The top-rated disability insurance agent in Salem, New Hampshire is Dave Newman - State Farm Insurance Agent, rated 4.9 stars across 92 reviews. Other highly rated options include Mary Logue: Allstate Insurance, Ed Ibanez - State Farm Insurance Agent, AAA Salem. This directory lists 13 disability insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dave Newman - State Farm Insurance Agent | 220 N Broadway | (603) 893-5200 |
| 2 | Mary Logue: Allstate Insurance | 55 S Broadway | (603) 893-0980 |
| 3 | Ed Ibanez - State Farm Insurance Agent | 264 N Broadway Unit 204 Ste B | (603) 212-7034 |
| 4 | AAA Salem | 489 S Broadway | (603) 898-9953 |
| 5 | Santo Insurance & Financial Services, Inc. | 224 Main St Ste 2a | (603) 890-6439 |
| 6 | Gold Lion Insurance Agency | 403 Main St #208 | (603) 458-6878 |
| 7 | HealthMarkets Insurance - Chris Martin | 294 N Broadway | (603) 560-5486 |
| 8 | Insurance Express | 221 N Broadway | (617) 906-7000 |
| 9 | HealthMarkets | 294 N Broadway ste c | (603) 952-4015 |
| 10 | HealthMarkets Insurance - Diane Pelletier | 294 N Broadway ste c | (603) 327-7676 |
Dave Newman – State Farm Insurance Agent in Salem, NH, provides a range of disability insurance services, including helping individuals assess their income protection needs and selecting appropriate policy options. Ongoing service plans focus on reviewing coverage as life circumstances change and assisting with claims filing. The agency serves clients protecting their financial stability across various property types, including single-family homes, apartments, retail spaces, and restaurants.
Mary Logue: Allstate Insurance serves the Salem, New Hampshire region as a local disability insurance agent. The agency helps residents find disability insurance to replace a portion of income if illness or injury prevents them from working. Policies are designed to provide financial protection for individuals and families during recovery. The office guides clients through the selection of coverage options suited to different occupations and lifestyles. Specific services handled include short-term disability policies for temporary injuries and long-term disability plans for more extended health challenges.
Serving Salem, New Hampshire, and the surrounding communities, Ed Ibanez - State Farm Insurance Agent provides disability insurance guidance to local residents and professionals. The agency handles policy options that help protect income if a client becomes unable to work due to illness or injury. Its general approach involves reviewing each individual's employment situation and financial obligations to recommend an appropriate coverage plan from available carriers.
AAA Salem serves homeowners, renters, and small business owners in the Salem, New Hampshire area who need guidance on disability insurance policies. This agency helps clients understand how disability coverage can protect their income if an injury or illness prevents them from working. It assists with policy selection, claims paperwork, and plan comparisons tailored to individual needs. You can find guidance for families and professionals throughout Salem and the nearby communities along the Interstate 93 corridor, including Windham and Derry.
Santo Insurance & Financial Services, Inc. assists local residents with disability insurance, offering both one-time consultations and ongoing policy management services. Coverage from the Salem, NH agency can help protect an individual’s income in case of illness or injury. A dedicated agent evaluates each client’s unique financial situation to recommend appropriate benefit amounts and elimination periods. Policy terms are also reviewed periodically to keep pace with changing needs. Annual plan audits, updates to coverage levels, and claims assistance are all provided as-needed, rather than on a fixed schedule.
As seasonal workers in Salem return from winter breaks or face shifts in local construction and retail schedules, income stability can become uncertain. Gold Lion Insurance Agency in Salem, NH assists these individuals and other local professionals by explaining how disability insurance protects earnings if illness or injury prevents work. They discuss policy features like benefit periods and waiting times during a no-obligation meeting. A brief initial assessment of current coverage and income needs then follows to identify possible gaps.
HealthMarkets Insurance - Chris Martin helps individuals and businesses in Salem, New Hampshire evaluate their options for income protection through disability insurance. Its services focus on designing coverage that can replace lost earnings if a client becomes unable to work due to a qualifying illness or injury. The agency works with a variety of commercial sectors that require reliable payroll protection, including professional offices, distribution warehouses, and the food service industry.
Insurance Express provides disability insurance agent services for individuals and businesses in Salem, New Hampshire. It assists clients in securing coverage to protect income against illness or injury, tailoring policies to various professional needs and budgets. The agency guides applicants through policy selection and the claims process. With the area's winter weather posing increased risks of accidents or prolonged recovery, it helps residents and local workers safeguard their earnings during unexpected medical leave.
HealthMarkets provides residential disability insurance services to individuals in Salem, New Hampshire, helping protect personal income from unexpected injuries or illnesses. The agency also offers commercial disability coverage for local small businesses and their employees. Serving both Salem and the surrounding area, the company guides clients through policy options and filing procedures. Between regular visits, the agency assists with claims follow-up and policy adjustments, ensuring that repeat clients receive ongoing support as their coverage needs evolve.
What Does a a Disability Insurance Agent in Salem Cost?
Disability insurance agent services in Salem typically cost nothing upfront, as agents earn commissions from the insurance carrier. Policy premiums in New Hampshire range from 1% to 3% of your annual income, depending on age, health, and coverage amount. For example, a 35-year-old earning $60,000 might pay $50 to $150 per month for a policy. Costs vary by case. This is general information, not insurance advice.
About disability insurance agents in Salem
Disability insurance agents in Salem, New Hampshire help individuals and businesses secure income protection policies. New Hampshire does not mandate private disability insurance, but agents can guide you on state-specific options like short-term or long-term coverage. Working with a local agent ensures you understand how New Hampshire laws, such as the 180-day elimination period common in many policies, apply to your situation.
Frequently Asked Questions
What does a disability insurance agent in Salem do?
A disability insurance agent in Salem helps you compare policies from multiple carriers, explains coverage options, and assists with the application process. They can also help you understand how New Hampshire state laws affect your policy, such as the requirement for insurers to provide a written explanation if a claim is denied.
How do I choose a disability insurance agent in New Hampshire?
Look for an agent licensed in New Hampshire with experience in disability insurance. Ask about their familiarity with local employers and New Hampshire specific regulations, like the states 30-day deadline for insurers to respond to a claim.
Are disability insurance premiums tax deductible in New Hampshire?
Premiums paid with after-tax dollars are generally not tax deductible. However, if your employer pays the premiums, the benefits may be taxable. New Hampshire has no state income tax, so you do not need to worry about state deductions for disability insurance.
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