The top-rated disability insurance agent in Delray Beach, Florida is Estrella Insurance, rated 4.9 stars across 228 reviews. Other highly rated options include Gracey Backer Insurance, K2 Insurance, We Insure Del Ray Beach - Jay Lerner. This directory lists 18 disability insurance agents serving Delray Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 1690 S Congress Ave Ste 100 U11 | (754) 318-7220 |
| 2 | Gracey Backer Insurance | 275 George Bush Blvd | (561) 276-6055 |
| 3 | K2 Insurance | 1690 S Congress Ave suite 100 office #9 | (561) 749-9993 |
| 4 | We Insure Del Ray Beach - Jay Lerner | 15200 Jog Rd D1 | (561) 404-4584 |
| 5 | Weinstein Wealth Insurance Solutions | 2314 Bloods Grove Cir | (732) 407-8063 |
| 6 | Kapital Insurance, Inc | 955 NW 17th Ave Bldg G | (561) 206-6603 |
| 7 | Apex Insurance | 702 NE 3rd Ave | (561) 272-9683 |
| 8 | HealthMarkets Insurance - Bryan Posillico | 302 SW 28th Ave | (954) 881-4939 |
| 9 | Billiet Insurance Agency | 5300 W Atlantic Ave Ste 305 | (561) 734-2330 |
| 10 | CareSure Insurance agency FL | 40 SE 2nd Ave | (561) 559-1072 |
Estrella Insurance helps clients in Delray Beach, Florida choose between individual long-term disability policies with a one-time purchase and group plans that renew on a recurring basis, depending on their employment situation. Coverage focuses on replacing a portion of lost income when a medical condition prevents work. A licensed agent explains policy details, exclusions, and waiting periods to ensure informed decisions. Service runs on an as-needed basis, with clients contacting the agency for consultations either by appointment or walk-in.
Gracey Backer Insurance serves clients in Delray Beach and throughout Palm Beach County, specializing in disability insurance agent services. This agency helps individuals and business owners understand the financial protection provided by disability coverage when an illness or injury prevents them from working. Navigating this specialized insurance requires a knowledgeable agent who can explain benefit periods, elimination periods, and policy provisions tailored to local professions. Gracey Backer Insurance handles both short-term disability policies to cover temporary income loss and long-term disability plans for extended protection needs.
K2 Insurance serves homeowners and business owners in Delray Beach, Florida, by helping them find disability insurance policies that provide income protection if they are unable to work due to illness or injury. The agency works with clients to assess their coverage needs and compare policies from various carriers to match their specific situations. It also assists self-employed individuals in securing plans that safeguard their earnings. Additionally, K2 Insurance extends its services to clients in the neighboring community of Boca Raton.
We Insure Del Ray Beach - Jay Lerner provides services as a disability insurance agent, helping clients navigate policy options to protect their income in the event of illness or injury. It assists with plan selection and the application process. For existing policies, the company offers support with claims and coverage adjustments. The firm serves individuals, including homeowners and renters, as well as small business owners in Delray Beach, Florida.
Weinstein Wealth Insurance Solutions serves Delray Beach, Florida, and the surrounding communities, handling disability insurance policies for local professionals and residents. These policies protect income if illness or injury prevents work. The company reviews each client’s occupation and earnings to recommend appropriate coverage amounts and waiting periods. It then compares policies from multiple carriers to find suitable terms. For a typical job, it guides clients through the application process, coordinates medical records if needed, and ensures the policy is issued accurately to meet the individual’s long-term financial needs.
Kapital Insurance, Inc in Delray Beach, FL offers both one-time consultations for immediate disability coverage needs and ongoing service options to support policy adjustments over time. These services help clients understand how disability insurance can replace lost income during an illness or injury. The company handles policy selection and claims guidance for individuals and professionals in the area. Their client service runs on a scheduled basis for policy reviews and updates as client circumstances change.
Apex Insurance specializes in securing income protection plans tailored for professionals and self-employed individuals in Delray Beach, FL. As a disability insurance agent, the company guides clients through the process of evaluating policy options to replace lost wages during illness or injury. Apex also assists with coordinating benefits and understanding long-term coverage terms. This is especially important for new small business owners who need to safeguard their financial stability during the first critical year of operation after a medical setback.
HealthMarkets Insurance - Bryan Posillico helps individuals and businesses in Delray Beach assess their coverage needs for lost income due to injury or illness. The agency specializes in tailoring disability insurance policies to protect earnings when a client cannot work. It serves various local commercial sectors, including offices requiring key-person protection, warehouses needing coverage for physical labor risks, and food service operations seeking employee benefit solutions. These services aim to provide financial stability during recovery periods.
As the hurricane season nears in South Florida, residents often reassess their financial protections, and Billiet Insurance Agency responds by guiding Delray Beach clients through disability insurance options. The team explains how these policies can replace lost income after an illness or injury. They work with individuals to match available plans from major carriers. Focusing on straightforward explanations, they help simplify the coverage selection process. A comprehensive initial assessment of personal needs and employment status begins every consultation.
What Does a a Disability Insurance Agent in Delray Beach Cost?
Disability insurance agent services in Florida typically involve no direct fee to you because agents earn commissions from insurance companies. Policy premiums vary widely: a 35-year-old office worker might pay 40 to 80 dollars per month for a 1000 dollar benefit, while a construction worker may pay 100 to 200 dollars. Costs depend on your age, health, occupation, and chosen waiting period. This is general information, not insurance advice.
About disability insurance agents in Delray Beach
Disability insurance agents in Delray Beach help individuals and business owners protect their income. Florida law requires agents to be licensed by the state and follow specific disclosure rules. A local agent can explain how Florida's 2-year limit on certain disability benefits may affect your policy.
Frequently Asked Questions
What does a disability insurance agent in Delray Beach do?
A disability insurance agent helps you find and purchase disability income protection policies. They explain policy terms, coverage limits, and waiting periods. They also assist with claims and policy changes.
How do Florida laws affect disability insurance?
Florida does not require employers to provide disability insurance. However, state law sets strict time limits for filing claims and appeals. An agent can help you understand these deadlines and your policy rights.
What is the typical cost for disability insurance in Florida?
Costs vary based on age, health, occupation, and benefit amount. Monthly premiums for a healthy 40-year-old in Delray Beach often range from 50 to 150 dollars for a 2000 dollar monthly benefit. Rates are higher for riskier jobs or pre-existing conditions.
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