The top-rated disability insurance agent in Old Lyme, Connecticut is Bankers Life, rated 5.0 stars across 218 reviews. Other highly rated options include Bruce Kocsis, Bankers Life Agent, Michael Domenech, Bankers Life Agent, Stanley Kesilewski, Bankers Life Agent. This directory lists 14 disability insurance agents serving Old Lyme.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bankers Life | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 2 | Bruce Kocsis, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 3 | Michael Domenech, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 4 | Stanley Kesilewski, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 5 | Aidan Walls, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 6 | Jonas Regondola, Bankers Life Agent and Bankers Life Securities Financial Representative | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 7 | Kobey Coburn, Bankers Life Agent | 6 Vista Dr UNIT 101 | (860) 449-4024 |
| 8 | Bouvier Insurance, A HUB International Company: Old Lyme | 90 Halls Rd Box 907 | (860) 434-1611 |
| 9 | Joseph Andrews, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
| 10 | Kyle Corrigan, Bankers Life Agent | 6 Vista Dr Ste 101 | (860) 434-4010 |
Bankers Life in Old Lyme, Connecticut offers disability insurance services that differ between one-time policy reviews and recurring plan adjustments, helping individuals secure coverage that replaces lost income from injury or illness. As a disability insurance agent, the company guides clients through benefit options and policy details needed for local financial protection. Service operates on a one-time, scheduled, or as-needed basis, determined by the specific policyholder request and upcoming renewal dates.
Bruce Kocsis, Bankers Life Agent serves Old Lyme, Connecticut, and the surrounding New London County region as a disability insurance agent. This firm assists individuals and families in the area by advising on coverage options that protect income during illness or injury. Knowledge of local medical providers and long-term care facilities helps agents tailor plans for clients of all ages. The agent handles both short-term and long-term disability insurance applications.
Michael Domenech, Bankers Life Agent in Old Lyme, CT provides guidance on disability insurance policies designed to protect earned income. Services include evaluating clients’ coverage needs and explaining policy features. The agent assists with new policy applications and helps existing policyholders understand their benefit options and claims procedures. Occasional policy reviews are offered to ensure recommendations remain aligned with changing personal circumstances. The agency serves individuals, single-family homeowners, and local business owners who own or lease apartments, retail spaces, or restaurants.
Homeowners, renters, and local business owners in Old Lyme turn to Stanley Kesilewski, Bankers Life Agent, for disability insurance solutions that protect income in the event of illness or injury. The practice serves individuals and families seeking to safeguard their earnings through customized disability coverage. Policy options are explained clearly, ensuring clients understand how benefits replace lost wages during recovery periods. This agency also serves clients in nearby New London, providing the same detailed guidance and support across southeastern Connecticut.
Serving Old Lyme, Connecticut, and the surrounding shoreline communities, Aidan Walls, Bankers Life Agent handles disability insurance coverage for local residents. The work involves explaining how income protection policies can help replace lost earnings if an injury or illness prevents someone from working. This agent focuses on assessing each client’s current occupation and personal financial situation to determine appropriate policy options. To handle a typical job, the agent reviews the client’s employment details and monthly expenses, then recommends a suitable plan that aligns with their specific needs.
Jonas Regondola, Bankers Life Agent and Bankers Life Securities Financial Representative in Old Lyme, CT, helps clients distinguish between one-time disability insurance policies and recurring coverage options that provide ongoing income protection. The agency focuses on local needs, offering policies that replace a portion of lost wages if illness or injury prevents work. Service for client inquiries, policy adjustments, and claims support runs on an as-needed basis, tailored to each individual circumstance.
Kobey Coburn, a Bankers Life agent, specializes in offering disability insurance that replaces income if illness or injury prevents work. The agency helps residents of Old Lyme, Connecticut, assess their financial risks and select appropriate coverage plans. Recognizing that disabilities can strike suddenly, it frequently assists clients in understanding how their policies protect savings during extended recovery periods, such as after a serious winter slip or a spring lawn care accident.
As winter weather often brings an increased risk of slips and falls in southeastern Connecticut, Bouvier Insurance, A HUB International Company: Old Lyme assists local professionals in safeguarding their income. Serving Old Lyme, this agency works with residents and small businesses to build disability insurance plans that provide financial protection during recovery. An initial conversation with a qualified agent allows clients to assess their specific need for income replacement should an illness or injury prevent work.
Joseph Andrews, a Bankers Life Agent in Old Lyme, Connecticut, provides disability insurance services designed to help individuals protect their income if they become unable to work due to illness or injury. The company specializes in offering tailored policy add-ons that can enhance basic coverage for unexpected medical or recovery scenarios. It serves a range of commercial sectors, including office environments, warehouses, and food service operations, ensuring businesses in these fields can support employee financial stability.
Kyle Corrigan, Bankers Life Agent, serves the residential disability insurance needs of clients in Old Lyme, Connecticut. The company also handles commercial disability coverage for local small businesses within the surrounding shoreline area. A disability insurance agent works with individuals to protect their income in the event of illness or injury. Coverage options are assessed based on each client’s occupation and financial situation. Policyholders can schedule follow-up appointments during regular visits to review benefits or make coverage adjustments as their needs change.
What Does a a Disability Insurance Agent in Old Lyme Cost?
Typical costs for disability insurance in Connecticut range from 1% to 3% of your annual income for an individual policy. For example, a 35-year-old earning $100,000 per year might pay between $1,000 and $3,000 annually for a policy with a 90-day waiting period and benefits to age 65. Group policies through an employer are often subsidized. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Old Lyme
Disability insurance agents in Old Lyme, Connecticut help residents and local businesses secure income protection policies. Connecticut law requires group disability policies to offer certain minimum benefits under Title 38 of the Connecticut General Statutes. An agent can guide you through employer-sponsored plans or individual policies tailored to your occupation and income.
Frequently Asked Questions
What does a disability insurance agent in Old Lyme do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options like own-occupation or any-occupation definitions. They also assist with completing applications and understanding Connecticut-specific policy requirements.
How do Connecticut laws affect disability insurance policies?
Connecticut General Statutes Section 38a-553 requires that group disability policies provide a grace period of at least 31 days for premium payments. The state also mandates that policies cannot exclude pre-existing conditions for more than 12 months after the policy effective date.
Can an agent help if my disability claim is denied?
An agent can review your policy and explain the claims process, but they cannot provide legal advice. For claim denials, you may need to consult an attorney who handles ERISA or Connecticut disability insurance disputes.
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