The top-rated disability insurance agent in Poway, California is Farmers Insurance - Marc Nimetz, rated 5.0 stars across 177 reviews. Other highly rated options include Kristin Francy - State Farm Insurance Agent, Del Dios Insurance Services Inc, Farmers Insurance - Cathy Peterson. This directory lists 11 disability insurance agents serving Poway.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Marc Nimetz | 15644 Pomerado Rd Ste 104 | (858) 866-8147 |
| 2 | Kristin Francy - State Farm Insurance Agent | 12605 Poway Rd # C | (858) 484-4141 |
| 3 | Del Dios Insurance Services Inc | 12923 Pomerado Rd # A | (760) 975-9554 |
| 4 | Farmers Insurance - Cathy Peterson | 12759 Poway Rd #203 | (858) 748-3134 |
| 5 | Hannah Chavez: Allstate Insurance | 12700 Stowe Dr #220 | (858) 513-0110 |
| 6 | Mike Dolan - State Farm Insurance Agent | 12605 Poway Rd Ste B | (858) 486-7290 |
| 7 | Ron Tocki Insurance Agency | 14260 Garden Rd #24b | (858) 492-0511 |
| 8 | Terry Snow | 13943 Poway Rd Ste B | (619) 980-6768 |
| 9 | CCB Insurance Solutions | 13475 Danielson St Suite 200 | (858) 753-4106 |
| 10 | Allstate Personal Financial Representative: Thomas Garcia | 12700 Stowe Dr #220 | (858) 679-0719 |
Farmers Insurance - Marc Nimetz serves the greater Poway, California area and specializes in helping individuals and businesses secure disability insurance coverage. The agency assists clients in understanding income protection policies that provide financial support if an illness or injury prevents them from working. Handling both short-term and long-term disability insurance, the company evaluates client needs to recommend appropriate plans. It also helps with policy applications for professionals seeking to safeguard their earning potential.
Kristin Francy - State Farm Insurance Agent in Poway, CA provides disability insurance services, offering policies designed to replace a portion of lost income if a client becomes unable to work due to illness or injury. Ongoing service plans include policy reviews and claim support to help clients adjust coverage as their financial needs change. The agency serves individuals, single-family homeowners, renters, and local retail and restaurant operators in the area.
Del Dios Insurance Services Inc serves the Poway, California area and surrounding communities in San Diego County. As a disability insurance agent, it handles the placement of policies that replace income when illness or injury prevents a person from working. The company works with clients to identify coverage needs and evaluate policy options from various insurers. To complete a typical job, it gathers financial and occupational information from the applicant, then submits the required documentation to underwrite a suitable policy.
Farmers Insurance - Cathy Peterson in Poway, CA assists clients in understanding the fundamental difference between disability policies that provide a one-time lump sum benefit versus those offering recurring monthly payments during a period of inability to work. This local disability insurance agent focuses on coverage designed to replace a portion of income if injury or illness prevents regular employment. Services are available to help evaluate protection needs and adjust policies over time. These services are provided on an as-needed basis.
Hannah Chavez: Allstate Insurance serves homeowners, renters, and local businesses in Poway, California, by providing disability insurance policies. The agency assists clients in understanding how disability coverage can protect their income during unexpected health events. Policies are tailored to help replace a portion of lost wages if an injury or illness prevents work. This essential coverage offers financial security for individuals and families throughout the region. The company also serves the neighboring communities of Rancho Bernardo and Scripps Ranch in San Diego County.
Mike Dolan - State Farm Insurance Agent in Poway, CA, offers dedicated disability insurance agent services, focusing on protecting clients’ income if illness or injury prevents them from working. His office also provides general insurance guidance to help local individuals and families find appropriate coverage for evolving needs. A particular seasonal concern the agent assists with is reviewing disability policies before the start of a new year, ensuring working residents are prepared if they change jobs and face waiting periods for new benefits.
As the local workforce ages and health concerns arise, many San Diego County residents look to protect their income against unexpected medical leave. Ron Tocki Insurance Agency in Poway assists clients by evaluating various disability insurance options suited to individual employment situations. Through a consultation, the agency explains how policies replace a portion of one’s salary during recovery from illness or injury. The process begins with a careful assessment of current coverage needs and financial goals during the initial intake meeting.
Terry Snow works as a disability insurance agent in Poway, California, helping clients secure income protection for unexpected illnesses or injuries. The agency focuses on tailored disability coverage that supplements standard benefit packages. Policy options typically include short-term and long-term plans designed to replace lost wages during recovery periods. Terry Snow serves a range of local commercial sectors, including offices, warehouses, and food service operations, ensuring employees in these environments have access to essential financial safeguards.
CCB Insurance Solutions serves residents of Poway, California, offering personalized disability insurance guidance for individual income protection needs. The agency also assists local businesses with commercial disability coverage, helping employers secure plans for their workforce throughout the Poway area and nearby communities. Clients benefit from clear explanations of policy options tailored to their specific situations. Regular follow-up service between scheduled visits ensures coverage remains aligned as life circumstances evolve, providing ongoing support without requiring policyholders to initiate contact.
Allstate Personal Financial Representative: Thomas Garcia in Poway, CA, is known for guiding individuals through the often complex process of selecting disability insurance coverage. The agency coordinates policy options that help replace income when a client is unable to work due to illness or injury. Tailoring plans to suit varying professional and personal financial situations, the team supports both self-employed workers and local company employees. An additional specialty service includes consultation on how disability insurance integrates with existing employer-provided benefits and long-term financial strategies.
What Does a a Disability Insurance Agent in Poway Cost?
Disability insurance costs in California depend on factors like age, health, job type, and benefit amount. Premiums usually range from 1% to 3% of annual income. For a 45-year-old professional in Poway earning 80,000, a policy might cost 800 to 2,400 per year. Higher-risk occupations or pre-existing conditions can increase rates. This is general information, not insurance advice.
About disability insurance agents in Poway
Disability insurance agents in Poway, California help residents and workers secure income protection policies. These agents guide clients through California state disability insurance (SDI) and private plans. Local knowledge of San Diego County regulations and state mandates ensures you receive proper coverage.
Frequently Asked Questions
What does a disability insurance agent in Poway do?
A disability insurance agent helps you choose a policy that replaces part of your income if you cannot work due to illness or injury. They explain California SDI benefits and private policy options. The agent also assists with filing claims and understanding policy terms.
How does California law affect disability insurance in Poway?
California requires employers to provide State Disability Insurance (SDI) through payroll deductions. Private disability insurance agents can help you supplement SDI with additional coverage. California law also sets strict deadlines for claim submissions and appeals.
What is the typical cost for disability insurance in Poway?
Costs vary based on age, health, occupation, and benefit amount. A typical private policy in California costs between 1% and 3% of your annual income. For example, a 40-year-old earning 60,000 might pay 600 to 1,800 per year. This is general information, not insurance advice.
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