The top-rated disability insurance agent in Grants Pass, Oregon is Tom Randall - State Farm Insurance Agent, rated 4.9 stars across 439 reviews. Other highly rated options include Insurance Lounge, Siskiyou Insurance of Grants Pass, Kenneth Kinzler: Allstate Insurance. This directory lists 20 disability insurance agents serving Grants Pass.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tom Randall - State Farm Insurance Agent | 337 Union Ave Ste A | (541) 474-4900 |
| 2 | Insurance Lounge | 1221 NE 7th St | (541) 479-4975 |
| 3 | Siskiyou Insurance of Grants Pass | 704 SW 4th St | (541) 479-6672 |
| 4 | Kenneth Kinzler: Allstate Insurance | 400 SE G St A | (541) 472-1644 |
| 5 | Midland Empire Insurance Agency | 814 SW 4th St | (541) 476-7715 |
| 6 | Blalock Insurance | 531 NE E St suite d | (541) 476-2246 |
| 7 | JL Insurance, LLC | 1252 NW 6th St Suite 3 | (541) 295-8880 |
| 8 | Towne Centre Insurance Service LLC | 315 SE 7th St | (541) 476-3311 |
| 9 | Hart Insurance Agency | 321 SE I St | (541) 479-5521 |
| 10 | H.D. York Insurance | 302 NW 4th St | (541) 474-5635 |
Tom Randall - State Farm Insurance Agent serves the Grants Pass, Oregon, area as a disability insurance agent. Disability insurance provides income protection if an illness or injury prevents a person from working. The agent helps local residents review options for coverage that fits their individual budgets and employment situations. Policies are designed to replace a portion of lost wages during recovery periods. The company assists with claims for both short-term disability coverage and long-term disability insurance policies.
For short-term or permanent needs, Insurance Lounge provides disability insurance coverage in Grants Pass, Oregon. A one-time policy offers income protection for a defined period, while a scheduled option secures benefits until retirement age. Each plan replaces a portion of lost earnings if injury or illness prevents work. Policyholders choose based on their career stage and financial goals. Service runs on a one-time, scheduled, or as-needed basis.
Siskiyou Insurance of Grants Pass provides services as a disability insurance agent in Grants Pass, Oregon, helping individuals assess their need for income protection. It offers guidance on policy options designed to replace a portion of earnings if a disability prevents work. Regular policy reviews ensure coverage remains aligned with changing personal circumstances. The company services a range of properties including single-family homes, apartments, retail locations, and restaurants seeking tailored disability insurance solutions.
Serving homeowners, businesses, and property managers in Grants Pass, Oregon, Kenneth Kinzler: Allstate Insurance provides disability insurance agent services for those seeking income protection. The agency helps local clients evaluate individual policies designed to replace a portion of lost earnings during illness or injury. Claims assistance and policy reviews are part of the support offered to policyholders. Service extends to individuals and employers in neighboring communities within Josephine County, including the surrounding areas of Merlin and Rogue River.
Midland Empire Insurance Agency serves Grants Pass and surrounding communities in Josephine County, handling disability insurance policies for individuals and professionals. These plans provide income replacement if an injury or illness prevents the policyholder from working. The agency guides clients through the process of choosing between short-term and long-term coverage options that align with their financial responsibilities and employment status. To complete a typical engagement, it reviews each client’s occupation and current earnings to recommend coverage amounts that match their specific income protection needs.
Blalock Insurance in Grants Pass, Oregon offers both one-time policy reviews and ongoing service for clients seeking disability income protection. Coverage helps replace lost wages if illness or injury prevents work, with plans tailored to individual occupations and incomes. Service coordination may be arranged on a one-time basis for initial setup, scheduled for periodic policy adjustments, or as-needed for claims support and coverage questions.
JL Insurance, LLC advises clients in Grants Pass and the surrounding areas on protecting their income against unexpected medical circumstances. The firm specializes in disability insurance agent services, helping individuals and businesses evaluate plans that provide financial support during recovery from illness or injury. Working with a range of local commercial sectors, JL Insurance, LLC is available to consult with offices, warehouses, and food service operations in the region.
In the Rogue Valley, seasonal work fluctuations can create gaps in income protection, and local families often seek guidance on structuring a reliable safety net. Towne Centre Insurance Service LLC in Grants Pass responds by helping clients evaluate individual disability policies, explaining elimination periods and benefit durations clearly. They review existing employer coverage and identify potential gaps for self-employed residents. An initial no-cost assessment is scheduled so the agent can examine current documents and outline appropriate options accordingly.
Hart Insurance Agency specializes in disability insurance agent services in Grants Pass, Oregon. The agency assists local residents with evaluating coverage options to replace lost income from illness or injury. It guides clients through applications and policy comparisons for individual plans. This work is especially important during seasonal employment shifts or when major life changes like surgery or family leave create immediate income protection concerns.
H.D. York Insurance provides disability insurance agent services to residents in Grants Pass, Oregon, and the surrounding areas. The company also offers commercial disability coverage tailored to the needs of local businesses. Serving Josephine County, they help individuals and employers protect their income against unexpected illness or injury. Their work emphasizes consistent follow-up, meeting with clients again between regular visits to update policies as circumstances change.
What Does a a Disability Insurance Agent in Grants Pass Cost?
The cost of disability insurance in Oregon typically ranges from 1% to 3% of your annual income. For a 35-year-old in Grants Pass, a policy with a 90-day waiting period and a benefit of 60% of income may cost between $50 and $150 per month. Factors like age, health, occupation, and benefit duration affect the premium. This is general information, not insurance advice.
About disability insurance agents in Grants Pass
Disability insurance agents in Grants Pass, Oregon help individuals and businesses secure income protection plans. Oregon law requires certain policies to include specific provisions, such as a 30-day grace period for premium payments. Local agents can guide you through policy options and claims processes tailored to the Rogue Valley area.
Frequently Asked Questions
What does a disability insurance agent in Grants Pass do?
A disability insurance agent helps you find and purchase a policy that replaces income if you become unable to work. They explain policy terms, compare plans from different carriers, and assist with filing claims. In Oregon, agents must be licensed by the state insurance division.
How do Oregon disability insurance laws affect my policy?
Oregon law requires that disability policies include a 30-day grace period and a 60-day contestability period for misstatements. Policies must also offer a waiver of premium if you become disabled. Your agent can explain how these rules apply to your specific plan.
Can a Grants Pass agent help with an existing disability claim?
Yes, many agents assist with claim questions and appeals for policies they sold. For complex denials, you may need to consult a lawyer or a claims specialist. Agents cannot provide legal advice but can guide you through the insurer process.
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