Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Rhode Island before hiring.
Showing 14 disability insurance agents in Providence, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Globe Life American Income Division: Zuzick Organization
754 Branch Ave #10A, Providence, RI 02904
(401) 429-1847
agency.ailife.com
Cross Insurance
291 Promenade St, Providence, RI 02908
(401) 431-9200
crossagency.com
Podmaska Insurance Agency Inc
1309 Chalkstone Ave, Providence, RI 02908
(401) 272-5444
podmaska.com
Wilson Insurance Agency
723 Atwells Ave, Providence, RI 02909
(401) 453-6659
wilsoninsuranceagencyri.com
Insurance Leader
1237 Elmwood Ave, Providence, RI 02907
(401) 781-1810
insurance-leader.poi.place
World Insurance Associates LLC
477 Elmwood Ave, Providence, RI 02907
(401) 572-3303
locations.worldinsurance.com
Farmington Insurance Agency
24 Farmington Ave, Providence, RI 02909
(401) 944-2230
farmingtonins.com
Atwood And Palazzo Insurance Agency
565 Broadway, Providence, RI 02909
(401) 272-4340
Lefebvre Insurance Agency, Inc.
839 N Main St, Providence, RI 02904
(401) 273-0022
lefebvreins.com
Pro Rhode Island Insurance Co
36 Exchange Ter, Providence, RI 02903
(401) 424-4690
Vital Insurance RI
151 Broadway, Providence, RI 02903
(401) 655-2190
Vive Solutions
500 S Main St, Providence, RI 02903
(833) 401-8483
getvive.com
National Insurance Agency RI
197 Pine St, Providence, RI 02903
(401) 246-7251
Nationwide Insurance Agency Inc
224 Reservoir Ave, Providence, RI 02907
(401) 461-1620
agency.nationwide.com
What Does a Disability Insurance Agent in Providence Cost?
Disability insurance agent services in Rhode Island are typically paid through commissions from the insurance carrier, so there is usually no direct fee to you. Premiums for individual policies range from 1% to 3% of your annual income, depending on age, health, and benefit amount. For example, a 40 year old earning $60,000 might pay $50 to $150 per month for a policy that replaces 60% of income. Costs vary by situation and carrier. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Providence do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They can also assist with filing claims and understanding Rhode Island specific rules like the state temporary disability insurance program. Agents do not provide legal advice but can guide you through the application process.
How is disability insurance different in Rhode Island compared to other states?
Rhode Island has a mandatory state Temporary Disability Insurance program that provides partial wage replacement for non-work related injuries or illnesses. Private disability insurance agents can help you buy additional coverage to supplement the state benefit. Rhode Island law also sets specific time limits for filing state claims, usually within 30 days of becoming disabled.
Do I need a disability insurance agent if my employer offers group coverage?
Even with employer group coverage, an agent can help you understand policy limits and gaps. Group plans often have lower benefit amounts and shorter benefit periods than individual policies. An agent can also help you buy a private policy to cover income beyond what your employer provides.