The top-rated disability insurance agent in Middletown, Connecticut is Globe Life American Income Division: Prata Organization, rated 4.9 stars across 2,643 reviews. Other highly rated options include Curt Smith - State Farm Insurance Agent, Caleb Carney - State Farm Insurance Agent, Bafumi Insurance Agency, A Division of World. This directory lists 12 disability insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Prata Organization | 100 Roscommon Dr Suite 308 | (860) 632-0061 |
| 2 | Curt Smith - State Farm Insurance Agent | 134 Main Street Extension STE 300 | (860) 398-6364 |
| 3 | Caleb Carney - State Farm Insurance Agent | 401 Newfield St | (860) 346-4442 |
| 4 | Bafumi Insurance Agency, A Division of World | 59 Broad St | (860) 347-3530 |
| 5 | Get Insured America | 430 Highland Ave #1 | (860) 346-7755 |
| 6 | Valk Insurance Group, Llc: Allstate Insurance | 300 Plaza Middlesex, 203 Main St | (203) 265-0477 |
| 7 | Nationwide Insurance: Dunn Insurance, Inc. | 198 S Main St | (860) 347-4924 |
| 8 | Spark Insurance Agency | 62 Washington St | (860) 294-9054 |
| 9 | NFP, an Aon company | 386 Main St | (860) 346-9661 |
| 10 | Rice, Davis, Daley & Krenz Inc | 50 Washington St | (860) 346-6611 |
Globe Life American Income Division: Prata Organization serves the greater Middletown, Connecticut area as a disability insurance agent. The company helps local residents understand their options for disability coverage, which provides income protection if an injury or illness prevents them from working. This type of insurance can replace a portion of lost wages during a recovery period. For individuals in the community, the firm assists with both short-term and long-term disability insurance policies tailored to different occupational needs.
Curt Smith - State Farm Insurance Agent in Middletown, CT serves homeowners, renters, and families seeking financial protection. The agency specializes in disability insurance, helping clients secure income replacement in the event of an illness or injury that prevents them from working. Policies are tailored to individual coverage needs, with clear explanations of benefits and terms provided. Assistance includes risk assessment and guidance through the application process. The agency also covers clients throughout Portland and the surrounding Middlesex County area.
Caleb Carney - State Farm Insurance Agent in Middletown, CT offers disability insurance coverage to help protect clients’ income if they are unable to work due to illness or injury. The agency provides ongoing policy reviews and support to ensure coverage aligns with changing needs and life circumstances. Services include guidance on policy options and assistance with claims processes. This agency serves single-family homes, apartments, retail, and restaurants.
Bafumi Insurance Agency, A Division of World, serves Middletown, Connecticut, and the surrounding Middlesex County communities. It handles disability insurance policies designed to replace a portion of a policyholder's income if they cannot work due to illness or injury. The agency works with individuals to review their coverage needs and match them with appropriate protection plans from available insurers. For a typical client, it begins by assessing their current occupation and income to recommend a policy that fits their personal financial situation.
Get Insured America in Middletown, CT assists local residents in distinguishing between group disability policies, which are often employer-provided and serve as a temporary safety net, and individual long-term coverage that stays with the policyholder regardless of employment changes. The agency helps clients evaluate benefit amounts and waiting periods to ensure income protection during illness or injury. Service is provided on a one-time consultation or as-needed basis for policy reviews and claims support.
As the seasons change in Middletown, local workers often reassess their financial safeguards against unforeseen injuries or illnesses. This company serves as a disability insurance agent, connecting residents with policies that replace a portion of lost income during recovery. They provide a direct resource for comparing options from a well-known national insurer tailored to individual professions and health situations. The initial step typically involves a brief review of the client’s current coverage and monthly expenses to determine appropriate benefit amounts.
Spark Insurance Agency works with individuals and small businesses in Middletown, Connecticut, to evaluate long-term income protection strategies. As a specialty disability insurance agent, it focuses on policies designed to replace a portion of earned income if injury or illness prevents someone from working. It can help professionals, tradespeople, and employees analyze their existing group coverage or explore individual plans. Its client base includes many local commercial sectors, such as offices, warehouses, and food service operations.
NFP, an Aon company in Middletown, Connecticut, offers a broad range of disability insurance agent services, including policy analysis and plan selection assistance. It provides ongoing support to help clients manage claims and adjust coverage as their needs change. The firm routinely advises individuals and businesses on protecting income against injury or illness. It serves a diverse clientele with properties including single-family homes, apartments, retail spaces, and restaurants.
Rice, Davis, Daley & Krenz Inc serves residents of Middletown, CT with personalized disability insurance coverage designed to protect individual incomes. The firm also assists local businesses with commercial disability policies that safeguard company operations across the region. Agents work closely with each client to evaluate specific needs and explain policy details clearly. After an initial policy is established, they remain available for follow-up service and policy adjustments during regular scheduled visits.
What Does a a Disability Insurance Agent in Middletown Cost?
The cost of disability insurance in Connecticut varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Middletown
Disability insurance agents in Middletown, Connecticut help individuals and businesses find coverage that protects income if illness or injury prevents work. Connecticut law requires certain employers to provide short-term disability benefits through the state program, but private agents can help fill gaps with long-term or supplemental policies. Working with a local agent ensures you understand how Connecticut specific regulations affect your coverage options.
Frequently Asked Questions
What does a disability insurance agent in Middletown do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your needs and budget. They explain policy terms, benefit periods, and elimination periods. They do not provide legal advice or handle claims disputes.
Does Connecticut require disability insurance?
Connecticut does not require private disability insurance for individuals. However, employers with 5 or more employees must provide short-term disability benefits through the Connecticut Paid Leave program. A private agent can help you get additional long-term coverage.
How do I choose a disability insurance agent in Middletown?
Look for a licensed insurance agent in Connecticut who specializes in disability coverage. Check their experience with local insurers and ask about policy options like own-occupation or any-occupation definitions. You can verify a license through the Connecticut Insurance Department.
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