The top-rated disability insurance agent in Temple, Texas is Shaffin Wegener - State Farm Insurance Agent, rated 5.0 stars across 951 reviews. Other highly rated options include Maxwell Financial Group: Allstate Insurance, Nichole Guajardo - State Farm Insurance Agent, Acceptance Insurance. This directory lists 21 disability insurance agents serving Temple.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shaffin Wegener - State Farm Insurance Agent | 4212 S 5th St | (254) 228-0369 |
| 2 | Maxwell Financial Group: Allstate Insurance | 201 Clinite Grove Blvd Ste 110 | (254) 332-1263 |
| 3 | Nichole Guajardo - State Farm Insurance Agent | 2810 Oakdale Dr | (254) 773-3276 |
| 4 | Acceptance Insurance | 1400 W Adams Ave B | (254) 985-6108 |
| 5 | Tyler Jermstad - State Farm Insurance Agent | 609 Meiomi Dr | (254) 774-9090 |
| 6 | AllAbout Insurance | 4102 S 31st St #300 | (254) 773-3833 |
| 7 | ALPA Insurance | 1420 S 31st St | (254) 295-9400 |
| 8 | Winkler Insurance Agency | 1102 W Adams Ave # B | (254) 771-5600 |
| 9 | Acrisure Temple, TX (The David Nix Agency) | 2526 Blue Meadow Dr | (254) 770-3355 |
| 10 | Coufal Insurance Services | 12270 Moffat Rd | (254) 986-2448 |
Shaffin Wegener - State Farm Insurance Agent serves the Temple, Texas metro area and surrounding communities as a disability insurance agent. The agency assists individuals in understanding how disability coverage can help replace a portion of lost income if an illness or injury prevents them from working. Policy options are explained in plain language to help clients make informed decisions about their financial protection. The agency handles both short-term and long-term disability insurance policies designed to offer income security during recovery periods.
Maxwell Financial Group: Allstate Insurance provides disability insurance agent services in the Temple, Texas area, helping individuals and business owners secure income protection coverage. Their offerings include guidance on policy selection and long-term financial safeguards should a client become unable to work. The company also offers ongoing support for policy maintenance, including annual reviews and claims assistance. It services properties ranging from single-family homes and apartments to retail establishments and restaurants.
Serving Temple, Texas, and the surrounding communities, Nichole Guajardo - State Farm Insurance Agent handles disability insurance policies. These policies help replace a portion of income if a client becomes unable to work due to illness or injury. The agency works with local residents to evaluate individual coverage needs. To complete a typical job, the agency thoroughly reviews a client’s occupation and income to match them with a suitable policy that fits their personal circumstances.
Acceptance Insurance serves homeowners, renters, and business owners in Temple, Texas, offering guidance on disability insurance agent services. It helps local clients understand policy options that replace a portion of income if an injury or illness prevents work. The agency addresses common coverage questions and aid with selecting appropriate plans. These services extend throughout the Temple area and also cover nearby communities like Belton, providing residents with accessible disability insurance support across the broader Central Texas metro region.
As a disability insurance agent in Temple, TX, Tyler Jermstad - State Farm Insurance Agent provides specialized services focused on helping clients secure income protection plans tailored to their personal needs. The agency also offers guidance on broader insurance options to address life’s financial uncertainties. Whether for individuals or small business operations, its work includes explaining policy details and comparing coverage levels. This support becomes especially valuable during colder months when seasonal illnesses unexpectedly keep workers at home and unable to earn their regular wages.
AllAbout Insurance in Temple, TX offers both one-time consultations to review an existing policy and ongoing service for those who need regular adjustments as their circumstances change. The agency helps local residents secure coverage that replaces a portion of their income if they become unable to work due to illness or injury. Services are provided on an as-needed basis, allowing clients to schedule appointments only when a new policy or review is required.
Based in Temple, Texas, ALPA Insurance provides disability insurance agent services to that city and the surrounding Central Texas communities. It handles applications for individual and group disability income protection policies designed to replace a portion of lost earnings due to illness or injury. The agency generally advises clients on benefit amounts and waiting periods that suit their specific financial situations. For a typical job, it follows a process of evaluating a client’s current income, personal budget, and occupational risks to recommend appropriate coverage.
For those in Temple planning for income protection during the fall open enrollment season, Winkler Insurance Agency explains how disability coverage fills gaps in employer benefits. This agency helps working professionals assess policies that replace a portion of salary if illness or injury prevents employment. The process begins with a confidential consultation, discussing waiting periods and benefit amounts based on individual occupation and income. Their initial step involves reviewing current coverage and personal budget before recommending suitable plans. A straightforward assessment of client needs opens the conversation.
What Does a a Disability Insurance Agent in Temple Cost?
The cost of disability insurance in Texas typically ranges from 1% to 3% of your annual income. For a 35 year old non-smoker earning $50,000 per year, a policy might cost $500 to $1,500 annually. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Temple
Disability insurance agents in Temple Texas help individuals and businesses find coverage that protects income if you cannot work. Texas law does not require employers to provide disability insurance, so an agent can explain private options. Local agents understand the needs of workers at Temple industries like healthcare and manufacturing.
Frequently Asked Questions
What does a disability insurance agent in Temple do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods and benefit durations. Agents do not adjust claims but can guide you on how to file.
Is disability insurance required by Texas law?
Texas law does not require employers to offer disability insurance. However, if you work for a company with 50 or more employees, you may be eligible for unpaid leave under the federal Family and Medical Leave Act. Private disability insurance is optional and purchased through an agent.
How do I choose a disability insurance agent in Temple?
Look for an agent licensed in Texas with experience selling individual or group disability policies. Ask about their knowledge of local industries and whether they work with multiple insurance carriers. Check their standing with the Texas Department of Insurance.
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