The top-rated disability insurance agent in Simi Valley, California is Farmers Insurance - Shaun Yates, rated 5.0 stars across 323 reviews. Other highly rated options include Rancho Simi Insurance Agency, AAA Simi Valley Insurance and Member Services, TWFG Insurance Services. This directory lists 19 disability insurance agents serving Simi Valley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Shaun Yates | 3355 Cochran St Ste 106 | (818) 900-3239 |
| 2 | Rancho Simi Insurance Agency | 1611 E Los Angeles Ave | (805) 581-2128 |
| 3 | AAA Simi Valley Insurance and Member Services | 2853 Cochran St | (805) 522-7330 |
| 4 | TWFG Insurance Services | 2345 Erringer Rd #205 | (805) 583-1091 ext. 0 |
| 5 | Hayes Company Insurance Brokers | 2315 Kuehner Dr Suite 104 | (805) 520-8410 |
| 6 | Tailored Werks Insurance Agency LLC | 2655 First St #250 | (805) 558-8437 |
| 7 | Simi Valley Insurance Services | 737 E Los Angeles Ave | (805) 527-1414 |
| 8 | Koning Insurance agency | 45 W Easy St Ste 8 | — |
| 9 | The Office Insurance Agency | 1357 E Los Angeles Ave | (818) 823-0215 |
| 10 | Chun & Reynolds Insurance Services | 2655 First St UNIT 250 | (805) 869-1700 |
Farmers Insurance - Shaun Yates serves Simi Valley and Ventura County, offering disability insurance agent services. This agency helps clients understand how disability coverage can replace a portion of income if an illness or injury prevents them from working. Policies are tailored to protect financial stability during extended recovery periods. The office also assists with long-term and short-term disability insurance plans, guiding individuals through the application process to secure appropriate benefits for their specific needs.
Rancho Simi Insurance Agency provides disability insurance services designed to protect the income of individuals and business owners in Simi Valley, CA. The agency helps clients select policies that offer financial security during periods of illness or injury, and assists with ongoing plan adjustments to meet evolving needs. Service clients include professionals, employees, and self-employed individuals. The agency primarily services single-family homes, apartments, retail establishments, and restaurants within the local area.
Homeowners, renters, and small business owners in Simi Valley rely on this disability insurance agent for guidance on income protection policies that replace wages during a medical leave. The agent explains how these plans coordinate with employer benefits and state disability programs to fill coverage gaps. Claims support is provided to help policyholders navigate the paperwork process after an injury or illness. The agency also serves clients across Ventura County and into the Thousand Oaks area.
TWFG Insurance Services serves Simi Valley and the surrounding Ventura County communities. It handles disability insurance, helping clients secure coverage that provides income protection if illness or injury prevents them from working. The company works with individuals to assess their specific employment situations and financial needs. To handle a typical job, its general approach involves evaluating a client’s occupation, current earnings, and potential waiting periods to recommend a policy that aligns with their specific risk profile and budget.
In Simi Valley, California, Hayes Company Insurance Brokers assists clients in distinguishing between one-time disability insurance policies for short-term needs and ongoing coverage plans designed for long-term income protection. As a disability insurance agent, the company helps individuals evaluate policies that replace a portion of their income if illness or injury prevents work. This service operates on an as-needed basis, allowing clients to schedule consultations for policy reviews, adjustments to existing plans, or applications for new coverage when life circumstances change.
With income protection a priority for Simi Valley professionals and families facing life’s uncertainties, Tailored Werks Insurance Agency LLC provides local guidance as a disability insurance agent. Their focus is on policies that replace a portion of earned income if illness or injury prevents work. The agency helps clients understand how elimination periods and benefit durations align with household budgets and employment benefits. An initial consultation typically reviews current coverage gaps and monthly expenses. This step allows for assessment of both short-term and long-term disability needs before exploring policy options.
Simi Valley Insurance Services specializes in providing disability insurance policies that replace a portion of lost income when an illness or injury prevents work. The agency serves clients throughout Simi Valley, offering guidance on policy options to protect financial stability. Navigating the complexities of short-term and long-term coverage, the agent helps individuals and self-employed professionals select plans suited to their personal circumstances. For those approaching open enrollment season or facing a sudden change in health, this local resource assists in evaluating coverage needs before gaps occur.
Serving residents in the Simi Valley area, The Office Insurance Agency provides disability insurance coverage to protect personal income. Commercial disability policies are also available for local businesses and self-employed professionals across the region. The agency guides clients through various plan options to match individual income needs and risk situations. Continuous support is offered between scheduled visits, allowing for policy reviews and adjustments as a client’s career or health circumstances shift over time.
Chun & Reynolds Insurance Services in Simi Valley, California, is known for helping local residents secure disability insurance coverage that replaces income if an illness or injury prevents them from working. The company guides clients through options for both short-term and long-term disability policies, explaining how elimination periods and benefit terms affect premium costs. They also assist with adding a residual disability rider, which provides partial benefits if a policyholder can only work part-time after becoming disabled.
What Does a a Disability Insurance Agent in Simi Valley Cost?
Disability insurance agent services in California typically cost nothing upfront because agents earn commissions from insurance companies. Policy premiums vary widely based on age, health, and coverage amount, often ranging from 1% to 3% of your annual income. For example, a 40-year-old earning 100,000 dollars might pay 1,500 to 3,000 dollars per year for a policy. Costs depend on your specific situation and the policy features you choose. This is general information, not insurance advice.
About disability insurance agents in Simi Valley
Disability insurance agents in Simi Valley help residents understand their policy options and navigate claims. California law requires certain disability insurance policies to include specific benefit terms and renewal provisions. Working with a local agent can simplify the process of securing income protection for Simi Valley workers.
Frequently Asked Questions
What does a disability insurance agent in Simi Valley do?
A disability insurance agent helps you choose a policy that fits your needs and assists with filing claims. They explain California-specific rules like the 30-day waiting period for benefits. Agents do not provide legal advice but can guide you through policy options.
How does California law affect disability insurance policies?
California Insurance Code Section 10128.1 requires that individual disability policies include a 30-day free look period. Policies must also clearly state cancellation and renewal terms. Agents in Simi Valley must follow these state rules when offering coverage.
Can a disability insurance agent help with a denied claim in California?
An agent can review your policy and explain the claims process, but they cannot represent you in a legal dispute. For a denied claim, you may need to consult an attorney. California law gives you 180 days to appeal a denial under most policies.
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