The top-rated disability insurance agent in San Luis, Arizona is Martin Armijo - State Farm Insurance Agent, rated 4.9 stars across 195 reviews. Other highly rated options include R L Jones Insurance Services, Morales Insurance Group LLC - San Luis Office, Farmers Insurance - Gustavo MacGrew. This directory lists 10 disability insurance agents serving San Luis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Martin Armijo - State Farm Insurance Agent | 639 Main St Ste B | (928) 722-1150 |
| 2 | R L Jones Insurance Services | 800 Main St A | (928) 627-8212 |
| 3 | Morales Insurance Group LLC - San Luis Office | 526 N William Brks Ave | (928) 276-4543 |
| 4 | Farmers Insurance - Gustavo MacGrew | 851 Main St | (928) 722-0071 |
| 5 | L.A. Insurance | 705 Main St | (928) 627-6633 |
| 6 | Farmers Insurance - Valentin Guzman - San Luis | 1910 E Cesar Chavez Blvd ste 5b | (928) 627-8000 |
| 7 | R. Abundiz Insurance Services | 689 Main St SUITE 7 | (928) 550-5423 |
| 8 | MD Morgan Medicare | 679 N William Brks Ave suite f | (928) 285-8252 |
| 9 | Martha Garcia American Family Insurance | 1453 Main St D | (928) 627-6690 |
| 10 | Rodney D Young Insurance | 582 Piceno Dr | (928) 627-1252 |
Martin Armijo - State Farm Insurance Agent serves Yuma, Arizona, and the surrounding communities across the lower Colorado River region. This agency handles disability insurance coverage for local residents and small business owners, helping protect their income when illness or injury prevents them from working. The agent works closely with each client to explain the types of disability policies available and assess their individual financial situation. To handle a typical job, the agency reviews the client’s current employment details and family needs before recommending a specific short-term or long-term disability plan.
R L Jones Insurance Services offers disability insurance guidance to individuals and businesses in Yuma, Arizona. The company specializes in helping clients protect income through tailored disability coverage that can supplement existing plans or stand alone. Agents work directly with policyholders to review options for short-term and long-term income replacement. The firm regularly serves professionals in commercial sectors including offices, warehouses, and food service operations.
Morales Insurance Group LLC - San Luis Office serves Yuma County from its location in San Luis, Arizona, offering disability insurance agent services. These professionals assist local residents in securing income protection plans that replace a portion of earnings if illness or injury prevents work. Policies are tailored to individual occupations and health histories, providing financial security during recovery periods. The office handles group disability coverage for small businesses and individual short-term disability policies for self-employed workers.
Farmers Insurance - Gustavo MacGrew in San Luis, AZ provides disability insurance solutions tailored to protect income and financial stability. As a disability insurance agent, it offers initial assessments, policy selection guidance, and ongoing support to ensure clients understand their coverage options. Routine policy reviews and benefit updates are included to maintain consistent protection. The agency assists individuals who rely on their earnings for daily living. Services are available for those with single-family homes, apartments, retail stores, and restaurants.
L.A. Insurance serves homeowners, business operators, and property managers in San Luis, Arizona, by offering disability insurance agent services. The company helps clients understand policy options that provide income protection if an injury or illness prevents work. They guide customers through the application process and assist with claims coordination. Serving the immediate San Luis area, the independent agency also provides coverage guidance to residents and businesses in nearby Somerton.
Farmers Insurance - Valentin Guzman - San Luis provides disability insurance agent services and offers clients a choice between one-time policy evaluations or recurring coverage reviews in San Luis, Arizona. The agency helps residents understand how disability insurance can replace lost income if they become unable to work due to illness or injury. Policies are tailored to individual needs without any commitment to a fixed schedule. Service appointments run on an as-needed basis according to each client's requirements.
R. Abundiz Insurance Services serves the San Luis, Arizona area and surrounding Yuma County communities, handling applications and inquiries for disability income protection policies. The agency assists residents in understanding how short-term and long-term disability coverage can replace a portion of lost wages during illness or injury. It guides clients through the process of filing claims and selecting appropriate coverage options based on their individual employment situations and income needs. The company generally matches applicants with policies offered by major carriers following a thorough review of each client's occupation and medical history.
MD Morgan Medicare specializes in helping clients navigate disability insurance options in San Luis, AZ. It assists individuals with applications and policy selections for income protection plans suited to local employment needs. The agency advises on coverage evaluations and plan changes when residents face job transitions or health status shifts. It also addresses seasonal concerns such as managing coverage during harvest-related work interruptions common in the surrounding agricultural community.
As the harvest season brings more temporary workers and fluctuating incomes to San Luis, many residents seek protection against an unexpected illness or injury that could derail their livelihood. Martha Garcia American Family Insurance provides disability insurance coverage, helping policyholders replace a portion of lost wages if they cannot work. The agent evaluates each client’s occupation and health to match the appropriate policy. Your initial step is an in-person consultation to review your current earnings and personal risk factors.
Rodney D Young Insurance works with individuals to secure income protection through disability insurance policies. This agency specializes in long-term and short-term disability coverage designed to replace a portion of lost wages during illness or injury. Operating in San Luis, AZ, the agency provides plans that help policyholders manage daily expenses while unable to work. It serves professionals in various commercial sectors, including office environments, warehouses, and food service operations.
What Does a a Disability Insurance Agent in San Luis Cost?
Disability insurance agents in Arizona typically charge a fee for their services. Fees may range from 100 to 500 dollars per hour or a flat fee of 500 to 2,000 dollars depending on the complexity of your case. Some agents offer a free initial consultation. Costs vary by case and agent. This is general information and not insurance advice.
About disability insurance agents in San Luis
Disability insurance agents in San Luis, Arizona help you navigate claims for short-term and long-term benefits. Arizona law requires insurers to respond to claims within specific timeframes. Local agents understand the unique needs of residents near the Mexico border and can assist with both English and Spanish language services.
Frequently Asked Questions
What does a disability insurance agent in San Luis do?
A disability insurance agent helps you file claims, gather medical evidence, and appeal denied benefits. They work with private disability policies and employer-provided plans. They do not provide legal advice but can guide you through the process.
How long do I have to file a disability claim in Arizona?
Arizona law does not set a single deadline for all disability claims. Most private policies require you to file within 30 to 90 days of becoming disabled. Check your policy for specific time limits.
Can a disability insurance agent help if my claim is denied?
Yes, an agent can assist with the appeals process. Under Arizona law, you have 180 days to appeal a denial under ERISA plans. The agent can help gather additional medical records and submit a strong appeal letter.
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