The top-rated disability insurance agent in Carlsbad, New Mexico is Bonnie Ornelas - State Farm Insurance Agent, rated 4.8 stars across 110 reviews. Other highly rated options include George Gandy Insurance, Goetz 2 U Insurance, EZ Hester Agency: Allstate Insurance. This directory lists 20 disability insurance agents serving Carlsbad.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bonnie Ornelas - State Farm Insurance Agent | 304 N Canyon St Ste A | (575) 887-7681 |
| 2 | George Gandy Insurance | 710 N Canyon St | (575) 885-0171 |
| 3 | Goetz 2 U Insurance | 1614 Mission Ave | (985) 244-9457 |
| 4 | EZ Hester Agency: Allstate Insurance | 1127 S Canal St | (575) 234-1477 |
| 5 | Farmers Insurance - Roy Willis | 312 N Canal St STE C | (575) 885-3276 |
| 6 | Tom McMullan - State Farm Insurance Agent | 701 N Canal St B | (575) 887-6681 |
| 7 | Martin Lara | 409 N Canyon St | (575) 628-1876 |
| 8 | CENTURY 21 Dunagan Associates | 212 W Stevens St | (575) 234-1516 |
| 9 | Dunagan Associates | 208 W Stevens St | (575) 885-2138 |
| 10 | Montgomery Insurance Agency, part of WaFd Insurance Group | 203 W Mermod St | (575) 725-2110 |
Bonnie Ornelas - State Farm Insurance Agent serves Carlsbad and Eddy County, New Mexico. As a disability insurance agent, the company helps local residents obtain coverage that replaces a portion of income if an illness or injury prevents them from working. Policies are designed to protect wages and savings during recovery periods. The agent assists with both short-term and long-term disability plans to meet different needs and budgets. Disability income insurance and individual disability policies are specific services handled in this area.
George Gandy Insurance serves homeowners, businesses, and property managers in Carlsbad, NM, providing disability insurance agent services to protect income against illness or injury. The agency helps clients understand policy options and coverage limits to ensure adequate financial protection during periods of disability. Individual and group disability plans are available for self-employed professionals, local employers, and rental property owners seeking income replacement solutions. It also covers the surrounding areas of Eddy County and nearby Artesia for disability insurance needs.
Goetz 2 U Insurance serves Carlsbad, New Mexico, and the surrounding communities with disability insurance agent services. The company assists individuals in evaluating policies that replace income if an illness or injury prevents them from working. It handles the process of comparing plan options from various carriers to match a client’s occupation and budget. Its general approach involves working directly with each applicant to complete the necessary paperwork and submit it for approval, then following up until coverage is active.
In Carlsbad, NM, EZ Hester Agency: Allstate Insurance helps clients navigate the difference between one-time disability policy consultations and the ongoing service of managing a claim or adjusting coverage as life changes. The agency offers guidance on long-term and short-term disability insurance, designed to protect income during illness or injury. Service at this location runs on a scheduled or as-needed basis, allowing clients to set regular reviews or request immediate help when circumstances change.
As a disability insurance agent in Carlsbad, NM, Farmers Insurance - Roy Willis specializes in helping clients obtain income protection policies that replace a portion of their earnings if they become unable to work due to illness or injury. The agency also provides general advisory services to evaluate individual coverage needs and compare policy options from different carriers. It particularly assists local professionals and small business owners in preparing for the financial impact of sudden medical events during or before the holiday season.
Tom McMullan - State Farm Insurance Agent in Carlsbad, NM provides general insurance services to local clients. As a disability insurance agent, this agency assists individuals in securing coverage that can replace income during an illness or injury. Policies are designed to protect financial stability when a person is unable to work. The agent serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Martin Lara provides disability insurance planning and policy support for residents in the Carlsbad, New Mexico area. Its service offerings include helping clients evaluate coverage options for loss of income due to illness or injury, and it assists with policy maintenance, such as filing claims or updating beneficiary information, to ensure continuous protection. The company serves a variety of local property types needing supplemental coverage, including single-family homes, apartments, retail establishments, and restaurants.
As winter approaches in Carlsbad, residents often start reviewing their financial protections, ensuring their income is secure against unexpected illnesses or injuries. CENTURY 21 Dunagan Associates responds by assisting local workers in evaluating disability insurance policies designed to replace lost earnings. Their agency focuses on matching coverage needs with appropriate plans for various professions in the community. For anyone starting this process, the initial step typically involves an appointment to review current personal circumstances and income requirements.
Based in Carlsbad, NM, Dunagan Associates provides disability insurance agent services for local residents. The firm’s commercial coverage supports area businesses in protecting their workforce against income loss due to injury or illness. They serve clients throughout the Carlsbad area and the surrounding region. Their work helps ensure individuals have a financial safety net while recovering from a disabling condition. After the initial policy placement, they will follow up between regular visits to review and adjust coverage as needs change.
Montgomery Insurance Agency, part of WaFd Insurance Group, serves Carlsbad, New Mexico as a dedicated disability insurance agent. The company assists local professionals with evaluating individual disability income protection policies designed to replace lost wages during illness or injury. Its service range includes guiding clients through plan options and underwriting details. For added coverage, it can coordinate short-term disability benefits alongside long-term policy provisions to build comprehensive income security.
What Does a a Disability Insurance Agent in Carlsbad Cost?
Typical costs for disability insurance in New Mexico range from 1% to 3% of your annual income. For a policy replacing 60% of a $50,000 salary, expect premiums of $500 to $1,500 per year. Costs vary based on age, health, occupation, and policy details. This is general information, not insurance advice.
About disability insurance agents in Carlsbad
Disability insurance agents in Carlsbad, New Mexico help individuals and businesses protect their income. New Mexico law requires agents to be licensed by the state. Local agents understand the unique needs of Carlsbad residents, including those working in the oil and gas industry.
Frequently Asked Questions
What does a disability insurance agent in Carlsbad do?
A disability insurance agent helps you find a policy that replaces part of your income if you become unable to work. They explain policy terms, compare options, and assist with claims. Agents in Carlsbad are familiar with local employers and industry risks.
Is disability insurance required in New Mexico?
New Mexico does not require individuals to have disability insurance. However, some employers may offer it as a benefit. State law does not mandate private disability coverage, but it can be important for financial security.
How do I choose a disability insurance agent in Carlsbad?
Look for an agent licensed in New Mexico with experience in disability policies. Ask about their knowledge of local industries like energy and agriculture. Check their reputation with the New Mexico Office of Superintendent of Insurance.
Disability Insurance Agents in Other New Mexico Cities
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