The top-rated disability insurance agent in Yuma, Arizona is Morales Insurance Group, rated 4.9 stars across 935 reviews. Other highly rated options include Andrea's Insurance & Tax, Yuma Risk Management Group, LLC, Martin Armijo - State Farm Insurance Agent. This directory lists 24 disability insurance agents serving Yuma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Morales Insurance Group | 1406 S 4th Ave | (928) 276-4543 |
| 2 | Andrea's Insurance & Tax | 160 S 4th Ave | (928) 783-3322 |
| 3 | Yuma Risk Management Group, LLC | 220 E 16th St Suite 2 | (928) 726-9338 |
| 4 | Martin Armijo - State Farm Insurance Agent | 708 E 32nd St | (928) 341-1150 |
| 5 | Yuma Medicare Supplement Specialist - Luz Rios | 2260 S 4th Ave SUITE L1 | (928) 216-2404 |
| 6 | Katie Figueroa - State Farm Insurance Agent | 1840 S 4th Ave STE 20 | (928) 726-8050 |
| 7 | Inszone Insurance Services | 11487 S Fortuna Rd #3 | (928) 342-3077 |
| 8 | Lillian Jauregui - State Farm Insurance Agent | 2750 S Pacific Ave Ste B | (928) 344-8050 |
| 9 | Yuma Medicare Store | 2260 S 4th Ave Suite L | (928) 247-9178 |
| 10 | Yuma Insurance, Inc. | 2691 S 4th Ave | (928) 344-3500 |
Morales Insurance Group serves the Yuma, Arizona area as a disability insurance agent. The company helps local residents and workers protect their income by offering policies that pay benefits when illness or injury prevents them from working. This coverage is important for those who rely on regular wages to meet everyday expenses. Typical policies replace a portion of lost earnings during recovery. Such professional agents assess individual needs and coordinate with insurers to secure suitable protection. The firm handles both short-term and long-term disability plans for clients in the region.
Andrea's Insurance & Tax provides disability insurance agent services in Yuma, Arizona, assisting clients with applications and policy selection. The company offers ongoing support for plan maintenance, ensuring coverage remains aligned with changing needs and circumstances. Its work focuses on protecting income through long-term or short-term disability solutions. The company serves a range of properties including single-family homes, apartments, retail establishments, and restaurants.
Yuma Risk Management Group, LLC serves local homeowners, businesses, and property managers seeking disability income protection in the Yuma area. The agency helps clients evaluate policy options that provide financial support if an injury or illness prevents them from working. These plans are designed to cover a portion of lost earnings during recovery periods. Yuma Risk Management Group, LLC also assists with policy reviews and claims guidance for existing disability coverage. The company extends its services to residents and businesses in the neighboring community of Somerton, Arizona.
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.
Yuma Medicare Supplement Specialist - Luz Rios provides focused assistance with disability insurance policies, helping individuals protect their income during times of inability to work. The agent serves clients throughout Yuma, Arizona, offering personalized guidance on plan selection and application procedures. This local practice addresses the particular needs of professionals and self-employed workers who lack employer-sponsored sick leave. Seasonal agricultural workers in the region often seek its support before the busy harvest periods begin.
Katie Figueroa - State Farm Insurance Agent offers both one-time policy consultations and recurring service packages through which clients can adjust their disability coverage as their circumstances evolve. Serving the Yuma area, the agency helps individuals protect their income by explaining how disability insurance replaces a portion of earnings during an illness or injury that prevents work. Options range from short-term to long-term coverage plans tailored to different professional needs. Service runs on an as-needed basis to accommodate each client’s request for policy review or enrollment assistance.
Inszone Insurance Services in Sun City West, Arizona provides a full range of disability insurance agent services, including helping clients select appropriate income protection plans. The company also offers ongoing policy maintenance and periodic reviews to ensure coverage remains aligned with changing needs. These consultations help clarify benefit structures for local professionals and small business owners in the area. Their specialty extends to serving clients residing in single-family homes, apartments, retail spaces, and restaurants.
In Yuma, seasonal changes in weather and employment can create uncertainty around income protection. Lillian Jauregui, operating as a local disability insurance agent, helps residents secure coverage that replaces lost wages if illness or injury prevents them from working. This agent guides clients in choosing between short-term and long-term disability plans tailored to individual employment situations and budget. The initial step in the process is a personal meeting to review current coverage gaps and occupation-specific risks, followed by a straightforward assessment to determine suitable policy options and pricing.
What Does a a Disability Insurance Agent in Yuma Cost?
Disability insurance agent services in Arizona are typically paid through commissions from the insurance company, so you may not pay a direct fee. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a 35-year-old in a moderate-risk job, a long-term disability policy might cost between 1% and 3% of annual income. Costs can be higher for high-risk occupations or shorter elimination periods. This is general information and not insurance advice.
About disability insurance agents in Yuma
Disability insurance agents in Yuma Arizona help individuals and businesses find coverage that meets their needs. Arizona law requires agents to be licensed by the Arizona Department of Insurance and to follow specific disclosure rules. Yuma agents understand the local job market and can guide you through policy options for short-term and long-term disability.
Frequently Asked Questions
What does a disability insurance agent in Yuma do?
A disability insurance agent in Yuma helps you compare policies from different insurers. They explain benefit periods, elimination periods, and coverage limits. They do not handle claims but can assist with understanding your policy terms.
Do I need a disability insurance agent in Arizona?
Using an agent can help you find a policy that fits your occupation and income. Arizona does not require you to use an agent, but an agent can simplify the process. They can also explain how Arizona state laws affect policy provisions.
How do I choose a disability insurance agent in Yuma?
Look for an agent licensed in Arizona with experience in disability coverage. Check their standing with the Arizona Department of Insurance. Ask about the insurers they represent and whether they offer policies for your specific occupation.
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