The top-rated disability insurance agent in Mountlake Terrace, Washington is Josh Culotti - State Farm Insurance Agent, rated 4.9 stars across 652 reviews. Other highly rated options include PALTA INSURANCE GROUP, Farmers Insurance - Yvonne Spitzenberg, MIIA Insurance. This directory lists 10 disability insurance agents serving Mountlake Terrace.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Josh Culotti - State Farm Insurance Agent | 5720 220th St SW B | (425) 771-2929 |
| 2 | PALTA INSURANCE GROUP | 22725 44th Ave W #207 | (206) 724-3973 |
| 3 | Farmers Insurance - Yvonne Spitzenberg | 6100 219th St SW Ste. 480 | (425) 329-4011 |
| 4 | MIIA Insurance | 6100 219th St SW Ste 480-370 | (425) 477-9292 |
| 5 | Dave Keen: Allstate Insurance | 6603 220th St SW Ste 101 | (425) 686-7801 |
| 6 | Jones-Taylor Insurance Group, LLC | 6100 219th St SW Ste. 480 | (425) 390-4035 |
| 7 | Plaza Insurance Agency | 5505 230th St SW | (425) 778-2134 |
| 8 | James Richard Insurance Services | Mountlake Terrace, WA 98043 | (425) 771-6234 |
| 9 | Helfrich Insurance | 22905 56th Ave W #102 | (425) 776-0447 |
| 10 | Coram Insurance | 6912 220th St SW #113 | (206) 214-7805 |
Serving homeowners, small business owners, and renters in Mountlake Terrace, Washington, Josh Culotti - State Farm Insurance Agent provides disability insurance agent services. It assists clients in securing coverage that can replace a portion of income if an illness or injury prevents them from working. The agency also works with property managers to help protect their financial stability. Beyond Mountlake Terrace, the agent serves nearby communities in the greater Seattle metropolitan area, including Edmonds and Lynnwood.
PALTA Insurance Group serves the Mountlake Terrace area and surrounding Snohomish and King county communities. The agency handles disability insurance policies for local professionals and self-employed individuals. It works with clients to assess specific income protection needs based on occupation and lifestyle. The typical job begins with a consultation to review current coverage gaps and available policy options. The agent then compares plans from multiple carriers to create a tailored benefits package that aligns with the client’s budget and risk tolerance.
Farmers Insurance - Yvonne Spitzenberg in Mountlake Terrace, Washington, provides both one-time consultations for evaluating current disability policies and ongoing services for clients who need regular coverage adjustments. Their work focuses on helping individuals secure income protection through disability insurance, addressing how benefits replace wages during illness or injury. The agent assists with plan selection and claims guidance as needed. Services in this area generally run on a scheduled or as-needed basis.
MIIA Insurance, located in Mountlake Terrace, Washington, specializes in providing personalized disability insurance policies designed to protect an individual’s income. The agency works to guide local professionals, self-employed individuals, and families through the process of selecting appropriate coverage for their specific needs. By focusing on the risk of lost earnings due to illness or injury, the company helps clients understand their policy options in the greater Seattle area. This is particularly relevant for those concerned about financial stability during the fall and winter months when seasonal health issues often arise.
In the Seattle suburbs, navigating winter weather disruptions often raises concerns about income protection. Dave Keen: Allstate Insurance in Mountlake Terrace helps local professionals and hourly workers understand their options for replacing lost earnings due to illness or injury. Agents in this area routinely clarify policy terms regarding pre-existing conditions and benefit durations, ensuring clients grasp coverage limits. Any initial consultation typically begins with a no-obligation review of the applicant’s current earnings and existing workplace benefits to identify gaps.
Jones-Taylor Insurance Group, LLC supports individuals and businesses by offering guidance on disability insurance policies that can help replace lost income when a person cannot work due to injury or illness. Based in Mountlake Terrace, Washington, this agency assists clients in navigating various policy types and coverage levels to suit specific needs and budgets. The firm brings its focused expertise to professionals in offices, warehouses, and food service operations throughout the surrounding area.
Plaza Insurance Agency serves the Mountlake Terrace, Washington area as a provider of disability insurance for individual residents who need income protection. They also work with local businesses to structure commercial disability coverage for employees and key personnel. Their service region includes Mountlake Terrace and the surrounding communities in Snohomish County. Plaza Insurance Agency handles initial policy setup and any necessary amendments or claims assistance between regular visits.
James Richard Insurance Services, based in Mountlake Terrace, Washington, is known for helping clients protect their income through disability coverage. The agency assists individuals and local businesses in selecting policies that provide financial stability during illness or injury. It evaluates various plans to match needs such as short-term or long-term protection. A specialty service it can add on is offering guidance for integrating disability insurance with existing employer-sponsored benefits.
Helfrich Insurance serves the Mountlake Terrace area of Snohomish County, Washington, as a dedicated Disability Insurance Agent. This firm assists individuals in navigating policies that replace income when injury or illness prevents work. It evaluates client needs to match them with suitable coverage from various carriers. The company also handles the application process and provides ongoing support during claims. Specific services include short-term disability insurance and long-term disability insurance, helping residents protect their financial stability.
Coram Insurance provides comprehensive disability insurance agent services to clients in Mountlake Terrace, Washington, including guidance on policy selection and long-term income protection planning. Its ongoing support includes regular policy reviews and claim assistance to help policyholders maintain coverage that adapts to changing medical and financial circumstances. The agent serves individuals with varying needs, protecting income across single-family homeowners, apartment renters, and those employed in local retail establishments and restaurants in the surrounding area.
What Does a a Disability Insurance Agent in Mountlake Terrace Cost?
The cost of disability insurance in Washington varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old office worker, a policy covering 60% of income may cost $100 to $300 per month. Higher risk occupations or longer benefit periods increase premiums. This is general information, not insurance advice.
About disability insurance agents in Mountlake Terrace
Disability insurance agents in Mountlake Terrace help individuals and businesses secure income protection policies. Washington state law requires agents to be licensed by the Office of the Insurance Commissioner. Local agents understand the specific needs of workers in Snohomish County and can guide you through policy options tailored to Washington regulations.
Frequently Asked Questions
What does a disability insurance agent in Mountlake Terrace do?
A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you become unable to work due to illness or injury. They explain policy terms, exclusions, and waiting periods. Agents also assist with filing claims and understanding Washington state insurance rules.
How long do I have to file a disability claim in Washington?
Washington state does not set a single deadline for all disability insurance claims. The time limit depends on your specific policy contract. Most policies require you to notify the insurer within 30 days of becoming disabled and to file a formal claim within 90 days. Check your policy for exact deadlines.
Are disability insurance agents in Washington regulated?
Yes. All disability insurance agents in Washington must be licensed by the Washington State Office of the Insurance Commissioner. Agents must complete continuing education and follow strict ethical standards. You can verify an agents license on the OIC website.