The top-rated disability insurance agent in Gastonia, North Carolina is Brad Riley - State Farm Insurance Agency - Gastonia, rated 4.9 stars across 749 reviews. Other highly rated options include Beard Insurance Group, Elite Insurance, Anthony Gallant - State Farm Insurance Agent. This directory lists 19 disability insurance agents serving Gastonia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brad Riley - State Farm Insurance Agency - Gastonia | 1302 E Garrison Blvd | (704) 864-0324 |
| 2 | Beard Insurance Group | 1312 W Franklin Blvd | (704) 861-5999 |
| 3 | Elite Insurance | 413 S York St | (704) 867-0731 |
| 4 | Anthony Gallant - State Farm Insurance Agent | 1004 Union Rd | (704) 853-8001 |
| 5 | Watson Insurance Agency | 245 E Second Ave | (704) 865-8584 |
| 6 | A-1 Insurance Coverage | 1108 Union Rd D | (704) 866-7550 |
| 7 | Sheffield Insurance Agency | 1550-B, Union Rd Ste B | (704) 671-4779 |
| 8 | Johnson Insurance Group, Inc. | 1905 E Garrison Blvd | (704) 854-8646 |
| 9 | Charles Cox Insurance | 222 S Chestnut St | (704) 865-7669 |
| 10 | L&L Insurance Agency | 365 N New Hope Rd STE 2 | (704) 765-2646 |
Brad Riley - State Farm Insurance Agency in Gastonia, NC, serves Gaston County and the surrounding area as a disability insurance agent. The agency assists local residents by explaining various policy options that provide income protection if an injury or illness prevents them from working. Clients can learn about coverage that helps replace a portion of lost wages during recovery periods. The office handles short-term disability insurance designed to bridge a temporary absence from employment. It also provides guidance on long-term disability policies for more extended health concerns.
Beard Insurance Group serves homeowners, businesses, and property managers in Gastonia, North Carolina, by providing disability insurance policies that replace income if illness or injury prevents work. The company explains policy terms and exclusions to help clients choose appropriate coverage levels. Agent consultations assess individual needs and coordinate benefits with existing employer plans. The firm also assists with filing claims and understanding waiting periods. Coverage and support are available to residents of nearby Belmont as well.
Elite Insurance serves the Gastonia, North Carolina area and surrounding communities, providing support for individuals seeking disability insurance agent services. It helps clients understand how disability coverage can help protect their income in the event of an unexpected illness or injury. The agency works with local residents to review their employment situations and personal needs. When handling a typical case, it focuses on comparing available policy options to find a plan that fits the client's specific financial circumstances and coverage requirements.
Anthony Gallant - State Farm Insurance Agent provides disability insurance solutions to clients in Gastonia, North Carolina. These services help individuals secure income protection in the event of an injury or illness that prevents them from working. Ongoing support includes policy reviews and assistance with claims to ensure coverage aligns with changing needs. The agency serves a variety of properties and policyholders, typically including single-family homes, apartments, retail, and restaurants.
The two primary service options for a disability insurance agent are one-time policy reviews or recurring annual evaluations. Watson Insurance Agency in Gastonia, NC, helps local residents explore disability coverage tailored to income protection needs. This service addresses how benefits replace lost earnings from a qualifying condition or injury. Necessary adjustments to a plan may arise after a career change or salary increase. The agency operates on a scheduled basis, typically meeting with clients for annual policy check-ins or upon request after a major life event.
A-1 Insurance Coverage offers specialty services in disability insurance planning for professionals and self-employed individuals in Gastonia, NC. It generally works with clients to secure income protection policies that replace lost wages during illness or injury. The company helps people evaluate plans aligned with their occupations and financial obligations. It assists locals in the Gastonia area who need coverage before an unexpected health event makes obtaining disability insurance more difficult.
When seasonal employment shifts in Gastonia create gaps in workplace benefits, individuals often seek private income protection. Sheffield Insurance Agency addresses these financial vulnerabilities through customized disability insurance plans. The agency evaluates local needs, offering policies designed for auto workers, healthcare staff, and construction professionals. Policies can replace a portion of lost income during short-term injuries or long-term illnesses. An initial consultation assesses each client’s current coverage limits and occupational risks. A complete review of existing benefits and a personalized needs analysis form the first step in the enrollment process.
Johnson Insurance Group, Inc. serves the Gastonia, NC area by helping individuals and businesses navigate disability insurance options. The company specializes in policies that provide income protection when illness or injury prevents work, offering tailored coverage for various employment situations. Their work involves guiding clients through policy features and benefit structures. They serve accountants in offices, warehouse staff in distribution centers, and kitchen personnel in food service operations.
Charles Cox Insurance provides disability insurance services to residential clients throughout the Gastonia area. The agency also offers commercial coverage for local businesses seeking employee income protection. Serving clients in Gastonia and the surrounding region, the firm focuses on matching policy options to individual needs. Routine follow-up services ensure coverage keeps pace with life changes, and repeat customers often return for policy reviews between scheduled visits.
What Does a a Disability Insurance Agent in Gastonia Cost?
Typical costs for disability insurance agent services in North Carolina are paid through commissions from the insurance carrier, not directly by you. Premiums for individual disability policies in Gastonia range from 1% to 3% of your annual income, depending on age, health, and occupation. Group policies through employers may cost less per month. Costs vary by case. This is general information, not insurance advice.
About disability insurance agents in Gastonia
Disability insurance agents in Gastonia, North Carolina help individuals and businesses find policies that protect income if an injury or illness prevents work. North Carolina law requires agents to be licensed by the state Department of Insurance. Local agents can explain how state regulations affect policy options and claim processes.
Frequently Asked Questions
What does a disability insurance agent in Gastonia do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They explain policy terms, exclusions, and benefit amounts. Agents also assist with filing claims and understanding your rights under North Carolina insurance law.
How do I choose a disability insurance agent in Gastonia?
Look for an agent licensed in North Carolina with experience in disability coverage. Ask about their familiarity with local employers and medical providers. Check their reputation with the North Carolina Department of Insurance for any complaints.
Are there time limits for disability claims in North Carolina?
North Carolina has a three year statute of limitations for filing a lawsuit on a disability insurance contract under NC General Statute 1-52. Policy contracts often have shorter internal deadlines for submitting claims, so act quickly after a disability occurs.
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