The top-rated disability insurance agent in Concord, California is Globe Life American Income Division: McQuade Organization, rated 4.9 stars across 1,289 reviews. Other highly rated options include Freeway Insurance, TruSummit Insurance, Farmers Insurance - Zuleima Garcia. This directory lists 19 disability insurance agents serving Concord.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: McQuade Organization | 4005 Port Chicago Hwy Suite 225 | (925) 849-6864 |
| 2 | Freeway Insurance | 1701 Monument Blvd Ste H | (925) 951-0953 |
| 3 | TruSummit Insurance | 51 John Glenn Dr | (925) 452-6969 |
| 4 | Farmers Insurance - Zuleima Garcia | 2691 Monument Blvd Ste 17 | (925) 691-9225 |
| 5 | HealthMarkets Insurance - Steve Snyder | 1200 Contra Costa Blvd Suite A | (510) 599-4700 |
| 6 | Allstate Insurance: Rudy Ortiz | 2280 Diamond Blvd # 140 | (925) 326-2040 |
| 7 | Farmers Insurance - John Duncan | 5356 Clayton Rd # 220A | (925) 825-1808 |
| 8 | Mainstream Insurance Services, LLC | 1320 Willow Pass Rd Suite 600 | (925) 326-6895 |
| 9 | Health Wise Insurance Agency | 1470 Civic Ct #350 | (866) 349-7050 |
| 10 | Farmers Insurance - Israel Martinez | 3119 Clayton Rd | (925) 246-2976 |
Globe Life American Income Division: McQuade Organization serves the Concord, California area and the surrounding Contra Costa County region. As a disability insurance agent practice, it helps individuals and families obtain financial protection against income loss due to illness or injury. The firm guides clients through the selection of appropriate coverage tailored to their needs in this local community. It specifically handles disability income insurance and works with supplemental accident policies in this area.
Freeway Insurance provides disability insurance agent services in Concord, California, helping individuals secure income protection for unexpected medical conditions. It offers consultation to explain policy options and assists clients with the application process for short-term or long-term coverage. The agency also supports ongoing policy maintenance, including updates to coverage levels and claims filing guidance. This ensures that policyholders can adjust their plans as their financial needs or employment circumstances change. These services are available for single-family homeowners, apartment residents, retail workers, and restaurant employees seeking reliable income loss protection.
TruSummit Insurance provides disability insurance agent services in the Concord, California area, assisting clients with evaluating their income protection options and navigating disability policy applications. The company also offers ongoing policy reviews and support for claim submissions to help maintain coverage over time. It services individual clients and local businesses, including single-family homes, apartment tenants, retail store owners, and restaurant operators.
Farmers Insurance - Zuleima Garcia serves homeowners, businesses, and property managers in Concord, California by offering disability insurance agent services that help replace lost income if injury or illness prevents work. These policies provide financial protection by covering a portion of regular earnings during recovery. Clients receive personalized guidance to select appropriate coverage levels based on individual circumstances and income needs. The agency also assists residents in nearby Pleasant Hill with similar disability insurance solutions tailored to their professional and residential situations.
HealthMarkets Insurance - Steve Snyder serves Concord, California, and the surrounding communities within Contra Costa County. The agency handles disability insurance coverage for local residents, helping individuals protect their income against potential injury or illness that prevents them from working. In a typical engagement, the agent first reviews the client's employment situation and financial obligations to determine appropriate coverage. This straightforward approach allows for tailored solutions that address the specific gaps in each client's financial safety net.
Clients in Concord seeking disability insurance can choose between a one-time policy purchase or a recurring service plan that covers ongoing needs. A local agent provides guidance on protecting a portion of income if illness or injury prevents work. Policies help replace lost wages through regular benefit payments during a defined recovery period. Evaluating different plan structures ensures coverage aligns with individual financial obligations and employment circumstances. This service operates on either a scheduled or as-needed basis, depending on the client's preference for policy reviews and future adjustments.
Farmers Insurance - John Duncan in Concord, CA provides specialized disability insurance agent services, helping clients protect their income against unexpected injuries or illnesses. The agency also offers general guidance on planning for financial stability when a medical condition prevents regular work. This local resource assists individuals in understanding policy options that can replace lost wages during recovery or long-term care. It is particularly helpful for residents preparing for the seasonal increase in workplace and outdoor accidents that occur during the winter months.
In the Bay Area, changing seasons often prompt residents to review their financial protections, and securing income against unexpected illness or injury becomes a priority. Mainstream Insurance Services, LLC in Concord advises individuals on disability insurance plans suited to local professions and self-employment needs. Focusing on coverage specifics and policy riders, agents explain options that replace lost wages during recovery. The process concludes with a no-obligation consultation to review personal risk factors and determine appropriate benefit amounts.
Health Wise Insurance Agency serves Concord, California residents with disability income protection policies. The company also offers commercial disability coverage for local businesses seeking to safeguard their operations. Their service area includes Concord and the surrounding Contra Costa County communities. An agent explains policy options for income replacement due to illness or injury, adjusting coverage to fit individual situations and financial needs. Returning clients often schedule periodic reviews with their agent to update their policies as circumstances change between regular visits.
Farmers Insurance - Israel Martinez provides disability insurance products to individuals and businesses in and around Concord, California. As a dedicated agent, the company helps clients arrange income protection that replaces lost wages due to illness or injury. It also offers streamlined policy consultations to match coverage with specific occupational needs. Commercial clients across various sectors can benefit from these tailored solutions, including those operating in local offices, warehouses, and food service establishments.
What Does a a Disability Insurance Agent in Concord Cost?
The cost of disability insurance in California varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old in a low-risk job, a policy might cost $50 to $150 per month. High-risk occupations or larger benefits can cost more. This is general information, not insurance advice.
About disability insurance agents in Concord
A disability insurance agent in Concord, California can help you understand your policy options and file claims. California has specific laws like the Paid Family Leave program and state disability insurance (SDI) that affect private policies. Working with a local agent ensures you get guidance tailored to Concord and the East Bay area.
Frequently Asked Questions
What does a disability insurance agent in Concord do?
An agent helps you compare disability insurance plans from different carriers. They explain policy terms, exclusions, and benefit amounts. They also assist with the application process and can advise on how California SDI interacts with private coverage.
How is California disability insurance different from private coverage?
California has a state-mandated disability insurance program (SDI) that provides partial wage replacement. Private disability insurance can supplement SDI or provide coverage for those not eligible. An agent can explain how these work together.
Are there time limits for filing a disability claim in California?
Yes, California law requires you to file a claim for state disability benefits within 49 days of becoming disabled. Private policies have their own deadlines, typically 30 to 90 days. An agent can help you meet these time limits.
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