The top-rated disability insurance agent in Lafayette, Colorado is Inszone Insurance Services, rated 4.9 stars across 525 reviews. Other highly rated options include Shawn Hughes - State Farm Insurance Agent, Jim Plane - State Farm Insurance Agent, The Woods Insurance Group: Allstate Insurance. This directory lists 14 disability insurance agents serving Lafayette.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Inszone Insurance Services | 806 S Public Rd #102 | (303) 660-0470 |
| 2 | Shawn Hughes - State Farm Insurance Agent | 2676 Northpark Dr STE 100 | (303) 665-4600 |
| 3 | Jim Plane - State Farm Insurance Agent | 1319 W Baseline Rd #201b | (720) 890-5916 |
| 4 | The Woods Insurance Group: Allstate Insurance | 100 E Chester St | (303) 443-9988 |
| 5 | Shelter Insurance - Jo Peters | 808 S Public Rd # 203 | (303) 666-0828 |
| 6 | Rocky Mountain Insurance Center | 1361 Forest Park Cir #105 | (720) 335-6872 |
| 7 | Farmers Insurance - Daniel Coons | 1225 Cimarron Dr Unit 201 | (303) 665-2752 |
| 8 | Farmers Insurance - Ricardo Chavez-Balmaceda | 1408 Horizon Ave Ste 203 | (720) 399-9909 |
| 9 | Farmers Insurance - Lori Sorenson | 400 W South Boulder Rd Ste 2500 | (720) 506-1028 |
| 10 | Mary Stauffer American Family Insurance | 588 US-287 #206 | (303) 542-0323 |
Inszone Insurance Services serves clients throughout Boulder County and the surrounding Colorado communities as a disability insurance agent. The agency assists individuals and professionals in Lafayette with options designed to replace a portion of their income if an illness or injury prevents them from working. Policies typically cover both short-term and long-term scenarios to provide financial stability during recovery. Specific services include guiding clients through occupational disability coverage and arranging supplemental plans that address gaps in employer-provided benefits.
Shawn Hughes - State Farm Insurance Agent in Lafayette, CO, provides individualized disability insurance solutions designed to protect income in the event of an injury or illness. Service offerings include an initial consultation to assess a client’s financial picture, followed by ongoing policy reviews and adjustments to coverage as life circumstances change. The office serves single-family homes, apartments, retail establishments, and restaurants, helping ensure that both individuals and small business owners have a tailored plan in place.
Jim Plane - State Farm Insurance Agent serves homeowners, businesses, and property managers in Lafayette, Colorado, as a disability insurance agent. The company provides disability coverage designed to replace a portion of income if a client becomes unable to work due to illness or injury. The agent works with individuals and families to explain policy options and help them choose appropriate plans. A focus is placed on tailoring coverage to each customer’s specific occupational and financial situation. The agency also covers clients in the nearby city of Louisville.
The Woods Insurance Group: Allstate Insurance serves Lafayette, Colorado, and the surrounding communities of Boulder County. It handles disability insurance agent services for individuals and small business owners in the region. The agency focuses on helping clients evaluate coverage options for income protection in the event of illness or injury. A typical job begins with a review of the client’s current financial situation, then proceeds to compare policy terms from standard carriers to match specific needs. This process relies on a direct, consultative approach between the agent and client.
Shelter Insurance - Jo Peters in Lafayette, CO offers a range of disability insurance solutions designed for either a single-policy need or an ongoing relationship with coverage. Clients can choose protection that replaces income during illness or injury, with policies tailored for individuals or business owners. Service runs on a one-time basis for initial policy setup, with adjustments available as-needed for life changes or renewals.
Rocky Mountain Insurance Center serves residents in Lafayette and the surrounding area, helping them secure disability insurance to protect their income. The agency also works with local businesses to provide commercial disability coverage for employees throughout Boulder County and nearby communities. An appointment allows clients to receive personalized guidance on policy options that fit their specific needs. Follow-up conversations between regular visits ensure coverage remains appropriate as personal or professional circumstances change.
Farmers Insurance - Daniel Coons provides specialized disability insurance agent services in Lafayette, Colorado, working to secure income protection policies for individuals. The general service work involves evaluating clients' occupational needs and matching them with appropriate disability coverage plans to safeguard against lost earnings from injury or illness. As seasonal events increase physical demands, such as during winter weather, the agency helps local residents address specific concerns about how a temporary absence from work could affect their household finances.
As winter weather begins to affect daily routines in Lafayette, disability insurance becomes a more pressing concern for local workers and families. Farmers Insurance – Ricardo Chavez-Balmaceda provides direct, straightforward policy guidance for protecting income if illness or injury prevents employment. Each client receives a focused evaluation of their current earnings and individual coverage needs. Potential policy terms and benefit durations are reviewed in plain language. The process concludes with a personal risk assessment and a scheduled initial consultation to review essential paperwork.
Farmers Insurance - Lori Sorenson provides disability insurance agent services to residents in and around Lafayette, Colorado. Commercial coverage is also available for local businesses needing to protect their employees or owners from income loss due to injury or illness. The agency serves policyholders throughout Boulder County and the nearby Front Range communities. Clients can expect attentive follow-up after an initial policy is placed, with periodic check-ins to adjust coverage as personal or business circumstances change between regular visits.
What Does a a Disability Insurance Agent in Lafayette Cost?
Disability insurance agent services in Colorado typically cost nothing upfront because agents earn commissions from insurance carriers. Policy premiums vary widely from 1 percent to 3 percent of your annual income for individual coverage. Group plans through employers often cost less. Costs depend on your age health occupation and chosen benefit amount. This is general information not insurance advice.
About disability insurance agents in Lafayette
Disability insurance agents in Lafayette Colorado help residents protect their income with individual or group policies. Agents guide clients through Colorado state regulations including the Colorado Disability Income Protection Act. Local knowledge of Boulder County employers and medical providers can make the process smoother.
Frequently Asked Questions
What does a disability insurance agent in Lafayette do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and occupation definitions. They also assist with filing claims and understanding Colorado specific policy requirements.
How long do I have to file a disability claim in Colorado?
Colorado law does not set a specific deadline for filing disability claims but most policies require notice within 30 to 90 days. Check your policy for exact time limits. Delayed filing can result in claim denial.
Can a Lafayette agent help with an existing disability claim?
Yes many agents assist with ongoing claims including gathering medical records and communicating with the insurance company. They can also explain your policy terms and help you appeal a denial under Colorado law.
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