The top-rated disability insurance agent in Alamogordo, New Mexico is Amy Tillotson - State Farm Insurance Agent, rated 4.9 stars across 152 reviews. Other highly rated options include Farmers Insurance - Trisha Roberts, Cesar Nava - State Farm Insurance Agent, USA Insurance. This directory lists 20 disability insurance agents serving Alamogordo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Amy Tillotson - State Farm Insurance Agent | 1018 Vermont Ave | (575) 437-3811 |
| 2 | Farmers Insurance - Trisha Roberts | 1909 Indian Wells Rd | (575) 434-8114 |
| 3 | Cesar Nava - State Farm Insurance Agent | 1222 N White Sands Blvd | (575) 446-4246 |
| 4 | USA Insurance | 3310 N White Sands Blvd | (575) 439-9999 |
| 5 | George Gandy Insurance | 912 Adams Ave | (575) 437-2892 |
| 6 | David Quinlan - State Farm Insurance Agent | 351 Panorama Blvd | (575) 446-4022 |
| 7 | Javier Lerma: Allstate Insurance | 820 E 10th St | (575) 812-8030 |
| 8 | Edd Gauldin - State Farm Insurance Agent | 2904 N White Sands Blvd | (575) 437-9948 |
| 9 | Fred Loya Insurance | 200 E 1st St Ste D | (575) 434-0355 |
| 10 | Farmers Insurance - John Glass | 200 N White Sands Blvd | (575) 437-3807 |
Amy Tillotson - State Farm Insurance Agent serves the Alamogordo, New Mexico area as a disability insurance agent. This agency helps local residents understand how disability coverage can protect their income if an illness or injury prevents them from working. They work with individuals to review policy options that suit different career types and financial situations. In this area, the agency handles both short-term and long-term disability insurance solutions for clients.
Farmers Insurance - Trisha Roberts provides disability insurance agent services in the Alamogordo area. Its offerings help clients secure income protection through tailored disability policies, with maintenance plans to review coverage needs over time. The service addresses both individual and group disability solutions for local residents. The agency services single-family homes and apartments, as well as local retail and restaurant businesses.
Cesar Nava - State Farm Insurance Agent serves homeowners, renters, and small business owners in Alamogordo, New Mexico, by providing disability insurance policies that replace a portion of income if an injury or illness prevents work. The agency helps clients understand how waiting periods and benefit durations affect their coverage. Routine policy reviews are offered to adjust plans as life circumstances change. This agent also covers clients in the surrounding Otero County area, including the community of Tularosa.
Serving Alamogordo and the surrounding Otero County communities, USA Insurance specializes in helping individuals and families secure disability insurance coverage. The company addresses the financial risks of a potential injury or illness that prevents someone from working. Its agents guide clients through the process of selecting policy terms and benefit amounts to protect their income. To handle a typical case, the company assesses a client's current employment situation and earnings, then recommends a suitable plan that aligns with their budget and coverage needs.
George Gandy Insurance serves the Alamogordo, New Mexico area as a Disability Insurance Agent. The company assists local residents with securing financial protection against income loss due to illness or injury. Their main services focus on helping clients understand policy options and select appropriate coverage tailored to individual needs. They navigate the application process and explain benefit terms for short-term and long-term disability insurance. Among the specific services handled here are individual disability income policies and employer-sponsored group disability plans.
David Quinlan as a State Farm Insurance agent in Alamogordo, NM helps clients understand the distinction between one-time disability policies that provide a lump sum for a qualifying loss and recurring coverage that replaces income on a regular basis during an extended inability to work. Protect your earnings against unforeseen medical conditions or accidents that prevent you from performing your job duties. Consultation and policy management services run on an as-needed basis for new enrollments, policy reviews, or claim assistance.
Javier Lerma: Allstate Insurance in Alamogordo, New Mexico, provides disability insurance agent services specializing in helping individuals secure income protection plans for long-term or short-term disabilities. It offers general insurance consultations to address local policy needs for self-employed workers and salaried employees alike. Seeing a physician or recovering from a surgery can raise concerns about lost wages during healing, and this agency assists clients in understanding coverage options for such specific seasonal or situational medical absences.
Edd Gauldin - State Farm Insurance Agent in Alamogordo, NM, provides individual and group disability coverage as part of its broader insurance services. The agency specializes in policies that replace a portion of a policyholder’s income if they become unable to work due to illness or injury. These plans help protect monthly earnings and long-term financial stability. Businesses such as offices, warehouses, and food service operations can secure tailored disability insurance for their employees through this local agent.
When seasonal changes or shifts in local employment affect Alamogordo residents, securing income protection becomes a priority. Fred Loya Insurance assists by evaluating individual needs for disability coverage. Their agents explain how policies provide partial wage replacement during recovery periods. An initial assessment reviews current income sources and health considerations to recommend suitable plan limits. This straightforward consultation eliminates confusion about waiting periods and benefit durations. A first appointment includes a review of personal occupation risks and existing coverage details.
Farmers Insurance - John Glass provides disability insurance agent services to residential clients in Alamogordo, New Mexico, addressing personal coverage needs with thorough consultations. Commercial coverage is also available for local businesses seeking income protection solutions. The agency serves clients throughout the Alamogordo area, offering guidance on policy options. Follow-up support is provided to review any policy adjustments or questions that arise between regular visits.
What Does a a Disability Insurance Agent in Alamogordo Cost?
Disability insurance agent services in New Mexico typically cost nothing upfront because agents earn commissions from insurance carriers. Policy premiums vary widely from 1% to 3% of your annual income for individual coverage. For example, a 35-year-old earning 50000 per year might pay 500 to 1500 annually for a policy. Costs depend on your health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Alamogordo
Disability insurance agents in Alamogordo New Mexico help individuals and businesses protect their income. They guide clients through policy options and claims processes. New Mexico law requires agents to be licensed by the state and follow specific disclosure rules for disability policies.
Frequently Asked Questions
What does a disability insurance agent in Alamogordo do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods, elimination periods, and occupation definitions. They also assist with filing claims and appealing denials under New Mexico insurance regulations.
How do I choose a disability insurance agent in Alamogordo New Mexico?
Look for an agent licensed in New Mexico with experience in disability coverage. Ask about their knowledge of local medical providers and New Mexico disability laws. Check their reputation with the New Mexico Office of Superintendent of Insurance.
What New Mexico laws affect disability insurance policies?
New Mexico statutes require insurers to act in good faith and pay valid claims promptly. The state has a 30-day deadline for insurers to respond to claims. Policyholders have up to 4 years to file a lawsuit for breach of contract.
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