ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Disability Insurance Agents Near You in Middletown, RI

Browse disability insurance agents serving Middletown, Rhode Island. Updated 2026-07-14.

The top-rated disability insurance agent in Middletown, Rhode Island is AAA Middletown, rated 4.6 stars across 216 reviews. Other highly rated options include d'Oliveira & Associates, p.c., Carey, Richmond & Viking Insurance, Hilb Group. This directory lists 12 disability insurance agents serving Middletown.

Showing 12 disability insurance agents in Middletown, RIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA Middletown49 E Main Rd(401) 841-5000
2d'Oliveira & Associates, p.c.1521 W Main Rd(401) 846-5449
3Carey, Richmond & Viking Insurance2 Corporate Pl Suite 306(401) 683-3900
4Hilb Group500 W Main Rd(401) 847-5200
5KVT Insurance LLC2 Corporate Pl(401) 849-8502
6Aquidneck Island Insurance702 Aquidneck Ave #18(401) 354-2172
7The SIG Insurance Agencies: Middletown, Rhode Island999 West Main Street(401) 849-4100
8New Insurance Agency RI674 Aquidneck Ave(401) 859-4140
9Defend Insure Agency12 Circle Dr(401) 213-1715
10Newport Insurance Agency460 E Main Rd(401) 619-1660
AM
49 E Main Rd
AAA Middletown
Disability Insurance Agent · Middletown, RI

AAA Middletown serves Newport County and the surrounding communities in Rhode Island as a disability insurance agent. This agency guides individuals and families through the process of securing coverage that provides income replacement if an illness or injury prevents them from working. The team focuses on understanding each client’s occupation and financial needs to match them with appropriate plans. They specifically handle short-term disability insurance and long-term disability insurance for local residents and professionals.

DO
1521 W Main Rd
d'Oliveira & Associates, p.c.
Disability Insurance Agent · Middletown, RI

d'Oliveira & Associates, p.c. provides disability insurance agent services in the Middletown area. It assists clients in evaluating disability coverage options, helping to select plans that replace a portion of income during illness or injury. The firm also offers support with ongoing policy maintenance, including claims assistance and periodic plan reviews. These services help protect financial security for varied properties, including single-family homes, apartments, retail locations, and restaurants.

CR
2 Corporate Pl Suite 306
Carey, Richmond & Viking Insurance
Disability Insurance Agent · Middletown, RI

Carey, Richmond & Viking Insurance serves homeowners, small businesses, and working professionals in Middletown, Rhode Island, seeking disability income protection. As a local disability insurance agent, the company helps clients understand how occupational coverage safeguards earnings during illness or injury. It provides information on policy options and claim procedures specific to individual needs. Guidance is offered on the differences between short-term and long-term disability plans available in the area. The agency also extends its services to clients in neighboring Portsmouth and the greater Newport County region.

HG
500 W Main Rd
Hilb Group
Disability Insurance Agent · Middletown, RI

Serving clients in and around the Newport County area and southern Rhode Island, Hilb Group is a disability insurance agent located in Middletown that handles income protection policies for local professionals. The firm guides individuals and business owners through options that replace lost earnings during illness or injury. This assistance includes helping to evaluate existing workplace coverage for potential gaps. To handle a typical job, the agency begins by reviewing the client’s specific occupation and salary to recommend a policy that aligns with their financial obligations.

KI
2 Corporate Pl
KVT Insurance LLC
Disability Insurance Agent · Middletown, RI

KVT Insurance LLC in Middletown, RI, assists clients through both one-time policy evaluations and recurring service options for long-term income protection. As a disability insurance agent, it addresses the need for coverage that replaces a portion of lost wages if an illness or injury prevents work. This company focuses on individualized plans suited to local professionals and small business owners. Its services are available on an as-needed basis to help adjust coverage as personal or occupational circumstances change.

