The top-rated disability insurance agent in Summerville, South Carolina is 64 Insurance Group (Summerville, SC), rated 5.0 stars across 161 reviews. Other highly rated options include C T Lowndes & Company, Sheally Insurance Group formerly Tidal Creek Insurance, Brightway Insurance, The Summerville Agency. This directory lists 21 disability insurance agents serving Summerville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | 64 Insurance Group (Summerville, SC) | 201 Sigma Dr STE 300-A | (843) 640-0220 |
| 2 | C T Lowndes & Company | 136 S Main St | (843) 875-2300 |
| 3 | Sheally Insurance Group formerly Tidal Creek Insurance | 202 E 2nd N St | (843) 970-8588 |
| 4 | Brightway Insurance, The Summerville Agency | 700 Nexton Square Dr Ste 259 | (843) 848-8100 |
| 5 | Christie Fulkerson Agency | 141 N Main St | (803) 261-4076 |
| 6 | TWIA Insurance Agency | 203 Limehouse Dr | (843) 285-9430 |
| 7 | Lighthouse Insurance Benefits | Charleston Insurance Agency | 1801 Old Trolley Rd Suite 202 | (843) 266-3849 |
| 8 | Winningham Insurance Agency | 1672 N Main St | (843) 873-9202 |
| 9 | American Insurance Associates | 500 Oakbrook Ln Suite 202 | (888) 209-5049 |
| 10 | The Dustin McClain Group LLC | 201 Sigma Dr suite 300 | (843) 484-5065 |
64 Insurance Group serves Summerville and the surrounding Dorchester County area as a dedicated disability insurance agent. The company helps clients understand and select coverage that replaces a portion of income if an illness or injury prevents them from working. It works with individuals and local businesses to assess needs and navigate policy options for protecting earning potential. Specific services include short-term disability insurance for temporary recovery periods and long-term disability insurance for extended or permanent conditions.
C T Lowndes & Company serves homeowners, business owners, and professionals in Summerville, South Carolina, who need disability insurance coverage to protect their income in case of illness or injury. The agency works with clients to assess their specific financial exposure and provides policies that replace a portion of lost earnings during a recovery period. Policy discussions include both short-term and long-term disability options designed to meet individual or business needs. The company also extends its services to residents and employers in the neighboring communities of the Charleston metropolitan area.
Sheally Insurance Group, formerly Tidal Creek Insurance, provides disability insurance agent services in Summerville, South Carolina. The company helps individuals and self-employed professionals select policies that offer income protection for injuries or illnesses. Service is centered on explaining plan options and managing ongoing coverage adjustments as needs change. Routine policy reviews ensure continued suitability for clients. This agent services single-family homes, apartments, retail businesses, and restaurants in the local area.
Brightway Insurance, The Summerville Agency serves Summerville, South Carolina, and the surrounding communities. As a disability insurance agent, the company handles policies that provide income replacement when a client cannot work due to illness or injury. It explains the differences between short-term and long-term coverage options to each individual. To handle a typical job, it begins by reviewing a client’s occupation and current financial obligations to recommend a suitable benefit structure.
The Christie Fulkerson Agency specializes in matching individuals and businesses with disability income protection plans. It provides general guidance on long-term and short-term disability policies to residents of Summerville, SC. Its agent assists clients in understanding how benefits can replace lost income after an illness or injury. Particular focus is given to navigating policy enrollment during open enrollment periods or major life events such as a career transition.
Many Summerville residents approach disability insurance after a health scare or a friend's claim reveals gaps in their income protection. TWIA Insurance Agency specializes in matching local professionals and tradespeople with sensible replacement-income plans tailored to coastal South Carolina living. Their process starts with a detailed review of current coverage and monthly obligations. Each consultation begins with a one-hour initial assessment, compiling employment details and desired benefit periods.
Lighthouse Insurance Benefits | Charleston Insurance Agency offers Summerville, South Carolina clients both one-time policy reviews and recurring coverage management for disability insurance. A disability insurance agent helps individuals protect income against illness or injury by explaining plan features, benefit periods, and elimination periods tailored to financial needs. Service appointments are available on an as-needed basis, allowing policyholders to adjust coverage when their employment or health circumstances change.
Winningham Insurance Agency works with individuals and businesses in Summerville to address financial protection needs, specializing in disability insurance policies. These plans provide income replacement when a person cannot work due to illness or injury, covering a percentage of lost wages. The agency helps clients select appropriate coverage levels and policy terms, explaining the differences between short-term and long-term benefits. Its services support professionals in various commercial sectors, including offices, warehouses, and food service.
American Insurance Associates, serving Summerville, South Carolina, is known for helping local professionals and small business owners secure income protection. The agency offers a full range of disability insurance agent services designed to replace a portion of lost earnings when injury or illness prevents work. While many clients seek long-term disability policies, the agency also advises on short-term coverage for temporary recovery. In addition to standard individual plans, the firm can assist with policy riders such as future purchase options and own-occupation definitions for specialized occupations.
What Does a a Disability Insurance Agent in Summerville Cost?
Disability insurance agent services in South Carolina are typically free to you because agents earn commissions from insurance carriers. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 40-year-old office worker might pay 1% to 3% of their annual income for a long-term policy. Costs can be higher for high-risk jobs. This is general information, not insurance advice.
About disability insurance agents in Summerville
Disability insurance agents in Summerville, South Carolina help residents and local businesses secure income protection policies. South Carolina law does not require employers to provide disability insurance, so individual policies are common for self-employed workers and professionals. Agents can guide you through options like short-term and long-term coverage tailored to your needs.
Frequently Asked Questions
What does a disability insurance agent in Summerville do?
A disability insurance agent helps you compare policies from different carriers and explains coverage limits, waiting periods, and benefit durations. They also assist with filing claims and understanding policy exclusions under South Carolina law.
How long do I have to file a disability claim in South Carolina?
South Carolina does not have a specific statute of limitations for disability insurance claims, but most policies require you to notify the insurer within 30 days of disability. You should check your policy for exact deadlines to avoid denial.
Can a disability insurance agent help with an existing claim denial?
Yes, an agent can review your policy and help you gather documentation for an appeal. However, for legal disputes, you may need a disability insurance attorney who knows South Carolina contract law.
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