The top-rated disability insurance agent in Houston, Texas is Texan Insurance, rated 4.9 stars across 2,562 reviews. Other highly rated options include Iscential Insurance Agency, The Vanguard Insurance Agency, Leavitt Group Texas Select. This directory lists 21 disability insurance agents serving Houston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Texan Insurance | 6161 Savoy Dr #960 | (281) 998-2500 |
| 2 | Iscential Insurance Agency | 8220 Jones Rd Ste 100 | (713) 856-5533 |
| 3 | The Vanguard Insurance Agency | 1225 N Loop W suite 322 | (281) 453-8770 |
| 4 | Leavitt Group Texas Select | 1300 W Sam Houston Pkwy S Ste 220 | (713) 978-7811 |
| 5 | Trusted Senior Specialists | 10998 Wilcrest Dr #100 | (855) 952-1941 |
| 6 | Memorial Insurance Agency | 13501 Katy Fwy Ste 1875 | (713) 461-8272 |
| 7 | Dean & Draper Insurance Agency, LP | 3131 W Alabama St Ste 150 | (713) 527-0444 |
| 8 | Heydi Garcia - State Farm Insurance Agent | 10833 Hughes Rd | (281) 481-4555 |
| 9 | Farris Benefit Group, LLC Insurance Agency | 2850 Fannin St | (346) 216-1875 |
| 10 | Oscar's Insurance Agency LLC | 5921 S Gessner Rd | (713) 271-8889 |
Texan Insurance serves the greater Houston area as a disability insurance agent. The company helps individuals and business owners understand how disability coverage protects income during illness or injury. It guides clients through policy options from private carriers. For professionals in Harris County, the agents explain the difference between short-term and long-term disability plans. Texan Insurance also assists with evaluating employer-provided coverage to identify gaps. It specifically handles benefit analysis for replacement income and can advise on own-occupation versus any-occupation policies in Texas.
Iscential Insurance Agency provides a full range of disability insurance agent services, including individual policy consultation, employer-sponsored group plan analysis, and claims assistance. The firm offers ongoing service plans that help clients review their coverage as income and health circumstances change. It serves professionals and business owners across the Houston area, working with clients who own or manage single-family homes, apartments, retail spaces, and restaurants.
The Vanguard Insurance Agency serves professionals and small business owners in Houston, Texas, who require disability income protection. It helps individuals secure policies that replace a portion of lost earnings if injury or illness prevents them from working. The agency guides clients through plan options and eligibility requirements for this specialized coverage. Services include policy comparisons and application assistance for both short-term and long-term disability needs. The firm also works with residents in Sugar Land, providing the same tailored support for income protection planning.
Leavitt Group Texas Select serves the Houston, Texas metro area as a disability insurance agent. The company assists clients in obtaining coverage that provides income protection if an individual becomes unable to work due to illness or injury. It guides both individuals and businesses through policy options from multiple carriers. Brokers evaluate personal occupation and financial needs to recommend appropriate plans. The agency specifically handles short-term disability policies for income replacement and long-term disability insurance for extended workplace absence coverage.
Trusted Senior Specialists serves Houston, Texas, and the surrounding communities, handling applications and claims for disability insurance policies. It assists individuals with evaluating policy options that provide income replacement if they become unable to work due to illness or injury. The firm focuses on the specific needs of older clients in the region. For each case, it meets directly with clients to review their coverage requirements and guides them through the claims process from initial filing to follow-up with the insurer.
Memorial Insurance Agency in Houston, TX assists clients with both one-time policy evaluations and recurring account reviews to adapt to changing needs. Their work focuses on disability insurance coverage, which provides income protection if an injury or illness prevents employment. This involves explaining policy terms, comparing benefit amounts and elimination periods, and guiding applications. Service runs on an as-needed basis, allowing clients to request consultations when life events such as job changes or health updates occur.
Dean & Draper Insurance Agency, LP specializes in disability insurance solutions for professionals and business owners in Houston, Texas. The agency explains policy options that replace income if illness or injury prevents work. It guides clients through plan selection, underwriting, and application processes. Additional services include reviewing existing policies for coverage gaps and coordinating benefits with employers. The agency helps individuals address seasonal concerns, such as protecting income during holiday seasons when medical claims and time off work often increase.
Hurricanes and tropical storms often disrupt routines for Houston residents, and Heydi Garcia - State Farm Insurance Agent provides disability insurance coverage that helps replace lost income during recovery. In a city where workers face unpredictable weather-related closures and health setbacks, this agency offers policies designed to protect earnings if injury or illness prevents employment. Each consultation begins with a review of the client’s occupation, monthly expenses, and existing benefits. The initial step is a no-obligation session where the agent evaluates current coverage gaps.
Farris Benefit Group, LLC Insurance Agency serves residents in Houston, Texas, with disability insurance coverage that protects individual income. The firm also offers commercial disability policies for local businesses needing employee income protection, covering the greater Houston metropolitan area. Agents assess each client’s financial situation to recommend appropriate plans for short-term or long-term needs. Policyholders can contact the agency for a regular review or adjustment of their coverage during the policy term, ensuring it continues to fit changing circumstances before the next scheduled visit.
Oscar's Insurance Agency LLC works with individuals and employers in the Houston, Texas area to secure income protection plans. The agency is a general disability insurance agent that also provides supplemental coverage options to strengthen existing policies. It helps professionals design tailored benefits for illness or injury situations. Its services can address the needs of commercial sectors including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Houston Cost?
Costs for disability insurance in Texas vary by age health occupation and benefit amount. Typical premiums range from 1 percent to 3 percent of your annual income. For a 40 year old in good health a policy paying 5000 dollars per month might cost 100 to 200 dollars per month. This is general information not insurance advice.
About disability insurance agents in Houston
Disability insurance agents in Houston Texas help individuals and businesses secure income protection policies. Texas law does not require employers to provide disability insurance so many workers seek private coverage. A local agent can explain policy terms and guide you through the claims process in Harris County.
Frequently Asked Questions
What does a disability insurance agent in Houston do?
An agent helps you compare policies from different carriers. They explain benefit periods elimination periods and occupation definitions. They also assist with filing claims and appeals.
Is disability insurance required by law in Texas?
Texas does not require employers to offer disability insurance. However workers compensation is mandatory for most employers. Private disability insurance is optional but recommended for income protection.
How long do I have to file a disability claim in Texas?
Texas has no specific statute of limitations for private disability claims. However most policies require you to notify the insurer within 30 days of disability. Check your policy for exact deadlines.
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