The top-rated disability insurance agent in Palm Coast, Florida is Turner Insurance, rated 5.0 stars across 204 reviews. Other highly rated options include Insurance Office of America, Integrity Insurance Group of Florida, Coastal Palm Insurance Company. This directory lists 17 disability insurance agents serving Palm Coast.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Turner Insurance | 389 Palm Coast Pkwy SW Suite 3-R | (386) 282-7888 |
| 2 | Insurance Office of America | 1 Hargrove Grde Building B, Suite 3 | (386) 276-9130 |
| 3 | Integrity Insurance Group of Florida | 5182 N Ocean Shore Blvd unit c | (386) 259-1000 |
| 4 | Coastal Palm Insurance Company | 2 Pine Lakes Pkwy #6 | (386) 313-5908 |
| 5 | Heart of Florida Insurance Group | 21 Old Kings Rd N B102 | (386) 445-0061 |
| 6 | Brightway Insurance, The Flagler Agency | 55 Plaza Dr #5 | (386) 597-8200 |
| 7 | Rob Watkins - HealthMarkets Insurance Agent | 12 Roxton Ln | (386) 569-6856 |
| 8 | Atlantic Benefit Consultants, LLC | 50 Leanni Way UNIT E3 | (386) 383-3101 |
| 9 | Santos Group - All Insurance | 25 Palm Harbor Village Way W STE 5A | (386) 597-1112 |
| 10 | Absolute Risk Services | 25 Old Kings Rd N Unit 5B | (386) 585-4399 |
Turner Insurance serves Palm Coast and Flagler County as a disability insurance agent, helping individuals protect their income through specialized coverage plans. The agency assists clients in evaluating policy options tailored to their specific occupations and financial needs. Disability insurance can replace a portion of lost earnings if an illness or injury prevents work. Turner Insurance handles both short-term and long-term disability policies, guiding residents through the application process for these essential benefits.
At Insurance Office of America in Palm Coast, Florida, the agency provides services related to disability insurance agent work, assisting local clients with applications and policy explanations. It offers service plans that include ongoing support for claim filing and policy maintenance, ensuring clients understand their benefits over time. These efforts help individuals protect their income during unexpected health disruptions. The agency serves properties such as single-family homes, apartments, retail locations, and restaurants in the surrounding area.
Integrity Insurance Group of Florida in Palm Coast serves local homeowners and business owners who need to protect their income from unexpected illness or injury. They assist clients with evaluating individual disability insurance options to ensure coverage aligns with personal financial responsibilities and professional obligations. The agency works with residents throughout Flagler County and also provides its disability insurance agent services to clients in the neighboring community of Bunnell.
Coastal Palm Insurance Company serves Palm Coast and the surrounding communities of Flagler and northern Volusia counties, handling disability insurance policies for local residents and professionals. It assists clients seeking income protection through both short-term and long-term individual coverage plans. The agency works with policy seekers to understand their specific occupational needs and financial situations. It generally approaches each typical job by carefully comparing available policy features and benefits to help clients find suitable coverage options.
Heart of Florida Insurance Group in Palm Coast, Florida helps clients distinguish between one-time disability insurance policies that cover a single illness or injury and recurring plans that provide ongoing income protection. Typical services include evaluating individual needs to select appropriate income replacement coverage, reviewing existing group policies, and explaining benefit terms. As a disability insurance agent, the company also assists with policy changes and claims guidance. Service accommodations run on a scheduled basis, offering periodic reviews and updates for clients.
Brightway Insurance, The Flagler Agency in Palm Coast, Florida, specializes in disability insurance, providing policies that replace a portion of lost income if an illness or injury prevents work. The agency helps clients understand various policy structures, including elimination periods and benefit durations, to secure financial protection. Agents in this area commonly assist self-employed individuals and small business owners in planning for unexpected health disruptions. This can be especially valuable when preparing for seasonal employment shifts or the increased physical demands of local summer tourism work.
With hurricane season approaching in Palm Coast, residents often review their financial protections for potential income interruptions. Rob Watkins - HealthMarkets Insurance Agent responds by helping local clients evaluate disability insurance options. This coverage can replace a portion of lost wages if an illness or injury prevents working. The agent guides clients in understanding how policy features address individual needs. The process begins with an initial consultation to review current coverage and personal circumstances, assessing the appropriate protection level for each situation.
Atlantic Benefit Consultants advises clients on income protection strategies, specializing as a disability insurance agent in Palm Coast, Florida. The firm guides individuals and business owners through policy options that help replace lost earnings if injury or illness prevents work. These plans are designed to support financial stability during recovery. The company serves professionals and employees across various commercial sectors, including offices, warehouses, and food service establishments.
Santos Group - All Insurance provides disability insurance services to residential clients in Palm Coast, Florida. The agency also extends disability coverage to commercial clients throughout the surrounding region. Their agents assist individuals and business owners in selecting policies to protect income against unexpected illness or injury. They work with clients to understand policy provisions and help with application processes. After placing a policy, they follow up with clients between regular visits to address coverage changes or questions as needs evolve over time.
What Does a a Disability Insurance Agent in Palm Coast Cost?
The cost of disability insurance in Florida typically ranges from 1 percent to 3 percent of your annual income. For a 40 year old non smoking professional a policy covering 60 percent of income may cost between 100 and 300 dollars per month. Premiums vary based on age health occupation and benefit period. This is general information not insurance advice.
About disability insurance agents in Palm Coast
Disability insurance agents in Palm Coast Florida help residents and workers protect their income if they become unable to work due to injury or illness. Florida law requires disability insurance policies to include specific provisions under Florida Statute 627.667. Working with a local agent ensures you understand state rules and can choose coverage that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Palm Coast do?
A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you cannot work. They explain policy terms, compare options from different carriers, and assist with claims. Agents in Palm Coast are familiar with Florida specific policy requirements and can guide you through the process.
How long does it take to get disability benefits in Florida?
After you file a claim, Florida law does not set a specific timeline for payment. However most insurers process claims within 30 to 60 days. If your claim is denied you have the right to appeal and must do so within 180 days under Florida Statute 627.667.
Are disability insurance premiums tax deductible in Florida?
Premiums for individual disability insurance policies are generally not tax deductible if you pay with after tax dollars. However if your employer pays the premiums and does not include them in your taxable income then benefits are taxable. A local agent can explain how Florida tax rules apply to your situation.
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