The top-rated disability insurance agent in Winston-Salem, North Carolina is Alliance Insurance Services, rated 4.9 stars across 464 reviews. Other highly rated options include Highstreet Insurance, Formerly Peak Insurance Group, Jackson Phipps Insurance Agency, LLC., Wilson Insurance Services, Inc.. This directory lists 17 disability insurance agents serving Winston-Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alliance Insurance Services | 5205 University Pkwy | (336) 377-9003 |
| 2 | Highstreet Insurance, Formerly Peak Insurance Group | 108 Cambridge Plaza Dr | (336) 773-1322 |
| 3 | Jackson Phipps Insurance Agency, LLC. | 500 Lynhaven Ct | (336) 816-7119 |
| 4 | Wilson Insurance Services, Inc. | 511 Shepherd St Suite 102 | (336) 794-2810 |
| 5 | Summit Insurance LLC | 420 Jonestown Rd | (336) 831-9925 |
| 6 | Piedmont Triad Insurance | 300 7th St W | (336) 631-9304 |
| 7 | Cameron Insurance, an Epperson Insurance Group company | 300 7th St W | (336) 896-0706 |
| 8 | Leavitt Elite | 2520 Somerset Center Dr | (336) 788-4499 |
| 9 | Hunt Insurance Solutions | 615 St George Sq Ct Suite 300 | (336) 793-1833 |
| 10 | Affordable Insurance Services, LLC | 3635 Reynolda Rd A | (336) 922-3224 |
Alliance Insurance Services serves the Winston-Salem, North Carolina metro area as a disability insurance agent. The agency helps individuals and business owners understand how income protection coverage can replace earnings during an extended illness or injury. They evaluate different policy structures to match a client’s occupation and financial obligations. Guidance may also involve coordinating short-term and long-term disability plans to create a comprehensive safety net. The company assists local professionals in securing both group employer-sponsored policies and private individual disability contracts.
Highstreet Insurance, formerly Peak Insurance Group, in Winston-Salem, NC, provides disability insurance agent services, crafting policies to replace a portion of a client’s income if they become unable to work due to illness or injury. Ongoing service includes reviewing existing coverage to ensure it aligns with changing health or job circumstances. The firm helps adjust policy benefits to match evolving financial needs. It services individual professionals, small business owners, and employees at single-family homes, apartment complexes, retail establishments, and restaurants.
Jackson Phipps Insurance Agency, LLC in Winston-Salem, NC serves local professionals, small business owners, and self-employed individuals requiring income protection. The agency works with clients to explain disability insurance options, helping secure coverage that replaces a portion of income if illness or injury prevents work. Guidance is provided on policy structures and elimination periods to meet individual budgeting and financial planning needs. The company also assists residents and workers in the neighboring community of Clemmons and the surrounding Forsyth County area.
Wilson Insurance Services, Inc. serves Winston-Salem and the surrounding communities of the Piedmont Triad region, handling applications for disability insurance policies. This agency assists individuals in safeguarding their income against illness or injury that prevents them from working. Their work involves reviewing personal financial situations and occupational details to recommend appropriate coverage options. The typical process begins with a comprehensive consultation to understand the client’s specific needs and risk factors. The agency then presents tailored policy choices and guides the client through the application and underwriting procedures.
At Summit Insurance LLC in Winston-Salem, NC, clients first choose between one-time policy evaluations for specific needs and recurring review services that adapt coverage over time. The firm assists individuals and small business owners with disability insurance to protect income during illness or injury. Services here address both short-term and long-term coverage scenarios, ensuring appropriate income replacement options are considered. Support runs on an as-needed basis, scheduled for annual check-ins or whenever life events require policy adjustments.
As professionals in the Winston-Salem area plan for unexpected health changes, Piedmont Triad Insurance provides tailored disability insurance coverage to safeguard their income. This local agency helps individuals and small business owners select policies that address specific financial protections needed during medical leave. They guide clients through the available options designed to replace lost earnings when an injury or illness prevents work. The process begins with a complimentary initial assessment to review personal risk factors and corresponding coverage needs.
Cameron Insurance, an Epperson Insurance Group company, specializes in disability income protection to replace lost wages due to illness or injury. It serves as a disability insurance agent for clients throughout Winston-Salem, NC. The agency guides individuals and businesses through policy selection and claims processes. It helps local professionals address concerns such as planning for a sudden inability to work due to a seasonal injury or a prolonged medical condition.
Leavitt Elite operates as a disability insurance agent in and around Winston-Salem, North Carolina. The company assists individuals with obtaining coverage designed to replace a portion of income if illness or injury prevents them from working. Specific focus is placed on customizing policies with appropriate benefit periods and waiting periods. The agency can serve a variety of commercial sectors, including local offices, warehouses, and food service establishments.
Hunt Insurance Solutions in Winston-Salem, NC, is known for providing reliable disability insurance agent services to local professionals and individuals. The company helps clients navigate policy options that protect income during illness or injury, offering guidance on benefit amounts and elimination periods. Its work includes assessing coverage needs for various occupations in the Piedmont Triad area. Hunt Insurance Solutions can add on tailored short-term disability plans for those seeking interim income protection.
Affordable Insurance Services, LLC serves residents of Winston-Salem by offering guidance on individual disability coverage to protect personal income and future earnings. The agency also assists local businesses in securing group disability policies for their employees. Their service area extends throughout the Winston-Salem region, providing consistent access for both individual and commercial clients. After an initial policy placement, the company remains available to address coverage adjustments, claims support, or annual reviews, ensuring seamless follow-up service between regular visits.
What Does a a Disability Insurance Agent in Winston-Salem Cost?
The cost of a disability insurance agent in Winston-Salem is typically paid through commissions from the insurance company, so there is usually no direct fee to you. Premiums for disability insurance in North Carolina can range from 1% to 3% of your annual income, depending on your age, health, occupation, and coverage amount. For a 35-year-old office worker, a policy might cost $50 to $150 per month. These are general estimates and actual costs vary by case. This information is general and not insurance advice.
About disability insurance agents in Winston-Salem
Disability insurance agents in Winston-Salem, North Carolina help individuals and businesses find coverage that protects income if illness or injury prevents work. North Carolina law does not mandate private disability insurance, but agents can explain policy options and assist with claims. Local agents understand the regional job market and can tailor plans for workers in industries like healthcare, manufacturing, and education.
Frequently Asked Questions
What does a disability insurance agent in Winston-Salem do?
A disability insurance agent helps you compare policies from different carriers, explains coverage terms, and assists with filing claims. They can also help you understand how North Carolina state laws affect your policy, such as the statute of limitations for filing a lawsuit which is typically three years from the date of loss.
How do I choose a disability insurance agent in Winston-Salem?
Look for an agent licensed in North Carolina with experience in disability coverage. Ask about their familiarity with local insurers and their process for handling claims. You can verify an agents license through the North Carolina Department of Insurance website.
What types of disability insurance are available in North Carolina?
Common types include short-term and long-term disability insurance, which can be purchased individually or through an employer. Some policies are guaranteed renewable, and North Carolina law requires insurers to offer certain consumer protections, such as a free look period of 10 days to review the policy.
Disability Insurance Agents in Other North Carolina Cities
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