The top-rated disability insurance agent in Apex, North Carolina is Cherie Morrison - State Farm Insurance Agent, rated 4.9 stars across 478 reviews. Other highly rated options include Amy Williams - State Farm Insurance Agent, Jaclyn Lucas: Allstate Insurance, Marlow Campbell Insurance Group. This directory lists 16 disability insurance agents serving Apex.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cherie Morrison - State Farm Insurance Agent | 109 Salem Towne Ct | (919) 387-9866 |
| 2 | Amy Williams - State Farm Insurance Agent | 2086 Energy Dr | (919) 303-7774 |
| 3 | Jaclyn Lucas: Allstate Insurance | 203 S Salem St | (919) 367-2810 |
| 4 | Marlow Campbell Insurance Group | 1001 Pemberton Hill Rd STE 203 | (919) 362-7319 |
| 5 | WOOMER Insurance | 106 N Salem St | (919) 290-6000 |
| 6 | NC Farm Bureau Insurance | 209 N Salem St | (919) 589-0225 |
| 7 | Morgan & Allen Insurance Group, Apex Office | 1031 Pemberton Hill Rd STE 203 | (919) 339-9126 |
| 8 | Affinity Insurance Group | 800 W Williams St Suite 231H | (919) 296-3787 |
| 9 | Barber Insurance Agency | 2201 Candun Dr #200 | (919) 629-7426 |
| 10 | Insurance Service Center | 1111 Pemberton Hill Rd STE 102 | (919) 387-0560 |
Cherie Morrison - State Farm Insurance Agent serves Apex, NC and the surrounding Wake County area, focusing on disability insurance solutions. This agency assists individuals in protecting their income against unforeseen medical events that prevent them from working. They evaluate coverage needs and policy options to match a client’s specific employment situation and financial goals. Common services handled here include short-term disability policies to bridge gaps during recovery, as well as long-term disability plans designed for extended income replacement needs.
Amy Williams - State Farm Insurance Agent in Apex, NC, provides a range of disability insurance services, including individual and group coverage plans designed to replace a portion of income if an illness or injury prevents work. The agency offers ongoing service through policy reviews and claims assistance to help clients maintain their coverage. It services properties including single-family homes, apartments, retail spaces, and restaurants in the local area.
Jaclyn Lucas: Allstate Insurance serves homeowners, renters, and local business owners in Apex, North Carolina, assisting them with disability insurance agent services to help protect their income if illness or injury prevents them from working. The office provides guidance on policy options that offer financial support during recovery periods. It also regularly assists clients in the nearby Holly Springs area of the greater Raleigh metropolitan region.
Serving Apex, North Carolina, and the surrounding communities, Marlow Campbell Insurance Group handles disability insurance agent needs for local residents and professionals. The agency focuses on helping clients find suitable income protection coverage in the event of an illness or injury. Its work typically begins with a thorough review of a client’s current financial situation and employment status, followed by a comparison of relevant policy options from different carriers. The firm uses a straightforward consultation process to match each individual with an appropriate plan that fits their specific circumstances.
At WOOMER Insurance in Apex, NC, the distinction between one-time consultation and recurring service options can affect how policy adjustments are handled over time, while coverage is centered on protecting income against medical inability to work. For disability insurance agents in this area, the process involves matching individual policies to specific occupational and health needs. Service here runs on an as-needed basis, with clients able to schedule support whenever their financial protection requires a reassessment.
NC Farm Bureau Insurance, based in Apex, North Carolina, is known for providing disability insurance coverage that protects a client’s income if an injury or illness prevents them from working. The agency serves individuals and families throughout the Apex area, offering policies designed to replace a portion of lost earnings during recovery. A specialty service it can add on is the inclusion of a cost-of-living adjustment rider to help benefits keep pace with inflation.
Morgan & Allen Insurance Group, Apex Office specializes in helping clients secure disability insurance policies that protect their income in the event of injury or illness. Its team of disability insurance agents assists residents throughout Apex with navigating plan options from various carriers to ensure suitable coverage for their personal circumstances. Understanding local employment patterns, the agency is particularly valuable for self-employed professionals and business owners reviewing coverage before major seasonal projects or financial obligations begin.
As spring storms roll through Apex and the Triangle, unexpected health disruptions can suddenly threaten financial security for local workers. Affinity Insurance Group addresses this need by guiding clients through disability coverage options that protect income during recovery from illness or injury. Their consultations focus on individual circumstances, helping professionals and self-employed individuals understand policy terms and benefit structures available in North Carolina. An initial assessment reviews client income sources, existing employer benefits, and personal health timelines to identify suitable plans for long-term income protection in the area.
Barber Insurance Agency helps individuals and businesses in Apex, North Carolina, secure essential financial protection through disability insurance, offering coverage that replaces lost income if an injury or illness prevents work. Its specialty add-ons include policy riders for partial disability and own-occupation protection. The agency serves a wide range of commercial sectors, including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Apex Cost?
Disability insurance premiums in North Carolina typically range from 1% to 3% of your annual income. For a 35-year-old non-smoking professional earning $60,000 per year, a policy may cost between $600 and $1,800 annually. Costs vary by age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Apex
A disability insurance agent in Apex, North Carolina helps individuals and businesses secure income protection policies. North Carolina law requires agents to be licensed by the state Department of Insurance. Local agents understand the needs of Apex residents working in Research Triangle Park and surrounding areas.
Frequently Asked Questions
What does a disability insurance agent in Apex do?
A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you become unable to work. They explain policy terms, exclusions, and waiting periods. Agents also assist with filing claims and navigating the appeals process.
Does North Carolina have a state disability insurance program?
No, North Carolina does not have a state-run short-term disability program like some other states. Residents rely on private disability insurance policies or employer-sponsored plans. An agent can help you compare options from private carriers.
What is the time limit to file a disability claim in North Carolina?
For private policies, the time limit depends on your contract, often 30 to 90 days after the disability begins. For ERISA-governed employer plans, federal law requires you to file within 180 days. An agent can review your policy details with you.
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