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Find Disability Insurance Agents in Fernandina Beach, FL
Looking for a disability insurance agent in Fernandina Beach? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 7 disability insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034
(904) 326-3288
nelsonandassociatesinsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Raulerson Insurance Group
1901 Island Walkway #113, Fernandina Beach, FL 32034
(904) 267-1585
raulersoninsurance.com
Disability insurance agents in Fernandina Beach help residents and small business owners secure income protection policies. Florida law does not require private disability insurance, but agents can guide you on state-specific options like short-term and long-term plans. Local agents understand the unique needs of Nassau County workers, from tourism to healthcare.
What Does a Disability Insurance Agent in Fernandina Beach Cost?
Disability insurance agent services in Fernandina Beach typically involve no direct fee to you, as agents earn commissions from insurers. Policy premiums vary widely: a 35-year-old non-smoker might pay 1% to 3% of annual income for a long-term policy, or 100 to 300 dollars per month for 5,000 dollars in monthly benefits. Costs depend on age, health, occupation, and benefit terms. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Fernandina Beach do?
An agent helps you compare disability policies from multiple carriers. They explain coverage limits, elimination periods, and benefit durations. They also assist with filing claims and understanding Florida insurance regulations.
Is disability insurance required by law in Florida?
No, Florida does not mandate private disability insurance for individuals. However, some employers may offer group coverage. An agent can help you decide if individual coverage is right for your situation.
How does Florida law affect disability insurance claims?
Florida follows an erisa-like framework for employer plans, but individual policies are governed by state contract law. Claims must be filed promptly, and insurers have 90 days to respond after receiving proof of loss. An agent can help you meet these deadlines.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.