The top-rated disability insurance agent in Pensacola, Florida is John Shaffer - State Farm Insurance Agent, rated 4.9 stars across 1,052 reviews. Other highly rated options include Advance Insurance of Northwest Florida, Florida Insurance Agency, Classic Insurance Group. This directory lists 46 disability insurance agents serving Pensacola.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Shaffer - State Farm Insurance Agent | 117 N Palafox St | (850) 433-4343 |
| 2 | Advance Insurance of Northwest Florida | 105 Beverly Pkwy | (850) 469-0880 |
| 3 | Florida Insurance Agency | 17 W Government St Suite A | (850) 972-8070 |
| 4 | Classic Insurance Group | 1545 E Olive Rd | (850) 332-5717 |
| 5 | Globe Life Liberty National Division: The Mitchell & Mitchell Agencies | 1449 W 9 Mile Rd Suite 11 & 12 | (251) 660-4437 |
| 6 | Acceptance Insurance | 8084 N Davis Hwy Ste E-1 | (850) 204-3795 |
| 7 | Sam Carpenter - State Farm Insurance Agent | 1510 Airport Blvd Suite 1 | (850) 208-6626 |
| 8 | MEG Financial, Inc. | 196 E 9 Mile Rd suite g | (877) 583-3955 |
| 9 | Erb and Young Insurance - Pensacola | 2170 Creighton Rd | (850) 494-2264 |
| 10 | The O'Neil Agency LLC (Formerly David Seckinger & Associates) | 1117 N 9th Ave | (850) 469-8082 |
John Shaffer - State Farm Insurance Agent serves the Pensacola, FL area, providing disability insurance agent services. This agency helps individuals secure coverage that replaces a portion of their income if an illness or injury prevents them from working. Policies are structured to support financial stability during recovery periods. The office guides clients through plan options for short-term income replacement when a temporary medical condition leaves them unable to perform their job duties.
Advance Insurance of Northwest Florida serves homeowners, businesses, and property managers in need of disability income protection. The agency provides guidance on individual disability policies designed to replace lost earnings due to illness or injury. It also assists local professionals with business overhead expense coverage and key person disability insurance. These services help ensure financial stability for clients throughout the Pensacola area. The agency further extends its coverage consultation to residents and businesses in the nearby Gulf Breeze community.
Florida Insurance Agency provides comprehensive disability insurance agent services to clients in Pensacola. It helps individuals assess their need for income protection and guides them through plan options suited to their occupations. The agency offers ongoing policy reviews to adjust coverage as circumstances change. It also assists with claim filing support if a disability occurs. It supplies maintenance plans for periodic evaluations of existing policies. Florida Insurance Agency services single-family homes, apartments, retail, and restaurants.
Classic Insurance Group serves the Pensacola, Florida area and surrounding communities, handling disability insurance needs for local residents and professionals. The company works with clients to understand their specific income protection requirements in this region. It typically approaches each job by carefully reviewing the client’s occupation, existing coverage, and individual situation to recommend appropriate disability insurance options.
Globe Life Liberty National Division: The Mitchell & Mitchell Agencies in Pensacola, FL serves as a disability insurance agent, helping clients understand the difference between a one-time policy purchase and recurring coverage options that require ongoing premium payments. Short-term disability typically provides income replacement for a limited period, while long-term policies protect against more extended inability to work. Coverage decisions depend on individual employment situations and financial planning needs. Service consultations are available to clients on an as-needed basis, ensuring timely assistance when questions or policy adjustments arise.
Acceptance Insurance provides disability insurance agent services in Pensacola, Florida, assisting clients with policies that replace income if illness or injury prevents work. It serves local residents by explaining different coverage levels and helping them choose plans that fit their budgets and occupational needs. The agent also helps navigate the application process, including medical underwriting requirements. As seasonal Gulf Coast storms can cause injuries that disrupt employment, the agency assists with securing benefits for those recovering from storm-related accidents during hurricane season.
Sam Carpenter - State Farm Insurance Agent serves the Pensacola, Florida area with residential disability insurance solutions. Commercial disability coverage is also available to protect local business owners and their employees. The agent works with clients throughout the surrounding region, helping them understand policy options for income protection. Clients can request follow‑up consultations or make adjustments to their coverage between regular policy review visits as their needs change.
MEG Financial, Inc. is known in Pensacola, FL as a disability insurance agent. The company helps individuals and businesses understand and secure coverage that protects income if an illness or injury prevents work. It guides clients through policy options suited to local employment needs. As a specialty service, MEG Financial can advise on adding a future purchase option to a policy.
In the unpredictable Florida climate, local workers often wonder how an injury or illness would affect their income. Erb and Young Insurance - Pensacola provides guidance on individual disability insurance plans that can replace a portion of earnings during recovery. Their agents assess each client’s occupation, current benefits, and budgetary needs to explain policy options and waiting periods. The process begins by scheduling a complimentary review of your existing coverage and a discussion of your personal goals to determine the right level of protection for your situation.
The O'Neil Agency LLC, formerly David Seckinger & Associates, guides clients in and around Pensacola through the process of selecting appropriate disability insurance. This agency specializes in helping individuals secure income protection plans that address the specific financial risks of unexpected injury or illness. It works closely with local professionals seeking to safeguard their earning potential. The agency’s services extend to businesses requiring group disability solutions across common commercial sectors, including offices, warehouses, and food service.
What Does a a Disability Insurance Agent in Pensacola Cost?
Disability insurance agent services in Florida are typically paid through commissions from the insurance carrier. Policy premiums vary widely from 1 percent to 3 percent of your annual income for individual coverage. Group policies through employers may have lower costs. Costs depend on your age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Pensacola
Disability insurance agents in Pensacola Florida help individuals and businesses find income protection policies. Florida law requires agents to hold a valid state license and follow strict disclosure rules. Local agents understand the unique risks in the Gulf Coast region including hurricane-related disruptions.
Frequently Asked Questions
What does a disability insurance agent in Pensacola do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They assist with applications and can answer questions about Florida-specific policy provisions. They do not provide legal advice or handle claims disputes.
Are there Florida laws that affect disability insurance policies?
Yes Florida Statute 627.667 governs disability insurance policies in the state. It requires a 30 day grace period for premium payments and sets minimum standards for policy renewability. Agents must explain these terms to clients.
How do I choose a disability insurance agent in Pensacola?
Look for an agent licensed with the Florida Department of Financial Services. Ask about their experience with disability policies and whether they work with multiple insurance carriers. Check for any complaints through the Florida DFS website.
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