The top-rated disability insurance agent in Layton, Utah is Stratford Insurance Group, rated 4.9 stars across 782 reviews. Other highly rated options include Richard Dunkley - State Farm Insurance Agent, Mountain Ridge Insurance Group, Farm Bureau Financial Services: Jordan Spicer. This directory lists 15 disability insurance agents serving Layton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stratford Insurance Group | 2307 N Hill Field Rd STE 103 | (801) 784-4938 |
| 2 | Richard Dunkley - State Farm Insurance Agent | 1706 N Heritage Park Blvd Ste 3 | (801) 773-3121 |
| 3 | Mountain Ridge Insurance Group | 393 W Gordon Ave Suite 1 | (801) 820-6402 |
| 4 | Farm Bureau Financial Services: Jordan Spicer | 1528 Woodland Park Dr Ste 10 | (385) 393-2747 |
| 5 | Kevin Bell - Farm Bureau Financial Services | 1010 N Hill Field Rd Suite 200 | (385) 393-2750 |
| 6 | C and C Insurance | 2182 N Hill Field Rd Ste 1 | (801) 774-0704 |
| 7 | Taylor and Walker Insurance Group | 1992 Antelope Dr #110 | (801) 773-7327 |
| 8 | Ben Gibby: Allstate Insurance | 2984 N Hill Field Rd Suite B | (801) 773-5100 |
| 9 | Fringe Benefit Analysts LLC | 872 Heritage Park Blvd Suite 205 | (801) 546-6004 |
| 10 | Secured Pillar Insurance LLC | 401 W 2000 N | (801) 997-8116 |
Stratford Insurance Group serves Layton and Davis County, Utah, as a local provider of disability insurance agent services. The company assists individuals with understanding and selecting income protection policies that replace lost wages during illness or injury. Clients work directly with an agent to navigate the complexities of short-term and long-term disability coverage tailored to personal or professional needs. Stratford Insurance Group specifically handles employee benefit disability plans and individual income protection policies for self-employed residents in this area.
Richard Dunkley - State Farm Insurance Agent in Layton, UT, provides disability insurance services focusing on income protection for individuals who become unable to work due to injury or illness. The agency offers ongoing policy reviews and claim support to help clients maintain coverage that meets their evolving needs. Service plans include consultation on benefit options and assistance with policy updates as circumstances change. This agent serves single-family homes, apartments, retail businesses, and restaurants throughout the local area.
Mountain Ridge Insurance Group serves homeowners, businesses, and professionals in Layton, Utah, who need personal disability income protection or group coverage for their employees. The agency works with individuals and employers to find policies that help replace lost income during illness or injury. They also guide clients through underwriting requirements and plan comparisons for both short-term and long-term coverage. The company additionally serves the broader Davis County area, including communities such as Kaysville and Farmington.
Serving Layton, Utah, and the surrounding communities, it provides disability insurance agent services. It helps clients find coverage to protect their income from illness or injury. The agency works with individuals and local families, explaining policy options and application requirements in a straightforward manner. Farm Bureau Financial Services: Jordan Spicer prioritizes understanding each client’s specific financial situation and employment type when reviewing disability insurance plans. With a focus on clear communication, it typically begins by evaluating the client’s current coverage and income needs before recommending suitable policy solutions.
Kevin Bell of Farm Bureau Financial Services in Layton, UT, offers both one-time consultations and ongoing service for disability insurance, with the latter providing continuous coverage adjustments as life circumstances evolve. Disability insurance protects income by replacing a portion of earnings if an illness or injury prevents work, a critical safeguard for local professionals and tradespeople. Policy details such as elimination periods and benefit durations are tailored to individual needs. This service runs on either a scheduled or as-needed basis, typically including periodic policy reviews with clients.
C and C Insurance provides specialized disability insurance agent services in Layton, UT, focusing on income protection policies that safeguard workers against lost wages due to illness or injury. Its general service work includes guiding clients through policy options tailored to their specific occupations and health conditions. As winter driving conditions or seasonal workplace hazards in northern Utah increase the risk of disabling accidents, C and C Insurance helps residents review coverage limits before such predictable risks arise.
Taylor and Walker Insurance Group assists individuals and businesses with securing financial protection against lost income due to illness or injury. The agency specializes in offering tailored disability insurance agent services in the Layton, UT area. Policies are designed to replace a portion of wages when a policyholder cannot work due to covered medical conditions. The agents guide clients through plan selection to match varying income needs and job risks. The firm serves local commercial sectors including offices, warehouses, and food service.
As local residents adjust their budgets for the start of a new season, securing income protection often becomes a priority. Ben Gibby: Allstate Insurance serves the Layton, UT area by helping individuals understand their options for disability insurance. These agents guide clients through policies designed to replace a portion of lost wages following an illness or injury. They clarify benefit periods, waiting times, and coverage terms during a personal consultation. An initial assessment of the client’s current employment and financial situation is scheduled to begin the process.
Fringe Benefit Analysts LLC in Layton, UT provides residential disability insurance agent services, helping individuals protect their income during illness or injury. The company also offers commercial coverage for local businesses seeking to safeguard employees. Their service area encompasses the surrounding Utah communities north of Salt Lake City. Clients often receive follow-up assistance to adjust coverage as life circumstances change, ensuring policies remain suitable between regular policy review visits.
Secured Pillar Insurance LLC in Layton, UT, is known as a dedicated disability insurance agent, serving clients seeking income protection for unexpected health events. The agency guides individuals through policy options that replace a portion of lost earnings due to injury or illness. It covers short-term and long-term disability plans, tailoring each to fit a client's occupational risks and income needs. A specialty service it can add on is a waiver-of-premium rider, which keeps the policy active without further payments if the policyholder becomes totally disabled.
What Does a a Disability Insurance Agent in Layton Cost?
Disability insurance costs in Utah vary based on age, health, occupation, and coverage amount. Typical premiums range from 1 percent to 3 percent of your annual income. For a 40 year old in a low risk job, a policy replacing 60 percent of income may cost between 50 and 150 dollars per month. This is general information, not insurance advice.
About disability insurance agents in Layton
Disability insurance agents in Layton, Utah help individuals and businesses find coverage that meets their needs. Utah law requires certain disability benefits for state employees and offers tax advantages for private disability premiums. Agents can explain how Utah specific regulations affect your policy options and claim processes.
Frequently Asked Questions
What does a disability insurance agent in Layton do?
A disability insurance agent helps you compare policies from different carriers, explains coverage details, and assists with applications. They can also help you understand how Utah state laws affect your disability benefits.
How long do I have to file a disability claim in Utah?
Utah does not set a specific statute of limitations for private disability claims, but most policies require you to submit proof of loss within 90 days. Check your policy for exact deadlines.
Are disability insurance premiums tax deductible in Utah?
In Utah, premiums for individual disability insurance are generally not tax deductible. However, if your employer pays the premiums and includes them as income, the benefits may be tax free. Consult a tax professional for your situation.
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