The top-rated disability insurance agent in Bullhead City, Arizona is Paul Bull - State Farm Insurance Agent, rated 4.9 stars across 481 reviews. Other highly rated options include Amanda Carling - State Farm Insurance Agent, Farmers Insurance - Jerry Thompson, Farmers Insurance - Kirk Barton. This directory lists 14 disability insurance agents serving Bullhead City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul Bull - State Farm Insurance Agent | 1840 AZ-95 | (928) 763-5557 |
| 2 | Amanda Carling - State Farm Insurance Agent | 1395 Hancock Rd | (928) 758-4184 |
| 3 | Farmers Insurance - Jerry Thompson | 1788 AZ-95 UNIT 22 | (928) 758-7961 |
| 4 | Farmers Insurance - Kirk Barton | 3640 AZ-95 # 130 | (928) 758-5855 |
| 5 | Wickersham Insurance | 2160 AZ-95 Suite 4 | (928) 758-7999 |
| 6 | Southern Insurance | 1885 Lakeside Dr | (928) 763-4884 |
| 7 | Farm Bureau Financial Services: Carey Fearing | 2071 AZ-95 A | (928) 763-7631 |
| 8 | Citywide Insurance | 1751 AZ-95 ste 195 | (928) 763-6466 |
| 9 | Sharon Rains Rickets American Family Insurance | 1979 AZ-95 #39 | (928) 704-6300 |
| 10 | MAPNA Medicare Insurance, Health & Medicare Advantage Plans, Bullhead City | 1854 AZ-95 | (928) 763-4360 |
Paul Bull - State Farm Insurance Agent serves the Bullhead City, Arizona area as a disability insurance agent. This agency assists local residents in understanding and selecting income protection plans suited to their individual needs. Disability insurance can help replace a portion of lost earnings if a covered illness or injury prevents someone from working. Paul Bull’s office provides guidance on policy options and coverage details. The agency handles both short-term and long-term disability insurance services for individuals in the Bullhead City region.
Amanda Carling, a disability insurance agent in Bullhead City, AZ, offers services including the evaluation of income protection needs and the explanation of benefit options under individual or employer-sponsored plans. The agent assists with policy maintenance, such as reviewing coverage for life changes and guiding clients through claims processes. This office serves single-family homes, apartments, retail establishments, and restaurants in the local area.
Homeowners, businesses, and property managers in Bullhead City turn to Farmers Insurance - Jerry Thompson for guidance on disability insurance agent services. This agency helps clients understand how disability policies can protect income during unexpected illness or injury. Local workers and self-employed professionals benefit from clear explanations of coverage options tailored to their needs. The agency also provides service to residents in the neighboring community of Laughlin, Nevada, ensuring broader access across the Colorado River region.
Farmers Insurance - Kirk Barton serves Bullhead City and the surrounding communities of the lower Colorado River region. It handles disability insurance, which provides income protection if a client becomes unable to work due to illness or injury. The agent works with individuals to understand their specific employment situations and financial needs. To handle a typical job, the agent first reviews a client’s current coverage, then explains how a disability policy can replace lost wages, and finally customizes a plan that aligns with the client’s budget and occupation.
Wickersham Insurance in Bullhead City, AZ assists clients with disability insurance, which involves both one-time policies to protect a single period of absence and recurring coverage options that provide ongoing income replacement. Regardless of the choice, the core service focuses on evaluating individual needs to ensure suitable benefit levels and waiting periods. Support for claims navigation is typically part of the process. This agent operates on a scheduled basis as clients arrange appointments to review or update their plans.
Southern Insurance specializes in disability income protection, focusing on policies that replace lost wages when a client cannot work due to illness or injury. The agency assists individuals and families throughout Bullhead City with evaluating their employment-based coverage and securing individual plans tailored to their occupations. It regularly helps clients adjust their policies during life transitions such as career changes or home purchases. For the summer tourist season in the Colorado River area, Southern Insurance also advises seasonal workers on protecting their income during off-months.
Farm Bureau Financial Services: Carey Fearing provides disability insurance services to individuals in Bullhead City, AZ. As a local agent, the agency guides clients through income protection planning to help cover living expenses if an injury or illness prevents work. Policies can often be customized with additional riders for partial disability or future purchase options. The firm serves a range of commercial sectors, including offices, warehouses, and food service businesses, helping them address their specific risk management needs.
As winter residents return to Bullhead City and the Colorado River recreation season picks up, many local workers and business owners need to protect their income against unexpected illness or injury. Citywide Insurance helps individuals and families in this area review their options for disability coverage that fits their employment situation and monthly budget. The company focuses on matching each client with a practical plan. An initial consultation typically begins with a review of the client’s current earnings, occupation duties, and any existing group benefits.
Serving residential clients in Bullhead City, Arizona, Sharon Rains Rickets American Family Insurance also offers commercial disability income protection to local small businesses. The agency extends its coverage across the surrounding tri-state region. Working as a disability insurance agent in this market involves advising clients on long-term policies to replace lost wages during an illness or injury. Follow-up consultations are provided between regular visits to adjust coverage as personal and business needs evolve.
MAPNA Medicare Insurance, Health & Medicare Advantage Plans, Bullhead City serves clients in Bullhead City, AZ, as a disability insurance agent. The company assists local individuals in securing income protection plans that replace a portion of lost wages due to injury or illness. Working with professionals and self-employed residents, the agency helps evaluate policy features and coverage limits. An added specialty service includes coordinating disability benefits with existing employer-sponsored short-term disability plans.
What Does a a Disability Insurance Agent in Bullhead City Cost?
Disability insurance agent services in Arizona are typically commission-based, meaning you do not pay a fee directly. Policy premiums vary widely based on age, health, occupation, and benefit amount. For example, a 40-year-old in good health might pay between 1% and 3% of their annual income for a policy. Costs can be higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Bullhead City
Disability insurance agents in Bullhead City, Arizona help individuals and businesses secure income protection policies. Arizona law requires agents to be licensed by the Arizona Department of Insurance and Financial Institutions. Local agents understand the unique needs of Bullhead City residents, including those working in tourism, healthcare, and construction.
Frequently Asked Questions
What does a disability insurance agent in Bullhead City do?
A disability insurance agent helps you find a policy that replaces part of your income if you cannot work due to illness or injury. They explain policy terms, compare carriers, and assist with the application process. In Arizona, agents must follow state regulations regarding disclosure and suitability.
How long do I have to file a disability claim in Arizona?
Arizona does not have a specific state statute of limitations for disability insurance claims, but most policies require prompt notice, often within 30 days. For employer-sponsored plans under ERISA, you typically have 180 days to file an initial claim. Check your policy for exact deadlines.
Can a disability insurance agent help with an appeal in Bullhead City?
While agents primarily sell policies, many can guide you through the claims process and refer you to resources for appeals. For denied claims, Arizona law allows you to request a review from the insurer. If the policy is through an employer, ERISA rules apply and give you 180 days to appeal.
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