The top-rated disability insurance agent in Hurricane, West Virginia is Morris Insurance Services, rated 4.9 stars across 243 reviews. Other highly rated options include Caldwell Insurance Agency, Henderson Insurance Inc, Tom Moore - State Farm Insurance Agent. This directory lists 18 disability insurance agents serving Hurricane.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Morris Insurance Services | 3353 Teays Valley Road | (304) 757-5477 |
| 2 | Caldwell Insurance Agency | 3744 Teays Valley Road Suite 101 | (681) 265-3735 |
| 3 | Henderson Insurance Inc | 3275 Teays Valley Road | (304) 562-9681 |
| 4 | Tom Moore - State Farm Insurance Agent | 3745 Teays Valley Road | (304) 757-7711 |
| 5 | Kirtley Insurance Services | 111 County Rd 19 Ste C | (304) 562-9226 |
| 6 | Brightway Insurance, The Mays Agency | 600 Prestige Park Dr Ste B1 Ofc 4 | (304) 814-2509 |
| 7 | Comparion Insurance Agency | 3955 Teays Valley Road | (304) 757-4220 |
| 8 | Kathleen Roebuck Insurance Agency | 3761 Teays Valley Road suite e | (304) 720-8405 |
| 9 | Mike Ward Insurance Inc | 2702 Main St | (304) 713-2544 |
| 10 | Nationwide Insurance: Theresa Lynn Perre Agency | 3791 Teays Valley Road | (304) 757-9337 |
Morris Insurance Services focuses exclusively on disability insurance, helping clients in Hurricane, West Virginia, protect their income against unforeseen health issues. It guides individuals through policy selection, benefit structures, and application processes, ensuring coverage aligns with personal financial needs. The agency serves both professionals and self-employed residents, addressing the specific risks common within the local employment landscape. A particular seasonal concern it helps with is planning for winter-related injuries that could lead to extended time away from work.
Many residents of Hurricane, West Virginia, seek financial protection during open enrollment or after a sudden health change, and Caldwell Insurance Agency provides dedicated guidance tailored to those needs. Local individuals or business owners looking for income replacement due to injury or illness benefit from a straightforward consultation focused on policy options in the area. The agent outlines coverage features and the application requirements for each plan. After the initial conversation and document review, a full preliminary assessment and comparison of benefit details are scheduled.
Henderson Insurance Inc serves the Hurricane, West Virginia, area as a disability insurance agent. It helps local residents understand and select income protection plans designed to replace a portion of earnings if an illness or injury prevents them from working. The company guides clients through the process of evaluating different policy options, waiting periods, and benefit durations. Henderson Insurance Inc handles both short-term disability coverage for temporary impairments and long-term disability policies for more extended periods of inability to work.
Tom Moore - State Farm Insurance Agent in Hurricane, WV, provides a range of disability insurance agent services, including consulting on long-term and short-term income protection plans designed to replace lost wages during illness or injury. The office also assists with policy reviews and plan adjustments to ensure ongoing coverage meets changing client needs. Maintenance plans involve periodic check-ins to update beneficiaries and adapt to life events such as job changes or family growth. The agency services clients with single-family homes, apartments, retail, and restaurants in the local area.
Serving homeowners, business owners, and self-employed professionals in the Hurricane, WV area, Kirtley Insurance Services connects clients with disability insurance policies designed to replace lost income due to illness or injury. The agency evaluates each individual’s occupation, earnings, and coverage needs to identify suitable options that provide financial security during recovery periods. Operating as a local disability insurance agent, the company guides clients through plan comparisons and the application process. It also covers neighborhoods and businesses across the greater Putnam County region and into neighboring Teays Valley.
Brightway Insurance, The Mays Agency in Hurricane, WV, distinguishes between one-time disability insurance consultations for specific policy evaluations and recurring service options for clients needing ongoing plan adjustments. The agency’s coverage focuses on providing income replacement solutions for individuals when injury or illness prevents work. This includes discussing policy features that protect against lost wages during recovery periods. Service operates on a scheduled basis, with clients arranging periodic reviews to update coverage as their personal circumstances change over time.
Comparion Insurance Agency serves clients in Hurricane, West Virginia, and the surrounding Kanawha Valley communities. It handles disability insurance policies that provide income protection for workers who cannot perform their job duties due to illness or injury. The agency works with both short-term and long-term coverage options to help local residents safeguard their earnings. To handle a typical job, it first reviews the client’s occupation and monthly expenses to determine an appropriate benefit amount and elimination period.
Kathleen Roebuck Insurance Agency specializes in disability insurance, offering policies that replace a portion of income if a client cannot work due to illness or injury. It also serves the Hurricane, West Virginia area with general insurance guidance tailored to individual needs. The agency helps clients understand protection options important for local trades and healthcare workers. With winter travel risks and seasonal strain injuries common in the region, the agency assists workers in securing coverage before such events occur.
As winter weather in Hurricane can bring unexpected disruptions, residents may find themselves needing to protect their income from an unforeseen absence. Nationwide Insurance: Theresa Lynn Perre Agency provides disability insurance agent services to help individuals secure financial stability if they cannot work due to illness or injury. The agency offers personalized consultations to review local coverage options. An initial eligibility assessment is typically scheduled to begin the process.
What Does a a Disability Insurance Agent in Hurricane Cost?
Typical costs for disability insurance agent services in West Virginia vary. Agents usually earn a commission from the insurance company, so there is often no direct fee to you. Premiums for individual disability policies in West Virginia range from 1% to 3% of your annual income, depending on age, health, and occupation. Costs vary by case. This is general information, not insurance advice.
About disability insurance agents in Hurricane
Disability insurance agents in Hurricane, West Virginia help residents and small business owners find coverage that meets their needs. West Virginia law requires disability insurance policies to include specific provisions, such as a 30-day grace period and a 60-day time limit for filing claims. Local agents can guide you through these requirements and help you understand how state regulations affect your policy.
Frequently Asked Questions
What does a disability insurance agent in Hurricane do?
A disability insurance agent helps you find and purchase a policy that fits your income and occupation. They also assist with understanding policy terms, filing claims, and navigating West Virginia insurance laws.
How do I choose a disability insurance agent in West Virginia?
Look for an agent licensed in West Virginia with experience in disability coverage. Ask about their knowledge of state-specific rules, such as the 30-day grace period and the 60-day claim filing window.
Are there West Virginia laws that affect disability insurance?
Yes. West Virginia Code Section 33-15-4 requires disability policies to include a 30-day grace period and a 60-day time limit for submitting proof of loss. Agents can explain how these rules apply to your policy.
Disability Insurance Agents in Other West Virginia Cities
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