suite 204B | (508) 621-0176 |
| 3 | FAZZA INSURANCE | 401 Maple St | (888) 212-0176 |
| 4 | Ultimate Insurance Agency | 28 Boston Post Rd E | (508) 485-1835 |
| 5 | KHANH NGUYEN at Comparion Insurance Agency | 11 Apex Dr Suite 204B | (508) 621-3859 |
| 6 | Shaun Beauregard at Comparion Insurance Agency | 11 Apex Dr Suite 204B | (508) 621-3682 |
| 7 | Stephen W. Gersh Insurance Agency Inc. | 9 Monument Ave | (508) 485-1926 |
| 8 | Hutchins & Threatt Insurance Agency Inc | 4 Mt Royal Ave Suite 350 BUIlDING # 4, 3rd floor | (508) 460-0800 |
| 9 | D. Francis Murphy Insurance Agency | 200 Main St | (508) 485-8211 |
| 10 | Downey Insurance Group | 190 E Main St | (508) 485-0130 |
Globe Life American Income Division: Moore Sodan Gelb Organization serves the greater Marlborough, Massachusetts, area as a disability insurance agent. It provides individual and group disability income protection policies designed to replace a portion of lost earnings if an injury or illness prevents work. These plans help local residents and businesses safeguard their finances against income interruption. The agency specifically handles enrollment for employer-sponsored group disability plans and consults on standalone personal disability coverage for self-employed professionals.
Jeffrey (JP) Phillips at Comparion Insurance Agency in Marlborough, MA, provides disability insurance agent services, helping clients secure coverage that protects their income if illness or injury prevents them from working. The agency offers guidance on plan selection and assists with applications to ensure appropriate coverage levels. Service includes reviewing policy options to match individual needs and financial situations. The company serves single-family homes, apartments, retail establishments, and restaurants.
FAZZA Insurance serves clients in Marlborough, Massachusetts, and the surrounding communities with disability insurance agent services. It handles applications for individual and employer-based disability policies that provide income protection if a client becomes unable to work due to illness or injury. The agency evaluates each client’s occupation and income to recommend appropriate coverage levels and policy terms. For a typical job, it begins with a thorough consultation to understand the client’s specific risk factors, then compares options from multiple carriers to secure suitable plan details.
Ultimate Insurance Agency serves homeowners, businesses, and property managers in Marlborough, Massachusetts, by helping them secure disability insurance coverage. The agency guides clients through policy options designed to protect income if illness or injury prevents work. It explains plan benefits for both short-term and long-term disability scenarios, ensuring informed decisions about financial safeguards. Customers receive personalized assistance in comparing insurers and understanding coverage limits. The agency also supports clients in nearby Framingham and throughout the broader MetroWest region of central Massachusetts.
As winter weather increases the risk of slips and falls on icy sidewalks in the Marlborough area, KHANH NGUYEN at Comparion Insurance Agency helps local workers protect their income through customized disability insurance plans. This agent assesses each client’s occupation and potential loss of earnings due to injury or illness. The process begins with a thorough initial consultation to evaluate individual coverage needs and current financial protections.
Shaun Beauregard at Comparion Insurance Agency specializes in disability insurance agent services, assisting local clients in Marlborough, Massachusetts. This work helps individuals secure income replacement plans for times when illness or injury prevents employment. The agency supports residents in evaluating policy options that address long-term financial stability. As the colder months arrive, the firm becomes especially adept at guiding professionals through claims related to seasonal weather accidents and unexpected health setbacks affecting their ability to work.
Stephen W. Gersh Insurance Agency Inc. in Marlborough provides disability insurance, which typically involves a choice between one-time policy purchases for fixed terms and recurring plans with ongoing premium payments to maintain long-term coverage. Their work includes helping clients evaluate income protection options tailored to individual circumstances in the local area. This agency follows an as-needed service basis, with clients able to reach out whenever they require policy reviews, new plan acquisitions, or adjustments to existing coverage.
Serving residential needs across Marlborough and its surrounding communities, the D. Francis Murphy Insurance Agency also provides disability coverage solutions for local commercial operations. Their work focuses on helping individuals and business owners understand income protection options that support financial stability during illness or injury. The agency serves clients throughout the greater Marlborough area with clear guidance on plan selections and application processes. After an initial policy placement, agents assist with future coverage adjustments or claims inquiries whenever a client reaches out between scheduled annual reviews.
Downey Insurance Group works with individuals and businesses in the Marlborough area to find coverage that protects income during illness or injury. The agency specializes in disability insurance policies, helping clients tailor benefits to their specific financial obligations. They guide applicants through medical underwriting and policy exclusions to ensure clear expectations. The agency can serve a range of commercial sectors, including office buildings, warehouses, and food service operations requiring employee protection plans.
What Does a a Disability Insurance Agent in Marlborough Cost?
Disability insurance costs in Massachusetts vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old professional earning 100,000 dollars, a policy might cost 100 to 250 dollars per month. Costs are higher for high-risk occupations or pre-existing conditions. This is general information and not insurance advice.
About disability insurance agents in Marlborough
Disability insurance agents in Marlborough Massachusetts help residents and businesses secure income protection. Massachusetts law requires certain employers to provide short-term disability coverage through the Paid Family and Medical Leave program. An agent can explain how private policies supplement state benefits and protect your income.
Frequently Asked Questions
What does a disability insurance agent in Marlborough do?
A disability insurance agent helps you compare policies from different carriers. They explain policy features like elimination periods and benefit amounts. They do not provide legal advice but can guide you on coverage options.
Does Massachusetts require employers to offer disability insurance?
Massachusetts requires most employers to provide paid family and medical leave through the state program. Private disability insurance is optional but can provide higher benefits and shorter waiting periods. An agent can help you understand how private coverage works with the state plan.
How long does it take to get a disability insurance policy in Massachusetts?
The application process typically takes two to six weeks. Underwriting involves reviewing your medical history and occupation. Some policies have a 30-day waiting period before benefits begin.