The top-rated disability insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 13 disability insurance agents serving Cutler Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ellie Mills - State Farm Insurance Agent | 20330 Old Cutler Rd | (305) 238-8688 |
| 2 | Estrella Insurance | 20214 Old Cutler Rd | (305) 232-7690 |
| 3 | Choice One Insurance | 18400 SW 97th Ave STE 101 | (305) 252-1873 |
| 4 | Del Toro Insurance | 18651 S Dixie Hwy | (305) 252-1009 |
| 5 | Claudia's Insurance Inc | 18901 SW 106th Ave #132 | (786) 293-9141 |
| 6 | Arena Insurance Agency Corp | 10720 Caribbean Blvd Suite 423 | (305) 251-3312 |
| 7 | Lumina Insurance At Cutler Bay | 20250 S Dixie Hwy Ste 202 | (786) 409-0930 |
| 8 | Danel Insurance Solutions | 10700 Caribbean Blvd | (888) 906-9862 |
| 9 | Good Driver Insurance | 19335 S Dixie Hwy | (305) 836-1130 |
| 10 | Sure Insurance Agency | 20555 Old Cutler Rd | (305) 203-0289 |
Ellie Mills - State Farm Insurance Agent serves Miami-Dade County from its Cutler Bay, Florida office. The agency provides disability insurance coverage to local residents. These policies help protect income when illness or injury prevents a person from working. Clients can discuss replacement income options that fit their specific needs. The agency guides policyholders through the often complex claims process if they need to use their benefits. It regularly meets with individuals to review short-term and long-term disability plans.
Estrella Insurance in Cutler Bay, Florida, is known for helping clients navigate disability insurance decisions. The company serves local residents by explaining policy options that replace lost income when illness or injury prevents work. They assess individual needs and present plans from various carriers, covering short-term and long-term coverage. Additional services include guidance on coordinating disability benefits with other income sources during a claim period.
Choice One Insurance provides disability insurance agent services for individuals and businesses in the Cutler Bay, Florida area. It helps clients select policies that protect income in the event of illness or injury and can assist with filing claims to ensure timely benefits. The agency offers ongoing policy management, helping customers adjust coverage as their needs change over time. It serves a variety of residential and commercial properties, including single-family homes, apartments, retail locations, and restaurants.
Del Toro Insurance serves clients in the Cutler Bay, Florida, area, offering services as a Disability Insurance Agent. It assists individuals in finding coverage designed to replace a portion of their income if they become unable to work due to illness or injury. The company helps guide clients through the process of comparing different disability insurance plans. It handles both short-term disability insurance for temporary work loss and long-term disability insurance for extended periods of incapacity.
Claudia's Insurance Inc serves local homeowners and small business owners in Cutler Bay, Florida, offering disability insurance agent services to help protect their income. The agency assists clients in understanding policy options that provide financial support if an illness or injury prevents them from working. Each plan is tailored to individual coverage needs, ensuring appropriate benefit levels and waiting periods are considered. The company also extends its support to residents and businesses in the neighboring communities of Palmetto Bay and Homestead.
Arena Insurance Agency Corp serves Cutler Bay and the surrounding communities of South Florida. It handles disability insurance policies designed to protect an individual’s income when injury or illness prevents them from working. These policies cover a portion of lost earnings during the recovery period. An agent reviews the client’s occupation, current income, and existing coverage needs. It then compares available plans from different carriers. The agency uses a consultative approach to match the policy options to the client’s specific financial situation and risk tolerance.
Lumina Insurance At Cutler Bay available service options include both one-time, urgent policy reviews and recurring, ongoing consultations to monitor changing needs. Their coverage focuses exclusively on disability insurance, helping local professionals protect income against illness or injury that prevents work. Located in Cutler Bay, Florida, the agency explains policy details such as benefit periods, elimination periods, and occupation-specific definitions. This individualized service ensures Clientele can move forward with informed decisions. Services are provided on both an as-needed basis for immediate questions and scheduled appointments for regular policy check-ins.
Danel Insurance Solutions focuses on disability income protection through specialized policies tailored for individuals and professionals in Cutler Bay, Florida. The agency as a whole works to help clients understand their coverage options and navigate the application process with insurers. Designed to replace lost earnings after illness or injury, these benefits address financial stability during recovery. The office frequently assists residents following local hurricane seasons when property damage can heighten concerns about temporary or permanent inability to work.
During hurricane season in Cutler Bay, floods and storms can disrupt lives without warning, making income protection a pressing concern for local workers. Good Driver Insurance addresses this need by helping residents secure disability insurance that replaces lost earnings during recovery from illness or injury. They simplify the process of comparing coverage options to match individual job risks and budgets. A thorough initial assessment of your current income and health history starts the process of building a suitable policy.
Sure Insurance Agency operates as a disability insurance agent in Cutler Bay, FL, guiding individuals and businesses through the process of securing income protection plans. It specializes in offering supplemental disability coverage options that help fill gaps left by standard employer-provided policies. The agency can assist workers across various commercial sectors, including professional offices, large warehouses, and food service establishments, ensuring they understand their policy benefits and coverage terms.
What Does a a Disability Insurance Agent in Cutler Bay Cost?
Disability insurance agent services in Florida are typically paid through commissions from the insurance company. Policy premiums vary widely based on age, health, occupation, and benefit amount. A typical individual disability policy may cost 1% to 3% of your annual income per year. This is general information, not insurance advice.
About disability insurance agents in Cutler Bay
A disability insurance agent in Cutler Bay, Florida can help you understand your policy options and file claims. Florida law requires disability insurance policies to include specific provisions under Florida Statute 627.667. Working with a local agent who knows Miami-Dade County regulations can simplify the process of securing income protection.
Frequently Asked Questions
What does a disability insurance agent in Cutler Bay do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain coverage limits, waiting periods, and benefit terms. Agents also assist with claim submissions and policy questions.
How long do I have to file a disability claim in Florida?
Florida law does not set a single deadline for all disability claims. Most policies require you to notify the insurer within 20 to 30 days of becoming disabled. Check your specific policy for exact time limits.
Can a disability insurance agent help if my claim is denied?
Yes, an agent can review the denial reason and help you gather additional documents. They can also guide you through the internal appeals process. For legal appeals, you may need to consult an attorney.
Disability Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Aventura · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Casselberry · Clearwater · Clermont · Coral Gables · Coral Springs