The top-rated disability insurance agent in Oviedo, Florida is Professional Property & Casualty LLC, rated 4.8 stars across 311 reviews. Other highly rated options include Jorel Rodriguez - State Farm Insurance Agent, Jeffrey B Campbell - State Farm Insurance Agent, Brightway Insurance, Oviedo-Winter Springs. This directory lists 17 disability insurance agents serving Oviedo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Professional Property & Casualty LLC | 2050 Winter Springs Blvd | (407) 366-7746 |
| 2 | Jorel Rodriguez - State Farm Insurance Agent | 1875 County Rd 419 #300 | (407) 278-2371 |
| 3 | Jeffrey B Campbell - State Farm Insurance Agent | 2840 Tuskawilla Rd | (407) 671-8333 |
| 4 | Brightway Insurance, Oviedo-Winter Springs | 1500 Alafaya Trail STE 1012 | (407) 706-6550 |
| 5 | Salmon Agency | 1890 County Rd 419 #1040 | (407) 365-1766 |
| 6 | Karla Salmon Insurance | 95 E Mitchell Hammock Rd #201 | (407) 478-8808 |
| 7 | Goosehead Insurance - Stephanie Velez | 1317 W Broadway St | (407) 785-6761 |
| 8 | Adam Williams - State Farm Insurance Agent | 7250 Red Bug Lake Rd STE 1016 | (407) 365-8595 |
| 9 | Kerbelis Insurance Agency | 1949 County Rd 419 #1251 | (407) 775-2760 |
| 10 | Integrity Insurance Group Inc. | 1755 W Broadway St #7 | (407) 366-7050 |
Professional Property & Casualty LLC serves clients in Seminole County and the greater metro Orlando area from its Oviedo, Florida location. The agency focuses on connecting individuals and families with disability insurance policies that provide income protection if illness or injury prevents them from working. Its agents assist with both short-term and long-term disability coverage options, tailoring plans to suit varying professional and financial needs. The company specifically handles individual policies and employer-sponsored group benefits.
Jorel Rodriguez, a State Farm Insurance Agent serving Oviedo, Florida, provides disability insurance coverage that helps protect an individual's income if they become unable to work due to illness or injury. The office offers personalized consultation to design a policy tailored to each client's specific occupation and financial situation, ensuring they understand the terms of their plan. Ongoing service support is available for claims assistance and policy adjustments. The agent serves single-family homes, apartments, retail, and restaurants in the area.
Jeffrey B Campbell - State Farm Insurance Agent serves homeowners, renters, and small business owners in Oviedo, Florida, who need disability insurance to help replace lost income if an illness or injury prevents them from working. The agency provides guidance on policy options such as short-term and long-term coverage, designed to align with individual financial situations and income levels. Coverage consultations are offered for residents throughout the Oviedo area as well as in nearby Winter Springs.
Serving Oviedo, Winter Springs, and surrounding communities in Central Florida, Brightway Insurance, Oviedo-Winter Springs handles disability insurance agent services for local residents. Assisting individuals and families, it helps clients navigate the process of securing coverage that provides income protection if they become unable to work due to illness or injury. To manage a typical case, the agency first evaluates a client’s specific employment situation and financial needs, then compares available policy options from multiple carriers to identify a suitable plan.
Disability insurance agents help clients compare short-term and long-term policies to cover a portion of income if injury or illness prevents work. In the Oviedo area, Salmon Agency guides individuals through plan selection and the application process. The company offers ongoing support for policy management and claims questions, helping clients adjust coverage as their needs change. Service runs on a scheduled basis, with options to meet as needed for policy reviews or life event updates.
Karla Salmon Insurance provides specialty guidance on short- and long-term disability income protection for residents of Oviedo and Central Florida. It also advises professionals and self-employed individuals on options to safeguard earnings if an illness or injury prevents work. As a dedicated agent, the company explains plan features and claim processes clearly. When seasonal cold or flu outbreaks or unexpected recovery periods arise, it can help policyholders review their current coverage for potential gaps or waiting period adjustments.
As Central Florida residents begin planning their annual budgets, unexpected health issues can quickly derail financial stability. Goosehead Insurance - Stephanie Velez in Oviedo specializes in disability insurance, helping local professionals protect their income against unforeseen medical circumstances. They assess each client's unique occupation and income needs to recommend appropriate coverage options from the available carriers. A complimentary consultation is scheduled to review current earnings, existing benefits, and specific policy requirements before any coverage is confirmed.
Adam Williams, operating through a State Farm Insurance Agency in Oviedo, Florida, provides essential coverage solutions for income protection. The company specializes in disability insurance, helping clients replace lost wages if they cannot work due to illness or injury. Their services also include guidance on policy options tailored to different employment situations. This work supports professionals and employees across various commercial sectors, including those working in offices, warehouses, and food service establishments throughout the region.
Kerbelis Insurance Agency provides disability insurance services to residential clients in Oviedo, Florida, helping individuals secure income protection for unexpected health events. The company also extends commercial disability coverage to local businesses seeking financial stability for their employees. Their service area encompasses Oviedo and surrounding communities in Seminole County. Following an initial policy setup, Kerbelis Insurance Agency offers ongoing support and policy reviews to adjust coverage needs that arise between regular client visits.
Integrity Insurance Group Inc. in Oviedo, FL, is known for providing personalized guidance on disability insurance plans. The firm serves clients throughout the local area, helping them assess their income protection needs. Agents work with individuals and small business owners to explain policy features, waiting periods, and benefit durations. A thorough needs analysis compares term and own-occupation coverage options. The company can also arrange supplemental policies that offer partial disability benefits.
What Does a a Disability Insurance Agent in Oviedo Cost?
Disability insurance agent services in Florida are usually free to the consumer because agents earn commissions from insurance carriers. The policy cost itself depends on factors like your age, health, occupation, and chosen benefit period. Typical monthly premiums in Oviedo range from $30 for a basic short-term policy to over $300 for a comprehensive long-term plan. Costs can also vary based on optional riders like cost-of-living adjustments. This is general information and not insurance advice.
About disability insurance agents in Oviedo
Disability insurance agents in Oviedo, Florida help individuals and businesses find coverage that meets their needs. Florida law requires agents to be licensed by the state and follow specific regulations for policy disclosures. Local agents understand the unique risks in Seminole County and can guide you through options for short-term and long-term disability plans.
Frequently Asked Questions
What does a disability insurance agent in Oviedo do?
A disability insurance agent helps you compare policies from different carriers to find a plan that fits your income and occupation. They explain policy terms, waiting periods, and benefit amounts. Agents in Florida must follow state insurance regulations and disclose all policy limitations.
How do Florida laws affect disability insurance policies?
Florida law requires disability insurance policies to include a free look period of at least 10 days. The state also mandates that insurers cannot deny a claim based on a pre-existing condition if the policy has been in force for more than two years. Agents must provide clear information about these protections.
What is the typical cost for disability insurance in Oviedo?
Costs vary based on age, health, occupation, and benefit amount. Monthly premiums in Florida typically 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 covering 60% of income. Always get quotes from multiple agents.
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