The top-rated disability insurance agent in St Cloud, Florida is Client Care Insurance, rated 4.9 stars across 198 reviews. Other highly rated options include Dolly Clements Garcia - State Farm Insurance Agent, Ford Insurance, Amsley Insurance Services. This directory lists 15 disability insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Client Care Insurance | 2001 Hickory Tree Rd | (407) 574-5599 |
| 2 | Dolly Clements Garcia - State Farm Insurance Agent | 1101 New York Ave | (407) 556-3203 |
| 3 | Ford Insurance | 113 E 13th St | (407) 847-5892 |
| 4 | Amsley Insurance Services | 1617 13th St | (407) 892-9645 |
| 5 | Advantage Insurance Advisors - St. Cloud | 910 13th St | (321) 945-8153 |
| 6 | Barakat Insurance Agency | 2722 13th St | (407) 705-3877 |
| 7 | Central Care Insurance | 3415 Perching Rd | (833) 339-6434 |
| 8 | Ashton Insurance Agency LLC | 123 E 13th St | (407) 498-4477 |
| 9 | Wlendys Lastreto Insurance Agent | 2657 Starry Pt | (407) 225-1870 |
| 10 | Horizonte Group | 139 E 13th St | (888) 488-2550 |
Client Care Insurance provides services as a disability insurance agent in the St Cloud, Florida area. It assists clients in understanding and selecting policies that offer income protection in the event of illness or injury. After a policy is issued, the agency offers ongoing support for filing claims and making policy adjustments. It services individuals and business owners, including those who own single-family homes, apartments, retail shops, and restaurants.
Dolly Clements Garcia - State Farm Insurance Agent in St. Cloud, FL, provides disability insurance agent services, including assisting clients with income protection policies and explaining coverage options for loss of earnings. The office handles the application process, policy reviews, and claims support to help individuals maintain financial stability during illness or injury. Its service and maintenance plans involve ongoing consultation to adjust coverage as needs change. The agency services single-family homes, apartments, retail, and restaurants.
Ford Insurance serves homeowners, business owners, and property managers in St. Cloud, Florida, who need to protect their income against unexpected disabilities. The agency helps clients navigate disability insurance policies designed to replace lost earnings when illness or injury prevents work. Working with individuals and local companies, it focuses on matching coverage options to each customer’s occupation and financial situation. The agency also extends its services to residents and businesses in the Kissimmee area of the greater Orlando metro.
Amsley Insurance Services serves the St Cloud, Florida area and surrounding communities, specializing in disability insurance agent services. The company helps clients understand and navigate the complexities of disability coverage. It assists individuals in evaluating policies designed to protect income during periods of illness or injury. The agent typically takes a consultative approach, working closely with each client to assess personal financial needs and explain policy features before recommending a suitable plan.
Advantage Insurance Advisors - St. Cloud assists clients in distinguishing between one-time policy purchases and recurring premium-based coverage plans. The agency focuses on disability insurance, providing financial protection for local residents who are unable to work due to illness or injury. They work with individuals to understand coverage needs and available policy terms. Service arrangements are flexible, with consultations and support available on a one-time, scheduled, or as-needed basis for ongoing policy management and adjustments.
Specializing in individual disability income protection and business overhead expense coverage, Barakat Insurance Agency serves St Cloud, Florida clients seeking to replace lost wages during illness or injury. It generally assists professionals and local employees by evaluating personal income risks and structuring policies that maintain financial stability. When seasonal storms or unpredictable health events threaten consistent earnings, the agency helps residents secure plans that cover mortgage payments and essential living expenses during the recovery period.
In Central Florida, where seasonal storms and shifting employment often interrupt income, securing disability coverage becomes a practical priority for many residents. Central Care Insurance in St. Cloud serves as a local resource for those seeking disability insurance agent services to protect their earnings during illness or injury. The team assesses each client’s occupation and lifestyle to recommend appropriate policy options. A straightforward initial consultation reviews current coverage gaps before outlining any necessary application steps.
Ashton Insurance Agency LLC works with individuals and businesses in St Cloud, FL to provide financial protection through disability insurance products. The agency specializes in plans that replace a portion of income when a person cannot work due to illness or injury. These policies are designed to help clients maintain financial stability during recovery. The agency can serve the coverage needs of professionals working in various commercial sectors, including offices, warehouses, and food service environments.
Wlendys Lastreto Insurance Agent provides disability insurance services to residential clients in St Cloud, Florida. Commercial coverage is also available for local businesses needing income protection for their employees. The agency serves policyholders throughout the greater St Cloud area. Each client’s unique situation is reviewed to help choose suitable benefits for lost income due to illness or injury. After an initial policy is put in place, the agent offers follow-up service and updates on coverage during regular visits to ensure the plan still meets changing needs.
Horizonte Group in St Cloud, FL, is known for guiding clients through the complexities of securing disability insurance coverage. The company serves individuals and professionals in the area by helping them evaluate income protection plans that suit their specific financial circumstances and employment situations. Its listings typically feature group and individual policy options from various carriers. For an added specialty, Horizonte Group often assists business owners with overhead expense policies to keep their operations running during a disability.
What Does a a Disability Insurance Agent in St Cloud Cost?
Disability insurance premiums in Florida typically range from 1% to 3% of your annual income. For a 40 year old earning 50000 per year, a policy might cost between 500 and 1500 annually. Costs depend on age, health, occupation, benefit amount, and waiting period. This is general information and not insurance advice.
About disability insurance agents in St Cloud
Disability insurance agents in St Cloud Florida help residents secure income protection for illness or injury. Florida law requires agents to be licensed by the state and follow specific disclosure rules. Working with a local agent can help you navigate Florida insurance regulations and choose a policy that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in St Cloud do?
A disability insurance agent helps you find and apply for policies that replace part of your income if you cannot work. They explain policy terms, exclusions, and benefit periods. They do not provide legal advice or handle claim disputes.
Are there Florida laws that affect disability insurance policies?
Yes. Florida Statute 627.667 requires that disability policies include a 30 day free look period. Florida also has a 2 year contestability period for misstatements on applications. Agents must follow these rules when selling policies.
How do I choose a disability insurance agent in St Cloud?
Look for an agent licensed in Florida with experience in disability coverage. Ask about their knowledge of Florida specific laws and policy options. You can verify a license through the Florida Department of Financial Services website.
Disability Insurance Agents in Other Florida Cities
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