The top-rated disability insurance agent in Fleming Island, Florida is Nathaniel Herring - State Farm Insurance Agent, rated 5.0 stars across 179 reviews. Other highly rated options include Michael Murray: Allstate Insurance, Wendell Chindra - State Farm Insurance Agent, Brightway Insurance, Fleming Island. This directory lists 11 disability insurance agents serving Fleming Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nathaniel Herring - State Farm Insurance Agent | 3521 US-17 Unit A | (904) 269-5200 |
| 2 | Michael Murray: Allstate Insurance | 4701 US-17 Ste 101 | (904) 269-2200 |
| 3 | Wendell Chindra - State Farm Insurance Agent | 865 Hibernia Rd #109 | (904) 297-4063 |
| 4 | Brightway Insurance, Fleming Island | 5000 US-17 Suite 14 | (904) 928-8184 |
| 5 | Tim Rust Insurance | 1835 E West Pkwy East West Prwy | (904) 264-0500 |
| 6 | State Farm Insurance | 865 Hibernia Rd #109 | — |
| 7 | Summit Reinsurance Services, Inc. | 414 Old Hard Rd Ste 102 | (904) 269-2850 |
| 8 | Heidi Hansen - Aflac Insurance Agent | 3659 Westover Rd | (904) 568-4106 |
| 9 | Robert Woerner II - Aflac Insurance Agent | 1348 Holmes Landing Dr | (904) 298-4538 |
| 10 | Cypress Phipps, Bankers Life Agent | 1845 Town Center Blvd UNIT 210 | (904) 269-0228 |
Nathaniel Herring - State Farm Insurance Agent serves the Fleming Island, Florida, area and surrounding Clay County communities, specializing in disability insurance agent services. The agency assists local professionals and residents in securing income protection plans designed to replace a portion of earnings if an illness or injury prevents work. Disability insurance policies here are tailored to individual occupational risks and financial needs. The agent handles both short-term and long-term disability coverage to help safeguard personal finances during unexpected health challenges.
Michael Murray: Allstate Insurance provides disability insurance agent services to clients in Fleming Island, Florida. It assists individuals in understanding and selecting disability income protection policies that can help replace lost wages during an illness or injury. The agency offers support in filing claims and policy management to ensure ongoing coverage. Regular policy reviews help clients adjust their plans as their financial situations evolve. The company services a range of property types, including single-family homes, apartments, retail establishments, and restaurants.
Homeowners in Fleming Island, FL, as well as small business owners and rental property managers, receive disability insurance guidance from Wendell Chindra, a local State Farm agent. This agency helps individuals protect their income by explaining policy options for illness or injury coverage. Services include assessing personal risk factors and filing initial claims when needed. The agency also serves communities throughout the greater Jacksonville metro area, including nearby Orange Park and Middleburg.
Serving Fleming Island and the surrounding communities in Clay County, Brightway Insurance operates as a disability insurance agent. The company handles applications for individual disability income policies that can replace a portion of a client's salary if they become unable to work due to illness or injury. It evaluates a person’s occupation, income level, and overall health to match them with suitable coverage options from various insurance carriers. The agent typically collects financial details and medical history, then submits the application while guiding the client through the underwriting process.
Tim Rust Insurance on Fleming Island guides clients in choosing between one-off policy evaluations and ongoing coverage management, ensuring disability protection aligns with personal circumstances. The agency helps individuals understand policy terms and claim procedures for income-replacement benefits. This local office works with professionals to secure plans that guard against unexpected injury or illness. Service is available on either a one-time consultation basis or as scheduled for periodic policy reviews and adjustments.
Residents of Fleming Island often seek coverage after a change in employment or a new health diagnosis, and Summit Reinsurance Services, Inc. works with individuals to address these specific needs. As a local disability insurance agent, the company assists clients in understanding policy options for income protection during unexpected illness or injury. Their process typically begins with a thorough assessment of a client’s current financial situation and long-term goals to guide initial recommendations.
Heidi Hansen operates as an Aflac insurance agent in Fleming Island, Florida, focusing on disability coverage to help protect income during unexpected illness or injury. She works with individuals and businesses to tailor supplemental plans that address gaps in standard health insurance. These policies can assist workers in maintaining financial stability while recovering. Her agency serves commercial sectors such as offices, warehouses, and food service operations, providing locally accessible guidance on disability insurance options for their specific workplace needs.
Robert Woerner II - Aflac Insurance Agent provides disability insurance coverage for residential clients in the Fleming Island area. Commercial policies and group benefits for local businesses are also available, with the entire region served for both new and existing accounts. Each plan focuses on replacing lost income if the policyholder cannot work due to illness or injury. Follow-up assistance and policy adjustments are coordinated between regular annual visits to ensure ongoing coverage matches changing needs.
Cypress Phipps, Bankers Life Agent in Fleming Island, FL, is known for guiding clients through the complexities of disability insurance, offering comprehensive policy options to protect income. These plans are tailored to meet a wide range of personal and professional needs within the local community. The company also provides specialized assistance for evaluating long-term care as a valuable add-on service.
What Does a a Disability Insurance Agent in Fleming Island Cost?
The cost of disability insurance in Florida varies based on age, health, occupation, and coverage amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy that replaces 60% of income. Costs are higher for high-risk jobs or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Fleming Island
Disability insurance agents in Fleming Island, Florida help residents protect their income with policies that meet state requirements. Florida law does not mandate disability insurance, but agents can guide you on options like short-term and long-term coverage. Local agents are familiar with the unique needs of Fleming Island workers, from healthcare professionals to small business owners.
Frequently Asked Questions
What does a disability insurance agent in Fleming Island do?
A disability insurance agent helps you find and purchase a policy that replaces part of your income if you cannot work due to illness or injury. They explain policy terms, exclusions, and how Florida law affects your coverage. Agents also assist with filing claims and understanding your rights under Florida Statutes Section 627.
Is disability insurance required in Florida?
No, Florida does not require individuals to carry disability insurance. However, employers may offer it as a benefit, and agents can help you buy a private policy. Florida law does not regulate private disability insurance rates, so comparing options with an agent is important.
How do Florida laws affect disability insurance claims?
Florida law requires insurance companies to handle claims in good faith, as outlined in Florida Statutes Section 624.155. If a claim is denied, you have the right to appeal. An agent can explain the time limits for filing appeals, which are typically 180 days from the denial date.
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