The top-rated disability insurance agent in Waterford, Connecticut is AAA Waterford, rated 4.5 stars across 514 reviews. Other highly rated options include Acrisure Waterford, CT (SAVA Insurance Group), Mark Nickerson - GEICO Insurance Agent, Insurance Near Me CT. This directory lists 10 disability insurance agents serving Waterford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Waterford | 117 Boston Post Rd | (860) 701-7000 |
| 2 | Acrisure Waterford, CT (SAVA Insurance Group) | 750 Broad St | (860) 437-7282 |
| 3 | Mark Nickerson - GEICO Insurance Agent | 711 Broad St | (860) 865-2060 |
| 4 | Insurance Near Me CT | 711 Broad St Ext | (860) 440-6000 |
| 5 | Smith Brothers Insurance LLC | 26 Clark Ln | (860) 442-1396 |
| 6 | Nickerson Agency | 711 Broad St Ext | (860) 440-6363 |
| 7 | Bouvier Insurance, A HUB International Company: Waterford | 1020 Hartford Turnpike | (860) 859-9821 |
| 8 | Mikasa Insurance Group, | 567 Vauxhall Street Ext. STE 102 | (860) 612-8000 |
| 9 | Swanson Insurance | 210 Boston Post Rd | (860) 443-1500 |
| 10 | Beecher Carlson Insurance Services | 914 Hartford Turnpike | (860) 440-9779 |
AAA Waterford serves clients throughout New London County, Connecticut, as a disability insurance agent. The company helps individuals assess their need for income protection in case of illness or injury prevents work. It guides customers through the process of comparing different policy options available locally. Understanding how group and individual disability benefits differ is a key part of its consultations. AAA Waterford also assists with navigating short-term and long-term disability coverage choices for residents in the Waterford area.
Homeowners and business owners in Waterford, Connecticut turn to Acrisure Waterford (SAVA Insurance Group) for disability insurance planning. These agents help clients protect income by building policies that provide replacement earnings during illness or injury. They work closely with each individual to understand current employment and financial needs, then match them with appropriate coverage options from major insurers. The office also assists professionals and self-employed individuals throughout the surrounding New London metropolitan area with similar long-term income protection solutions.
Mark Nickerson - GEICO Insurance Agent in Waterford, CT, provides disability insurance services for individuals and families. The coverage helps replace lost income if a person becomes unable to work due to illness or injury, with plans that can be tailored to fit different budgets and needs. Its service includes guidance on policy options and available maintenance for existing plans. The agency serves various properties and businesses, including single-family homes, apartments, retail locations, and restaurants.
Insurance Near Me CT serves Waterford and the surrounding southeastern Connecticut communities, handling disability insurance applications for local residents and workers. It assists clients in understanding policy options that provide income protection during illness or injury. The company operates with a straightforward approach, guiding each applicant through paperwork and coverage details, and typically works to match individual needs with available plans during initial consultations.
Smith Brothers Insurance LLC, located in Waterford, CT, distinguishes between one-time policy reviews and recurring long-term coverage management as a disability insurance agent. Their services help local professionals protect income against unexpected illness or injury, tailoring plans to individual employment situations. They assess benefit periods, elimination periods, and occupation-specific definitions to ensure appropriate protection. Service can be scheduled for periodic consultations to adjust coverage as circumstances change, or it may be arranged on an as-needed basis for specific policy questions or claims support.
As a disability insurance agent in Waterford, CT, Nickerson Agency helps clients secure income protection policies tailored to individual occupations and health needs. It guides residents through the complex process of choosing between short-term and long-term disability coverage. The agency’s general service work includes comparing policy options from multiple carriers to find realistic benefit periods and waiting terms. As winter approaches with its increased risk of slips and accidents on icy surfaces, the agency assists local workers in evaluating how a personal injury might affect their household finances.
As the leaves turn and local businesses in Waterford prepare for seasonal workforce shifts, having reliable income protection becomes more necessary. Bouvier Insurance, A HUB International Company in Waterford, specializes in disability insurance agent services tailored to this region’s professionals. They guide clients through policy options that cover lost wages due to illness or injury. An initial consultation to review personal coverage needs and financial situation serves as the first step toward securing a plan.
Mikasa Insurance Group provides professional guidance on securing financial protection for individuals and businesses in the Waterford, CT area. Its primary focus is disability insurance, offering policies that replace income if a client becomes unable to work due to illness or injury. By specializing in this specific coverage, the agency helps clients plan for unexpected life changes that could affect earnings. Mikasa Insurance Group serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Swanson Insurance in Waterford, CT provides residential disability insurance services, helping homeowners protect their income against unforeseen medical situations. The company also offers commercial coverage tailored to local small business owners and professionals throughout the southeastern Connecticut area. By regularly reviewing each policy with clients, the agent ensures coverage keeps pace with changing health needs and career developments. Follow-up visits often result in long-term relationships, with many clients returning for periodic re-evaluations between regularly scheduled appointments.
Beecher Carlson Insurance Services in Waterford, Connecticut helps clients understand and secure disability insurance coverage tailored to their income protection needs. The agency guides individuals through various policy options that replace lost earnings during periods of illness or injury. Serving local professionals and business owners, the team explains key policy features and benefit structures. For those with complex financial situations, the agency can arrange long-term disability plans with customized riders, such as residual benefits that cover part-time loss.
What Does a a Disability Insurance Agent in Waterford Cost?
Disability insurance agent services in Connecticut typically do not charge a separate fee for policy sales. Agents earn commissions from insurance carriers, which are built into the premium. Premiums for individual disability insurance in Connecticut range from 1 percent to 3 percent of your annual income, depending on age, health, occupation, and coverage amount. Group policies through an employer may cost less. This is general information, not insurance advice.
About disability insurance agents in Waterford
A disability insurance agent in Waterford, Connecticut can help you choose a policy that fits your needs. Connecticut requires disability insurance to comply with state regulations including the Connecticut Insurance Department rules. Local agents understand the specific protections available under Connecticut law, such as the 60-day notice requirement for claim denials.
Frequently Asked Questions
What does a disability insurance agent in Waterford do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options, exclusions, and state-specific requirements. In Connecticut, agents must be licensed by the Connecticut Insurance Department.
How do I choose a disability insurance agent in Waterford?
Look for an agent with experience in disability insurance and knowledge of Connecticut regulations. Check their license status on the Connecticut Insurance Department website. Ask about their familiarity with local employers and group plans.
What Connecticut laws affect disability insurance policies?
Connecticut law requires disability insurance policies to include a 30-day free look period. Claim denials must be sent within 60 days of receiving proof of loss. The state also mandates coverage for certain conditions like pregnancy.
Disability Insurance Agents in Other Connecticut Cities
Avon · Berlin · Bloomfield · Branford · Bridgeport · Bristol · Cheshire · Danbury · East Hartford · Enfield · Fairfield · Farmington · Glastonbury · Guilford · Hamden