The top-rated disability insurance agent in Little Elm, Texas is Ryan Dunn - State Farm Insurance Agent, rated 5.0 stars across 410 reviews. Other highly rated options include Ricardo Sempertegui - State Farm Insurance Agent, Michel Hambrick Agency, Nexum Insurance. This directory lists 11 disability insurance agents serving Little Elm.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Dunn - State Farm Insurance Agent | 800 W Eldorado Pkwy Ste 116 | (469) 238-0912 |
| 2 | Ricardo Sempertegui - State Farm Insurance Agent | 1000 E Eldorado Pkwy Suite 60 | (469) 777-4377 |
| 3 | Michel Hambrick Agency | 2601 Little Elm Pkwy Suite 202 | (469) 294-1944 |
| 4 | Nexum Insurance | 407 W Eldorado Pkwy #320 | (972) 292-9752 |
| 5 | Kristian Schwitzer Insurance Agency | 309 W Eldorado Pkwy #210 | (469) 935-7066 |
| 6 | Leissner Agency LLC | 2103 E Eldorado Pkwy #200 | (469) 850-0860 |
| 7 | Allen Insurance Group | 1120 W Eldorado Pkwy | (972) 695-4444 |
| 8 | The Insurance Suite | 5027 Cardinal Ct | (972) 704-3230 |
| 9 | Melliand Insurance | 700 Lake Meadow Ln | (972) 346-4666 |
| 10 | SS Integra Insurance | 2425 Foxwood Ln | (214) 544-9445 |
Ryan Dunn - State Farm Insurance Agent serves the Little Elm, Texas area and surrounding communities in Denton County. The agency focuses on disability insurance, helping local residents protect their income against unforeseen illnesses or injuries. Services include guidance on both short-term and long-term disability policies tailored to individual employment needs. They also assist customers in understanding how these plans coordinate with employer benefits and personal financial strategies. The agency handles policy applications and annual coverage reviews.
Ricardo Sempertegui - State Farm Insurance Agent in Little Elm, TX provides disability insurance agent services to clients in need of income protection and policy guidance. The office assists individuals and families with understanding their coverage options, tailoring plans to help replace lost wages during an illness or injury, and managing claims and policy updates over time through follow-up consultations. Its typical client base includes professionals, single-family homeowners, apartment dwellers, and owners of retail shops and restaurants seeking reliable coverage for their specific financial situations.
Michel Hambrick Agency serves homeowners, renters, and local businesses in Little Elm, Texas who need to protect their income with disability insurance. The agency helps clients understand the importance of replacing lost wages if an illness or injury prevents them from working. Policies can be tailored to meet different professional and personal financial situations. The agent guides customers through the application process and explains policy terms clearly. The agency also offers its disability insurance expertise to residents in the neighboring communities of Frisco and the surrounding Collin County area.
Nexum Insurance serves Little Elm and surrounding communities, helping clients find the right disability insurance coverage. The agency handles policies that protect an individual’s income when illness or injury prevents them from working. Its role involves explaining policy options, comparing plans from various carriers, and guiding clients through application requirements. In handling a typical job, the agent begins by assessing a person’s income and occupation to recommend appropriate benefit amounts and waiting periods for the coverage need.
Kristian Schwitzer Insurance Agency offers clients a choice between one-time consultation and recurring service arrangements for disability coverage needs. The agency assists individuals in Little Elm with policies that replace income if an injury or illness prevents work, ensuring financial protection during recovery. Their services are designed to help residents understand policy terms, benefit periods, and elimination periods as they apply to local employment patterns. This agent operates on an as-needed basis, meaning clients schedule appointments only when they require policy review, plan updates, or new coverage inquiries.
Leissner Agency LLC provides specialized disability insurance agent services for individuals and families in Little Elm, Texas. The company guides clients through the process of selecting and enrolling in coverage plans tailored to protect their income if they become unable to work due to illness or injury. The agency works with local residents to understand policy terms, evaluate benefit amounts, and coordinate application paperwork. During open enrollment periods or after a sudden change in employment status, it helps clients assess their options and secure protection before gaps in coverage arise.
With the arrival of spring seasonal workers often find their coverage needs shifting. Allen Insurance Group in Little Elm, TX focuses on providing disability insurance to protect income when injury or illness prevents work. This local agent assists individuals in evaluating their current policies and understanding how employer benefits might not fully cover long-term needs. A thorough financial review reveals gaps in existing protection against lost earnings from a disabling condition. An initial consultation examines each client’s specific employment situation and risk factors to determine appropriate coverage levels.
The Insurance Suite assists individuals and businesses with income protection strategies, specializing in disability insurance coverage tailored to local needs in Little Elm, Texas. Its agents help clients navigate policy options that replace lost wages due to illness or injury. The company evaluates risk factors and benefit structures for various work environments, including commercial sectors such as offices, warehouses, and food service operations.
Melliand Insurance serves residents in and around Little Elm, Texas, helping them secure personal disability coverage to protect their income against unexpected illness or injury. The agency also assists local business owners in establishing commercial disability insurance plans for their employees throughout the wider region. Each policy is tailored to individual needs, with claims support provided as necessary to facilitate smooth benefit access. Ongoing follow-up ensures that customers can adjust their coverage when life circumstances change, with repeat service coordinated between regular scheduled visits.
SS Integra Insurance serves as a disability insurance agent in Little Elm, TX, known for helping local professionals secure income protection policies. Its service range includes evaluating individual coverage needs for accidents or illnesses that prevent regular work. A full sentence develops this by explaining that the agent guides clients through policy options for short-term and long-term disability benefits, including riders for cost-of-living adjustments. As a specialty service it can add on, the company can assist with integrating employer-sponsored group plans with supplemental personal policies for complete financial security.
What Does a a Disability Insurance Agent in Little Elm Cost?
Disability insurance agent services in Texas typically do not charge a separate fee because agents earn commissions from the insurance company. Policy premiums for a 35-year-old non-smoker in a desk job range from 50 to 150 dollars per month for a 3000 dollar benefit. For higher risk occupations or older ages, premiums can exceed 300 dollars per month. This is general information, not insurance advice.
About disability insurance agents in Little Elm
Disability insurance agents in Little Elm, Texas help residents secure income protection policies and navigate claims. Texas law requires agents to hold a state license and follow the Texas Insurance Code. Local agents understand the needs of families in Denton County and can guide you through policy options.
Frequently Asked Questions
What does a disability insurance agent in Little Elm do?
A disability insurance agent helps you choose a policy that replaces income if you cannot work. They explain policy terms, exclusions, and the claims process. Agents in Texas must follow state regulations on disclosure and suitability.
How do Texas laws affect disability insurance claims?
Texas law does not mandate private disability insurance, but policies are regulated by the Texas Department of Insurance. Claims must be handled in good faith under the Texas Insurance Code. Unfair claim practices can lead to penalties for insurers.
What is the typical cost for disability insurance in Little Elm?
Premiums vary based on age, health, occupation, and benefit amount. In Texas, a 40-year-old in a low-risk job might pay 1 to 3 percent of annual income. For a 5000 dollar monthly benefit, expect 100 to 300 dollars per month. Costs are not fixed and depend on your specific situation.
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