The top-rated disability insurance agent in San Diego, California is Fusco Orsini & Associates Insurance Services, rated 5.0 stars across 609 reviews. Other highly rated options include The Insurance Store, Right Time Insurance Services, Bridlewood Insurance. This directory lists 28 disability insurance agents serving San Diego.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fusco Orsini & Associates Insurance Services | 8880 Rio San Diego Dr Ste 725 | (888) 789-6175 |
| 2 | The Insurance Store | 10981 San Diego Mission Rd #230 | (619) 401-1800 |
| 3 | Right Time Insurance Services | 1761 Hotel Cir S | (619) 299-6000 |
| 4 | Bridlewood Insurance | 13520 Evening Creek Dr N Suite 100 | (858) 753-7000 |
| 5 | Deluxe Insurance Services | 1770 Palm Ave B | (619) 424-8100 |
| 6 | California Brokerage Insurance Associates | 1851 San Diego Ave #120 | (619) 283-9999 |
| 7 | Let's Insure | 101 W Broadway #1460 | (877) 851-7867 |
| 8 | Terri Yurek Insurance | 16885 Via Del Campo Ct #310 | (858) 391-8544 |
| 9 | David Wolfe Medicare Insurance - Independent Agent Broker | 12237 Horado Rd | (858) 434-7272 |
| 10 | Oak Leaf Insurance Brokers | 16776 Bernardo Center Dr Suite 203 | (858) 485-1156 |
Homeowners and small businesses in San Diego, CA, turn to Fusco Orsini & Associates Insurance Services for disability insurance agent support. The company assists clients in locating income protection plans that address lost earnings due to illness or injury. It helps policyholders compare coverage options from various carriers to suit individual budgets and employment situations. Beyond the immediate San Diego area, the agency also serves clients with property or business interests in Chula Vista.
Based in San Diego, The Insurance Store helps individuals and businesses secure disability insurance coverage. The agency specializes in providing income protection policies that replace a portion of lost wages if a person cannot work due to illness or injury. The company works with a broad range of employers to ensure their teams are protected, including those in professional offices, busy warehouses, and food service settings.
Right Time Insurance Services serves homeowners, business owners, and self-employed professionals in San Diego, California, who need protection against lost income due to injury or illness. The agency helps clients evaluate disability policies that replace a portion of their earnings during recovery. It focuses on matching coverage to individual occupations and household budgets. This office also provides its services to residents throughout the nearby communities of La Jolla and Pacific Beach.
Bridlewood Insurance serves San Diego and its surrounding communities, handling individual and group disability insurance needs for local professionals and businesses. The agency assists clients in navigating complex policy options that protect income during illness or injury. It offers guidance on short-term and long-term coverage, ensuring customers understand benefit structures and waiting periods. Bridlewood Insurance typically begins each case by reviewing the client’s occupation and income requirements to select appropriate policy carriers and riders.
Deluxe Insurance Services operates in San Diego, California, as a Disability Insurance Agent distinguishing between one-time policy purchases for immediate coverage and recurring plans that require ongoing premium payments to maintain protection. This agency assists clients in securing income replacement benefits if they are unable to work due to illness or injury, navigating typical policy terms such as elimination periods and benefit durations. Service is provided on an as-needed basis, arranged per individual client consultation.
California Brokerage Insurance Associates in San Diego, California provides specialized services in disability insurance, helping clients understand policy options for income protection. It works with individuals and professionals to evaluate coverage tailored to their occupation and financial needs. The agency guides clients through disability plan selection and claim assistance for long-term or short-term benefits. During open enrollment periods or when changing jobs, it reviews existing policies to address gaps in coverage that could affect financial stability.
Let’s Insure provides guidance on disability income protection for individuals in San Diego, California. Its services focus on structuring policies that replace a portion of lost earnings due to illness or injury, with options for own-occupation or residual benefits. It can serve independent professionals, office-based businesses, warehouses, and food service operations. These clients can tailor coverage to protect personal wages, company payroll, or specific job duties.
Based in San Diego, California, Terri Yurek Insurance serves residential clients seeking income protection for unexpected illness or injury. The agency also offers commercial disability coverage to local businesses and self-employed professionals throughout the county. Services extend to families and solo practitioners across the greater San Diego area. After an initial policy is set, clients can return for annual reviews or adjustments when their coverage needs change between regular visits.
David Wolfe Medicare Insurance - Independent Agent Broker serves San Diego, California, as a dedicated Disability Insurance Agent. The company assists individuals in navigating their options for disability income protection, focusing on helping clients evaluate policies that replace lost wages due to illness or injury. It provides guidance through the application process and policy selection. Its services also include assessing supplemental coverage needs to pair with existing benefits or employer plans.
What Does a a Disability Insurance Agent in San Diego Cost?
Disability insurance agent services in California are typically paid through commissions from the insurance carrier, not directly by you. Policy premiums vary widely based on age health occupation and benefit amount. For example a 40 year old professional might pay 1% to 3% of their annual income for a policy. Costs also depend on waiting periods and benefit durations. This is general information not insurance advice.
About disability insurance agents in San Diego
Disability insurance agents in San Diego help individuals and businesses find coverage that protects income if you cannot work. California law requires specific policy provisions under the California Insurance Code. Local agents understand the unique needs of San Diego workers from tech to tourism.
Frequently Asked Questions
What does a disability insurance agent in San Diego do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They guide you through the application process and can assist with understanding California specific policy terms like the 30 day waiting period.
How do I choose a disability insurance agent in California?
Look for an agent licensed by the California Department of Insurance with experience in disability coverage. Check their knowledge of California laws such as the requirement for policies to include a renewal clause under California Insurance Code Section 10270.5.
Can a disability insurance agent help with a claim denial?
While agents cannot provide legal advice, they can review your policy and explain benefit terms. For claim disputes you may need a lawyer or contact the California Department of Insurance for assistance.
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