The top-rated disability insurance agent in Spokane, Washington is Western Insurance Associates, rated 4.9 stars across 493 reviews. Other highly rated options include Affordable Insurance, Finders Insurance, KBG Insurance & Financial. This directory lists 17 disability insurance agents serving Spokane.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Western Insurance Associates | 608 N Maple St | (509) 279-0999 |
| 2 | Affordable Insurance | 1514 W Northwest Blvd | (509) 279-2100 |
| 3 | Finders Insurance | 2103 N Division St STE C | (509) 466-9611 |
| 4 | KBG Insurance & Financial | 601 W 1st Ave Suite 1400 | (509) 242-3244 |
| 5 | Jorgensen Insurance Agency | 816 W Francis Ave PMB#551 | (509) 563-4413 |
| 6 | Lilac Insurance Group, LLC | 5522 N Wall St | (509) 747-2531 |
| 7 | Kraft Insurance | 3151 E 29th Ave Suite 202 | (509) 343-5555 |
| 8 | The Advisors Insurance Agency | 601 W Riverside Ave Ste 230 | (509) 928-1111 |
| 9 | Alpine Insurance Inc | 59 E Queen Ave #112 | (509) 325-7350 |
| 10 | Marsh McLennan Agency | 501 N Riverpoint Blvd STE 403 | (509) 838-3501 |
Western Insurance Associates serves the Spokane, Washington metro area and surrounding Spokane County as a Disability Insurance Agent. This agency helps local professionals, small business owners, and individuals find income protection plans that pay a portion of their salary if they become unable to work due to illness or injury. It guides clients through the complexities of short-term and long-term disability policies to secure coverage tailored to their specific employment circumstances and financial needs.
Affordable Insurance provides disability insurance agent services in Spokane, Washington. It helps individuals and business owners understand how disability coverage protects income during illness or injury. The agency offers assistance with initial policy selection and periodic policy reviews to ensure coverage keeps pace with changing needs. Clients may schedule consultations to discuss benefit terms and waiting periods. Affordable Insurance serves single-family homes, apartment residents, retail workers, and restaurant employees within the local community.
Finders Insurance serves the Spokane, Washington, metro area as a disability insurance agent. The company assists local residents with understanding and securing coverage that provides income protection in the event of an illness or injury. As an independent agent, it helps clients compare policy options from multiple insurers to find a plan that fits their specific needs. The agency handles both short-term and long-term disability insurance policies for individuals in the Spokane region.
KBG Insurance & Financial serves homeowners, renters, and small business owners in the Spokane area, providing disability insurance agent services to help individuals protect their income if an illness or injury prevents them from working. The company assists clients in evaluating policy options that can replace a portion of lost earnings during recovery periods. Alongside Spokane, KBG Insurance & Financial also covers the neighboring community of Cheney, ensuring residents in that metro area have access to similar coverage guidance.
Serving clients throughout Spokane, Washington, and the surrounding communities, Jorgensen Insurance Agency provides disability insurance agent services in this region. It helps individuals understand and secure coverage that can offer financial protection if an injury or illness prevents them from working. The agency focuses on explaining policy options and matching them to each client's specific circumstances. A typical job is handled by first assessing the client’s current income and occupation, then presenting plans that best fit their long-term needs.
Lilac Insurance Group, LLC specializes in securing disability income protection for individuals and groups in Spokane, WA. The agency guides clients through policy options that replace a portion of lost earnings during illness or injury. It serves a wide range of professionals by assessing personal coverage needs and comparing insurer terms. This agent helps residents prepare for the financial impact of a sudden health crisis or an extended recovery period at the end of a holiday season.
Residents considering disability income protection can choose between a one‑time policy evaluation or recurring service options for ongoing plan reviews and claim support. Kraft Insurance offers guidance on coverage specifically tailored to those living and working in Spokane, Washington. The company assists clients in understanding policy features such as benefit periods and elimination periods, which vary by individual needs. All professional interactions follow industry standards for privacy and advice. Service runs on a one‑time, scheduled, or as‑needed basis to accommodate different client circumstances.
The shifting seasons of the Inland Northwest often bring changes in work patterns and health routines. The Advisors Insurance Agency in Spokane, WA serves residents facing these transitions by structuring plans that replace income during unexpected medical leaves. An agent works closely with clients to clarify policy terms regarding various illnesses and injuries. This process ensures the coverage aligns with each professional’s specific earnings and occupation. An initial no-obligation assessment, which reviews current coverage gaps or needs, marks the first step to building a suitable plan.
Alpine Insurance Inc serves residents of Spokane, Washington with disability insurance coverage tailored to individual needs. The agency also assists local businesses in acquiring commercial disability policies to protect their workforce. Service extends throughout the greater Spokane area and surrounding communities. Their agents help clients understand how disability coverage can safeguard income during illness or injury. Policyholders can reach out between their regular annual reviews for any necessary adjustments or questions about their plans.
Marsh McLennan Agency provides disability insurance agent services in the Spokane area, assisting individuals with policies that replace income during illness or injury. Their specialty includes short-term and long-term disability add-ons, which can be customized to address specific waiting periods and benefit durations for clients. They serve a diverse range of commercial sectors, including professional offices, warehouses, and food service establishments needing reliable coverage for their employees.
What Does a a Disability Insurance Agent in Spokane Cost?
Disability insurance premiums in Washington typically range from 1% to 3% of your annual income, depending on age, health, occupation, and benefit terms. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs vary significantly by case and insurer. This is general information, not insurance advice.
About disability insurance agents in Spokane
Disability insurance agents in Spokane Washington help individuals and businesses find the right short-term or long-term disability coverage. Washington state law requires certain employers to provide paid family and medical leave through the WA Cares Fund, but private disability insurance can supplement this coverage. Agents in Spokane can explain how these state benefits interact with private policies and help you choose a plan that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Spokane do?
A disability insurance agent helps you compare policies from different insurers to find coverage that matches your income and health situation. They explain policy terms, waiting periods, benefit amounts, and how Washington state paid leave affects private insurance. They do not provide legal advice or handle claims disputes.
Do I need private disability insurance if I have Washington state paid leave?
Washington state paid family and medical leave provides partial wage replacement but has a cap on weekly benefits. Private disability insurance can cover additional income and often offers longer benefit periods. An agent can help you decide if a private policy is right for you based on your income and risk tolerance.
How do I choose a disability insurance agent in Spokane?
Look for an agent who is licensed in Washington state and has experience with disability insurance. Ask about their familiarity with local employers and Washington state leave laws. You can verify an agent license through the Washington State Office of the Insurance Commissioner.