The top-rated disability insurance agent in Fremont, California is Farmers Insurance - Virginia Tam, rated 4.9 stars across 385 reviews. Other highly rated options include Kelvin Thomas - State Farm Insurance Agent, Ninna Chugh - State Farm Insurance Agent, Christina Zeng - State Farm Insurance Agent. This directory lists 18 disability insurance agents serving Fremont.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Virginia Tam | 833 Corporate Way | (510) 683-3883 |
| 2 | Kelvin Thomas - State Farm Insurance Agent | 3100 Capitol Ave f | (510) 796-9666 |
| 3 | Ninna Chugh - State Farm Insurance Agent | Thornton Plaza, 3650 Thornton Ave | (510) 791-1100 |
| 4 | Christina Zeng - State Farm Insurance Agent | 34245 Fremont Blvd | (510) 573-2699 |
| 5 | Farmers Insurance - Stephanie Lua | 43052 Christy St | (510) 771-9996 |
| 6 | Gleetopia Insurance | 38069 Martha Ave #500 | (650) 898-2838 |
| 7 | Tina Vu - State Farm Insurance Agent | 46923 Warm Springs Blvd #208 | (510) 979-9599 |
| 8 | Kevin Nuss - State Farm Insurance Agent | 39500 Stevenson Pl Ste 208 | (510) 818-2830 |
| 9 | Farmers Insurance - Jeffrey Carvalho | 2188 Peralta Blvd Suite A | (510) 791-6911 |
| 10 | Brian Moos - State Farm Insurance Agent | 39159 Paseo Padre Pkwy #109 | (510) 792-3022 |
Farmers Insurance - Virginia Tam serves Fremont, California, and the surrounding Alameda County area, specializing in disability insurance agent services. This agency helps clients obtain income protection policies designed to replace a portion of earnings if an injury or illness prevents them from working. The company assists individuals and families in evaluating plan options that suit their specific financial needs. It also guides customers through applications for both short-term and long-term disability coverage.
Kelvin Thomas - State Farm Insurance Agent in Fremont, CA, provides disability insurance coverage to help protect income during illness or injury. The agency offers personalized consultations to assess individual needs and recommends suitable policy options from State Farm. Ongoing support includes assistance with claims filing and policy adjustments as circumstances change. Services are available for individuals residing in single-family homes, apartments, retail stores, and restaurants throughout the Fremont area.
Homeowners, renters, and small business owners in Fremont, California work with Ninna Chugh – State Farm Insurance Agent for disability insurance coverage. This agent helps clients understand how disability policies can protect their income if illness or injury prevents them from working. The agency guides customers through plan selection and claim processes. It also assists professionals and families in nearby Newark and the broader Tri-City area with personalized disability insurance services.
Serving Fremont and the surrounding communities in Alameda County, Christina Zeng - State Farm Insurance Agency provides disability insurance solutions designed to protect income against unexpected illness or injury. It handles individual and employer-related policies, helping clients understand how benefits replace lost wages during recovery. The agency guides clients through plan comparison and the application process, ensuring coverage aligns with their financial needs and daily expenses. Its approach involves clearly explaining policy terms, exclusions, and waiting periods before any commitment is made.
Farmers Insurance - Stephanie Lua in Fremont, CA distinguishes between initial one-time policy setup and ongoing service adjustments. As a disability insurance agent, this office helps individuals secure coverage that replaces a portion of lost income if injury or illness prevents work. Local clients rely on such protection to maintain financial stability during recovery. Services address both short-term and long-term policy needs, with options tailored to personal employment situations. Assistance runs on an as-needed basis after the initial policy is established.
Gleetopia Insurance specializes in providing tailored disability income protection policies, helping clients in Fremont, California, secure coverage that aligns with their specific professional and financial needs. It assists individuals and self-employed workers in understanding policy options and navigating the claims process to ensure benefits are received when necessary. The company advises on common coverage gaps, such as the need for short-term or long-term policies. This guidance becomes particularly valuable when a client faces an unexpected injury or illness that could interrupt their ability to earn a steady paycheck.
As residents of Fremont plan for life’s uncertainties, disability insurance provides essential income protection when illness or injury prevents work. Tina Vu, operating a locally focused State Farm agency, helps individuals and families navigate these critical coverage decisions to safeguard their financial stability. Drawing on established industry knowledge, the agent explains policy features, waiting periods, and benefit durations tailored to each client’s occupation and lifestyle. The process begins with a thorough review of the client’s current income needs and existing benefits during an initial consultation.
Kevin Nuss operates as a disability insurance agent in Fremont, CA, helping clients secure income protection for unexpected health events. As a State Farm Insurance Agent, the practice offers additional policy options that can integrate with broader financial planning. Work involves assessing individual needs and guiding applicants through coverage selection to safeguard earnings during medical leave. The agency serves diverse commercial sectors, including local offices, warehouses, and food service businesses requiring tailored disability solutions for employees.
Serving residents of Fremont, Farmers Insurance - Jeffrey Carvalho offers disability insurance agent services. Commercial disability coverage is also provided for local businesses throughout the Fremont area. The agency helps clients understand policy options that protect income during illness or injury. Taking a straightforward approach, they review individual needs and explain plan details. After initial consultation, they handle claims assistance and answer questions, ensuring clients receive follow-up support between regular visits to keep policies aligned with life changes.
Brian Moos - State Farm Insurance Agent in Fremont, CA, serves local residents and small business owners by providing disability insurance coverage that protects income if an illness or injury prevents work. The agency assists clients in understanding policy options tailored to various professions and income levels within the greater Bay Area. As part of its service range, the office also offers guidance on integrating disability protection with existing financial plans for a more comprehensive safety net approach.
What Does a a Disability Insurance Agent in Fremont Cost?
Disability insurance agent services in California typically do not charge a separate fee because agents earn commissions from insurance carriers. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a healthy individual, monthly premiums might range from 1% to 3% of the monthly benefit amount. For example, a 40-year-old professional might pay between 50 and 150 dollars per month for a 5,000 dollar monthly benefit. Costs are higher for high-risk occupations or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Fremont
Disability insurance agents in Fremont, California help individuals and businesses secure income protection policies. California law requires employers to provide State Disability Insurance (SDI) through payroll deductions, but private agents can assist with supplemental coverage. Agents also guide clients through the claims process and appeals under California Insurance Code Section 10128.
Frequently Asked Questions
What does a disability insurance agent in Fremont do?
A disability insurance agent helps you find and apply for private disability policies. They explain policy terms, compare options from different carriers, and assist with filing claims. In California, agents must be licensed by the California Department of Insurance.
How is California SDI different from private disability insurance?
California SDI is a state-run program that provides partial wage replacement for workers who cannot work due to non-work-related illness or injury. Private disability insurance offers additional coverage and can be customized. An agent can help you understand how both work together.
Do I need a disability insurance agent if I already have SDI?
Yes, because SDI benefits are limited in amount and duration. A private disability policy can fill gaps in coverage. An agent in Fremont can evaluate your income and recommend a plan that meets your needs under California law.
Disability Insurance Agents in Other California Cities
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