The top-rated disability insurance agent in Miami, Florida is First Choice Insurance Agency Corp, rated 5.0 stars across 1,892 reviews. Other highly rated options include USA General Insurance Corporation, Insurance Exchange of America, Jim Diaz - State Farm Insurance Agent. This directory lists 96 disability insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Choice Insurance Agency Corp | 7540 SW 117th Ave | (786) 360-1021 |
| 2 | USA General Insurance Corporation | 13631 SW 26th St | (305) 386-3305 |
| 3 | Insurance Exchange of America | 8600 NW 17th St Suite 101 | (305) 403-0800 |
| 4 | Jim Diaz - State Farm Insurance Agent | 13550 SW 88th St #296 | (305) 385-6696 |
| 5 | Dulcinea Insurance Agency | 1840 Coral Wy #221 | (786) 910-9487 |
| 6 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 7 | Neighbors Insurance Agency | 7130 SW 43rd St | (305) 265-8585 |
| 8 | American Insurance Point - AIP FLORIDA | 999 Brickell Ave # 410 | (305) 440-0212 |
| 9 | Insurance Professionals USA - Obamacare Health | 11402 NW 41 St ste 210 Doral | (786) 577-3636 |
| 10 | Madrinas Insurance Miami | 7795 W Flagler St | (305) 602-0436 |
First Choice Insurance Agency Corp provides comprehensive disability insurance services for clients in Miami, Florida. Its agents assist individuals in selecting appropriate coverage to protect their income during periods of medical leave. The company offers policy reviews and ongoing support to ensure that plans remain aligned with changing needs and circumstances. Each policy is designed to replace a portion of lost wages should a qualifying injury or illness occur. The agency serves single-family homeowners, apartment residents, retail stores, and local restaurants throughout the area.
USA General Insurance Corporation in Miami provides disability income protection planning and long-term disability coverage services. It works with local professionals and small business owners to structure policies that replace a portion of lost earnings due to illness or injury. The agency helps clients understand elimination periods, benefit durations, and own-occupation definitions. As the hurricane season approaches, it also assists self-employed individuals in securing policies before storm-related injuries create coverage complications.
Insurance Exchange of America serves Miami, Florida, and its surrounding communities. This agency handles disability insurance, which can help replace a portion of income if an individual becomes unable to work due to illness or injury. They guide clients through the process by first reviewing personal financial factors and then matching them with appropriate policy options. The agency uses a straightforward, fact-based approach to explain coverage terms and underwriting details for each typical application it manages.
Located in Miami, Florida, Jim Diaz - State Farm Insurance Agent offers both single-purchase disability policies and ongoing coverage plans to address varying protection needs. A disability insurance agent helps secure income replacement for clients who cannot work due to injury or illness, tailoring solutions for local professionals and families. Their Miami-based service operates on a scheduled basis, with appointments available as needed for policy reviews or claims support.
Dulcinea Insurance Agency focuses on helping individuals secure coverage for income loss due to illness or injury. It primarily works as a disability insurance agent in the Miami, Florida area, guiding clients through plan selection and policy details. The company regularly assists professionals and business owners, offering supplementary options to tailor coverage for specific workplace needs. Its services support various commercial sectors, including office environments, warehouse operations, and food service establishments.
Blue Sky Insurance & Immigration Services serves residents in Miami, Florida with disability insurance coverage tailored to individual needs. The agency also assists commercial clients seeking protection for their businesses against income loss due to employee disability. Service extends throughout the Miami area. Clients return for adjustments or policy renewals between their regular plan reviews, and the company offers follow-up service to help them adapt coverage as circumstances change.
Neighbors Insurance Agency in Miami, Florida, is known for assisting individuals and families in evaluating their financial protection needs. The agency offers guidance on disability income coverage, helping clients understand policy options for protecting their earnings against unexpected illness or injury. It provides consultations to assess risk factors, benefit periods, and waiting periods. The agents support both individual and group insurance planning for local professionals and small business owners. A specialty service it can provide is offering an analysis of residual disability benefits tailored to partial income loss scenarios.
American Insurance Point - AIP FLORIDA serves the Miami-Dade metro area by connecting individuals and business owners with disability insurance policies designed to protect income during illness or injury. Operating out of Miami, the agency navigates clients through the complexities of short-term and long-term disability coverage options. Their work focuses on helping customers understand benefit waiting periods and policy exclusions. Specific services handled in this region include individual long-term disability plans and group disability insurance for small local businesses.
Madrinas Insurance Miami provides disability insurance agency services to clients throughout Miami, Florida. The company helps individuals understand and secure income protection policies that replace lost earnings due to illness or injury. It also offers ongoing policy reviews to ensure coverage keeps pace with changing needs. Services include guiding applicants through the underwriting process and aiding with disability claims when necessary. Madrinas Insurance Miami serves local single-family homeowners, apartment dwellers, retail operators, and restaurant owners.
What Does a a Disability Insurance Agent in Miami Cost?
Disability insurance agents in Florida typically earn commissions paid by the insurance company so their services are often free to you. Policy premiums vary widely based on age health and coverage amount. A typical individual disability policy in Florida may cost between 1% and 3% of your annual income per year. Group policies through employers are usually less expensive. This is general information not insurance advice.
About disability insurance agents in Miami
A disability insurance agent in Miami Florida can help you understand your policy and file claims. Florida law requires insurance companies to respond to claims within specific timeframes. Miami agents are familiar with local medical providers and legal requirements for disability benefits.
Frequently Asked Questions
What does a disability insurance agent in Miami do?
A disability insurance agent helps you choose a policy and guides you through the claims process. They explain policy terms and assist with paperwork. In Florida agents must be licensed by the Florida Department of Financial Services.
How long do I have to file a disability claim in Florida?
Florida law does not set a universal deadline for disability claims but policies usually require prompt notice. Many policies require you to file a claim within 30 to 90 days of becoming disabled. Check your specific policy for exact deadlines.
Can a Miami agent help with denied disability claims?
Yes an agent can review your denial and help you gather additional evidence. They can also explain the appeals process under Florida law. For complex denials you may need to consult a lawyer who specializes in disability insurance.
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