The top-rated disability insurance agent in San Carlos, California is Gina Vallee - State Farm Insurance Agent, rated 5.0 stars across 104 reviews. Other highly rated options include Nadler Insurance, Inc., Ray Sullivan: Allstate Insurance, ISU Lovering Insurance Services. This directory lists 11 disability insurance agents serving San Carlos.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gina Vallee - State Farm Insurance Agent | 632 El Camino Real | (650) 593-8425 |
| 2 | Nadler Insurance, Inc. | 1560 Laurel St #200 | (650) 508-8000 |
| 3 | Ray Sullivan: Allstate Insurance | 742 El Camino Real | (650) 593-1221 |
| 4 | ISU Lovering Insurance Services | 1121 Laurel St | (650) 593-7601 |
| 5 | 365 Gold Insurance Services | 104 El Camino Real | (650) 777-7680 |
| 6 | Professional Insurance associates | 1100 Industrial Rd STE 3 | (650) 592-7333 |
| 7 | Peck & Peck Insurance | 1724 Laurel St #225 | (650) 592-5591 |
| 8 | Welcare Financial Group | 1668 El Camino Real | (650) 802-9288 |
| 9 | Insurance Solutions by JCA - JC Adviser | 867 American St Suite 200 | — |
| 10 | Carpenter Benefits | 1100 Industrial Rd | (650) 590-1156 |
Gina Vallee - State Farm Insurance Agent serves the San Carlos, California, area as a disability insurance agent. The company provides financial protection solutions for individuals who may become unable to work due to illness or injury. Disability insurance helps replace a portion of lost income during recovery. Personalized policy consultations are offered to evaluate each client’s occupation and income needs. The office handles both short-term and long-term disability insurance plans.
Nadler Insurance, Inc. in San Carlos, CA provides disability insurance services and coordinates with local financial professionals to help individuals assess their income protection needs. The firm offers a full range of disability coverage options and assists clients in reviewing existing plans or establishing new policies. Ongoing service includes annual policy reviews and guidance during claim filing. The agency services single-family homes, apartments, retail businesses, and restaurants.
Ray Sullivan: Allstate Insurance serves homeowners, renters, and small business owners in San Carlos and the surrounding region. The agency helps clients evaluate disability insurance options to protect income if illness or injury prevents them from working. Individual policies can complement employer-provided coverage and are tailored to specific financial needs. The agency also provides guidance on policy terms and benefit periods. Its office covers clients throughout the San Francisco Peninsula, including neighboring communities such as Belmont and Redwood City.
ISU Lovering Insurance Services serves San Carlos, California, and the surrounding Bay Area communities. This disability insurance agent handles both short-term and long-term policies designed to replace a portion of income when a client cannot work due to illness or injury. It focuses on matching coverage to each individual’s occupation and monthly earnings. The typical job begins by assessing an applicant’s financial needs, then presenting plans from multiple carriers, and finally guiding the client through the underwriting and application process to secure the appropriate policy.
365 Gold Insurance Services specializes in matching individuals with appropriate disability insurance policies in San Carlos, CA. It provides consultations that explain how these plans replace a portion of lost income when a person cannot work due to illness or injury. The agency assists clients in reviewing benefit periods, elimination periods, and coverage amounts. Many workers in the region consider disability insurance during open enrollment seasons or as they start new careers and want to secure their financial stability.
Professional Insurance Associates assists clients in San Carlos, California, by distinguishing between one-time policy evaluations and ongoing recurring service agreements for disability coverage. Securing income protection through a disability insurance agent involves assessing occupational risks and benefit structures. Service arrangements are typically offered on either a scheduled, as-needed, or one-time basis, allowing clients to choose the frequency of consultation that matches their individual financial planning needs.
As the cost of living in San Carlos continues to rise, protecting one’s income against unexpected illness or injury becomes essential for financial stability. Peck & Peck Insurance provides local guidance on disability insurance, helping individuals and families evaluate coverage options that suit their specific needs. Their approach focuses on explaining policy features such as benefit periods and elimination periods in plain terms. An initial assessment begins with a review of current income and existing benefits to identify potential gaps.
Welcare Financial Group serves individuals and businesses in San Carlos, California, by guiding them through the process of securing income protection coverage. As a disability insurance agent, the company specializes in helping clients understand policy options that replace lost earnings due to illness or injury. Their work includes evaluating different benefit periods, waiting periods, and occupation-specific riders. This firm is available to assist professionals in various commercial settings, including offices, warehouses, and food service environments.
Carpenter Benefits is a disability insurance agent in San Carlos, CA, known for helping individuals secure income protection through private coverage. It provides guidance on policies that replace a portion of earnings if a person cannot work due to illness or injury, serving professionals and self-employed clients across the region. The process includes comparing benefit periods, elimination periods, and own-occupation definitions to fit specific needs. This agent can add on a future purchase option, allowing policyholders to increase benefits without additional medical underwriting later.
What Does a a Disability Insurance Agent in San Carlos Cost?
Disability insurance agent services in California typically involve no direct fee to you, as agents earn commissions from insurance carriers. Policy premiums vary widely based on age, health, occupation, and benefit amount, ranging from 1% to 3% of your annual income. For example, a 40-year-old professional might pay $100 to $300 per month for a policy covering 60% of income. This is general information, not insurance advice.
About disability insurance agents in San Carlos
Disability insurance agents in San Carlos, California help individuals and businesses secure income protection policies. California law requires specific disclosures for disability insurance contracts under the California Insurance Code. Local agents can guide you through state-mandated benefit options and employer-sponsored plans.
Frequently Asked Questions
What does a disability insurance agent in San Carlos do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They assist with applications and can help you understand California-specific rules like the 30-day free look period for new policies.
Is disability insurance required in California?
California does not require individuals to buy private disability insurance. However, employers with a payroll of $100 or more must provide State Disability Insurance (SDI) coverage through the Employment Development Department.
How do I choose a disability insurance agent in San Carlos?
Look for an agent licensed by the California Department of Insurance with experience in disability policies. Ask about their familiarity with California Insurance Code sections that govern policy terms and claim procedures.
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