AI
702 Aquidneck Ave #18
Aquidneck Island Insurance
Disability Insurance Agent · Middletown, RI

Aquidneck Island Insurance specializes in disability insurance agent services for individuals and businesses in Middletown, Rhode Island. It offers guidance on selecting policies that replace lost income due to illness or injury, helping clients understand coverage options for short-term and long-term needs. The company works with local professionals and self-employed residents to assess their specific financial protection requirements. During the busy tourist season, it helps seasonal hospitality workers secure temporary disability coverage to ensure income stability during unexpected medical leaves.

SI
999 West Main Street
The SIG Insurance Agencies: Middletown, Rhode Island
Disability Insurance Agent · Middletown, RI

The SIG Insurance Agencies in Middletown, Rhode Island, provides comprehensive disability insurance solutions, integrating individual coverage options to protect client income. It specializes in tailored disability insurance add-ons, including own-occupation riders and residual benefit provisions. This firm serves the local community by addressing financial risks from illness or injury, ensuring policyholders maintain stability during recovery. Its commercial clients span diverse operations, from corporate offices and administrative centers to industrial warehouses and full-service food establishments.

NI
674 Aquidneck Ave
New Insurance Agency RI
Disability Insurance Agent · Middletown, RI

New Insurance Agency RI serves residents in and around Middletown, helping them secure disability insurance coverage that protects personal income against the impact of injury or illness. The agency also assists local businesses in providing commercial disability protection for their employees within the Rhode Island region. Clients typically receive clear guidance on policy options during initial consultations, and follow-up service is provided between regular visits to adjust coverage as personal or business circumstances change.

DI
12 Circle Dr
Defend Insure Agency
Disability Insurance Agent · Middletown, RI

As the winter months in Rhode Island often prompt residents to reassess their income protection, Defend Insure Agency in Middletown assists individuals and small business owners in exploring disability insurance options. The agency focuses on explaining how such policies can replace lost earnings during illness or injury. Their process begins with a complimentary initial assessment to review current coverage gaps and personal income needs. This initial step allows potential clients to understand policy terms before making any decisions about enrolling in a plan.

NI
460 E Main Rd
Newport Insurance Agency
Disability Insurance Agent · Middletown, RI
PT
702 Aquidneck Ave
Prudential | Tony Kutsaftis | Life Insurance & Annuities
Disability Insurance Agent · Middletown, RI
(401) 848-0720
NI
999 W Main Street
Nationwide Insurance: SIG Insurance Agencies
Disability Insurance Agent · Middletown, RI
(401) 849-4100
agency.nationwide.com/brian-e-rogers-in-middletown-ri

What Does a a Disability Insurance Agent in Middletown Cost?

Disability insurance agent services in Rhode Island typically do not charge a separate fee because agents earn commissions from insurance carriers. Policy premiums vary based on age, health, occupation, and coverage amount. For a 40-year-old office worker, a policy might cost between $50 and $150 per month for $2,000 in monthly benefits. High-risk occupations or pre-existing conditions can increase costs. This is general information, not insurance advice.

About disability insurance agents in Middletown

Disability insurance agents in Middletown, Rhode Island help residents and small business owners find coverage that protects income during illness or injury. Rhode Island law requires employers to provide temporary disability insurance through the state program, but private agents can assist with supplemental or long-term policies. Local agents understand the specific needs of Middletown workers, including those in the tourism and healthcare sectors.

Frequently Asked Questions

What does a disability insurance agent in Middletown do?

A disability insurance agent helps you compare policies from different carriers, explains coverage options, and assists with filing claims. They can also review your existing policy to ensure it meets your needs. Agents in Rhode Island must hold a valid state insurance license.

How is Rhode Island disability insurance different from private plans?

Rhode Island has a state-run Temporary Disability Insurance program that provides partial wage replacement for up to 30 weeks. Private disability insurance agents can help you buy additional coverage that pays benefits beyond the state plan. Private plans often have longer benefit periods and higher monthly payouts.

What should I look for when choosing a disability insurance agent in Rhode Island?

Look for an agent who is licensed in Rhode Island and has experience with both group and individual disability policies. Ask about their knowledge of Rhode Island state disability laws and how they handle claims. A good agent will explain policy exclusions and waiting periods clearly.

Disability Insurance Agents in Other Rhode Island Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.