The top-rated disability insurance agent in Kailua-Kona, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 110 reviews. Other highly rated options include Matt DeMille - State Farm Insurance Agent, Lance Matsumura - State Farm Insurance Agent, Aloha Insurance Services Inc. This directory lists 13 disability insurance agents serving Kailua-Kona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 75-167 Hualalai Rd Ste 101 | (808) 326-1125 |
| 2 | Matt DeMille - State Farm Insurance Agent | Hale Ku'i Plaza, 73-4976 Kamanu St #201 | (808) 331-1113 |
| 3 | Lance Matsumura - State Farm Insurance Agent | 75-240 Nani Kailua Dr APT 12 | — |
| 4 | Aloha Insurance Services Inc | 75-5931 Walua Rd #100 | (808) 334-0044 |
| 5 | Liberty Insurance Agency | 75-5586 Ololi Rd | (808) 515-6427 |
| 6 | Keinnen Kato - State Farm Insurance Agent | 75-5722 Kuakini Hwy # 210 | (808) 327-5433 |
| 7 | Atlas Insurance Agency | 75-167E Hualalai Rd | (808) 329-4844 |
| 8 | Paradise Insurance LLC | 74-5620 Palani Rd #205 | (808) 315-7207 |
| 9 | Hoku Insurance LLC | 75-170 Hualalai Rd ste a100 | (808) 809-7670 |
| 10 | Senior Benefits Consultants - Big Island | 71-1744 Puu Kamanu Loop | (808) 895-1185 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo area, offering disability insurance for local residents. This agency helps individuals secure coverage that provides income protection if an illness or injury prevents them from working. Policies are designed to replace a portion of lost earnings during recovery. The team can guide clients through options for short-term and long-term disability plans, tailoring solutions to various occupations and financial needs. It also assists customers with applying for personal disability coverage and coordinating benefits with employer-provided plans.
Matt DeMille - State Farm Insurance Agent in Kailua-Kona, HI provides disability insurance agent services to help clients protect their income in the event of illness or injury. The agency offers ongoing service through policy reviews and claim support, ensuring clients understand their coverage options and any changes in needs. This local office serves single-family homes, apartments, retail establishments, and restaurants seeking financial protection for their owners and employees.
Aloha Insurance Services Inc assists homeowners, business owners, and self-employed professionals on the Big Island by offering disability insurance agent services in Kailua-Kona, HI. The firm helps clients select policies that provide income protection in the event of illness or injury. It evaluates individual financial situations to recommend appropriate coverage limits and policy terms. Understanding the local economy and its reliance on tourism and small businesses, the agency tailors its guidance accordingly. Its service area also extends to the neighboring community of Keauhou and the greater South Kona district.
As a disability insurance agent in Kailua-Kona, Liberty Insurance Agency offers services centered on securing income protection policies and advising on long-term coverage options. It helps local professionals and self-employed individuals understand how disability insurance can safeguard their financial stability during unexpected illness or injury. The agency provides general guidance on policy selection and coordinates with clients to match coverage with their specific occupational needs. When the rainy season brings increased slip-and-fall hazards on the Big Island, the agency assists with adjusting plans to address new income protection concerns.
Keinnen Kato - State Farm Insurance Agent serves Kailua-Kona and the surrounding communities on the Big Island of Hawaii, handling disability insurance policies designed to protect income if an illness or injury prevents work. The agency assists clients in understanding how short-term and long-term disability coverage can replace a portion of lost earnings. Keinnen Kato takes a consultative approach, working one-on-one to review individual needs and present coverage options that fit the client’s specific occupation and financial situation.
On the Big Island, seasonal shifts in tourism and agriculture often create gaps in income, making reliable disability insurance a practical concern for local workers. Atlas Insurance Agency in Kailua-Kona responds by guiding clients through coverage options tailored to their specific employment situations. Their process begins with a straightforward assessment of each individual’s current earnings and potential risks, followed by a review of appropriate policy features. This initial consultation ensures the client understands how benefits would function during an unexpected illness or injury.
Paradise Insurance LLC offers one-time consultation services or ongoing policy management, each tailored to help clients select coverage that protects income against injury or illness. As a disability insurance agent in Kailua-Kona, the company guides individuals through policy options that replace lost wages when a medical condition prevents work. Services are provided on an as-needed basis, supporting clients when they initially choose policies or later need to adjust coverage after life changes.
Hoku Insurance LLC is a disability insurance agent operating in Kailua-Kona, Hawaii, and assisting local professionals with income protection planning. The agency specializes in helping clients understand policy options that replace a portion of their earnings if illness or injury prevents them from working. Its representatives guide individuals and business owners through the selection of suitable coverage amounts and waiting periods. Commercial clients commonly served include small offices, warehouses, and food service establishments that wish to offer disability benefits to their employees.
Senior Benefits Consultants - Big Island serves residents across Kailua-Kona and the broader Big Island area, offering disability insurance coverage tailored to individual needs. The company also advises local businesses on commercial disability policies, ensuring continuity for employees and operations alike. Drawing upon established industry practices, the firm guides clients through plan selection and application. Agents regularly follow up with policyholders to review coverage adjustments between scheduled visits, maintaining ongoing service and support for long-term income protection needs.
What Does a a Disability Insurance Agent in Kailua-Kona Cost?
Disability insurance premiums in Hawaii vary based on age, health, occupation, and benefit amount. Typical individual policies cost between 1% and 3% of annual income. For a 40 year old earning 50000 per year, a policy might cost 500 to 1500 annually. Group plans through employers are often cheaper. This is general information and not insurance advice.
About disability insurance agents in Kailua-Kona
Disability insurance agents in Kailua-Kona help residents and workers on the Big Island secure income protection plans. Hawaii law requires employers to provide temporary disability insurance (TDI) for non-exempt employees under Chapter 392 of the Hawaii Revised Statutes. An agent can guide you through private policies that supplement state-mandated coverage.
Frequently Asked Questions
What does a disability insurance agent in Kailua-Kona do?
An agent helps you compare and purchase disability insurance policies from different carriers. They explain policy terms, waiting periods, and benefit amounts. They can also assist with filing claims and understanding Hawaii TDI requirements.
Is disability insurance required in Hawaii?
Yes, