The top-rated disability insurance agent in Tustin, California is Mary Pruitt Insurance Agency, rated 5.0 stars across 77 reviews. Other highly rated options include BMR Insurance Agency, Melissa Levin Insurance Services, LIG Insurance Services, Inc.. This directory lists 17 disability insurance agents serving Tustin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mary Pruitt Insurance Agency | 212 Fashion Ln #216 | (760) 832-2600 |
| 2 | BMR Insurance Agency | 13732 Newport Ave # 3 | (714) 838-1911 |
| 3 | Melissa Levin Insurance Services | 360 E 1st St #4195 | (714) 831-1515 |
| 4 | LIG Insurance Services, Inc. | 17480 17th St # 102 | (714) 486-1824 |
| 5 | IntelliBenefits Insurance Services, Inc. | 2522 Chambers Rd #100 | (949) 441-5144 |
| 6 | Tustin Insurance Agency | 17621 Irvine Blvd STE 112 | (714) 838-1704 |
| 7 | Gene Heino Inc. Insurance Services | 2552 Walnut Ave #140 | (714) 734-8899 |
| 8 | The Baldwin Group (formerly Burnham WGB & Perfromance Bonding) | 15901 Red Hill Ave | (714) 505-7000 |
| 9 | Global Shield Insurance Agency | 511 E 1st St SUITE H | (877) 303-6425 |
| 10 | J'S INSURANCE AGENCY | Parking, lot 17291 Irvine Blvd #162 | (714) 710-7577 |
Mary Pruitt Insurance Agency serves the Tustin, California area as a local disability insurance agent. It specializes in helping individuals and business owners secure income protection coverage. The agency guides clients through the process of selecting policies that replace a portion of their earnings if they become unable to work due to illness or injury. It handles both short-term and long-term disability plans, addressing the specific needs of professionals and self-employed residents in Orange County.
Based in Tustin, BMR Insurance Agency assists residents and businesses in planning for income protection if they become unable to work due to illness or injury. The agency evaluates individual and group coverage options, tailoring each policy to address specific income replacement needs. Through initial consultations and ongoing policy reviews, they ensure clients understand their benefits and can adjust plans as life circumstances change. BMR Insurance Agency serves single-family homeowners, apartment owners, retail shops, and restaurants seeking specialized disability insurance.
Melissa Levin Insurance Services assists individual homeowners and local business owners in Tustin, California, with securing disability insurance protection. The agency helps clients understand coverage options that provide income replacement if an illness or injury prevents them from working. Representatives take time to explain policy features and guide customers through the application process. This ensures workers and self-employed professionals can find a plan suited to their specific financial needs. The company also serves residents and businesses throughout the surrounding Orange County metro area, including nearby Santa Ana.
LIG Insurance Services, Inc. serves Tustin, California, and the surrounding communities, handling disability insurance coverage for local residents and professionals. The agency assists individuals with applications, policy comparisons, and claims-related questions. In a typical job, it gathers client income and occupation details before presenting appropriate coverage options from available providers. It then guides the client through the underwriting process to secure a tailored policy.
IntelliBenefits Insurance Services, Inc. specializes in matching individuals with disability income protection plans. Based in Tustin, CA, this agency helps local professionals and business owners evaluate their need for coverage amid ongoing employment changes. It guides clients through policy options tailored to safeguard a portion of their earnings against illness or injury. The company also assists workers facing an impending medical leave by helping coordinate benefit enrollment before a planned procedure or recovery period begins.
Tustin Insurance Agency in Tustin, California assists clients with both individual and ongoing group disability income protection. For one-time needs, they can help evaluate short-term coverage options against permanent policies. Recurring service arrangements are available for clients wanting annual policy reviews or plan adjustments. Their coverage consultations focus on securing income in case of injury or illness. This agency operates on a scheduled basis, meeting with clients for regular check-ins or filing assistance as needed throughout the policy term.
Gene Heino Inc. Insurance Services in Tustin, California, provides individualized guidance on disability insurance coverage, helping clients select income protection plans that suit their specific financial situations. The agency specializes in policies designed to replace lost wages during periods of illness or injury, ensuring ongoing financial stability for policyholders. Its disability insurance services are available to professionals and employees across various commercial sectors, including office environments, warehouses, and food service operations.
During open enrollment periods or after a sudden illness, many Tustin residents seek guidance on protecting their income. The Baldwin Group, formerly Burnham WGB & Performance Bonding, helps clients understand disability insurance as an agent in the area. They offer consultations to explain how policies replace a portion of lost earnings if an injury or medical condition prevents work. Coverage options are reviewed based on individual occupations and income levels. An initial needs assessment is scheduled to evaluate current protection gaps and potential benefit amounts.
Global Shield Insurance Agency serves residents in Tustin, California, providing personalized disability insurance coverage to protect individual income. Commercial coverage is also offered for local businesses seeking to safeguard their employees and operations. Their service area includes Tustin and the surrounding Orange County communities. Clients appreciate the straightforward guidance on policy options and the simple claims process. After an initial consultation and plan enrollment, the agency provides ongoing follow-up support between regular visits to review coverage needs and make any adjustments.
J'S INSURANCE AGENCY in Tustin, CA, is known for helping local residents and workers secure disability insurance to protect their income. The agency focuses on finding disability coverage that fits individual needs, explaining policy terms, and guiding clients through the application process. Services include evaluating different plans from major carriers for short-term and long-term disability needs. As a specialty service, the agency can also assist with adding an optional residual disability rider to existing policies.
What Does a a Disability Insurance Agent in Tustin Cost?
The cost of disability insurance in California typically ranges from 1% to 3% of your annual income for a policy covering 60% of your salary. For a 40-year-old earning $100,000 per year, premiums may be $100 to $250 per month. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Tustin
Disability insurance agents in Tustin, California help individuals and businesses secure income protection policies. California law requires certain employers to provide State Disability Insurance (SDI) through the Employment Development Department. A local agent can guide you through private disability plans and coordinate with state benefits to ensure comprehensive coverage.
Frequently Asked Questions
What does a disability insurance agent in Tustin do?
A disability insurance agent helps you compare and purchase private disability policies. They explain policy terms, exclusions, and waiting periods. They can also assist with claims and appeals under California insurance regulations.
How does California SDI affect private disability insurance?
California SDI provides partial wage replacement for non-work related disabilities. Private disability insurance can supplement SDI to cover a higher percentage of your income. An agent can help you coordinate both benefits to avoid gaps or overinsurance.
Are there time limits for filing a disability claim in California?
California law requires you to file a private disability claim within a time frame specified in your policy, often 30 to 90 days. For SDI, you must file within 49 days of your disability start date. An agent can help you understand and meet these deadlines.
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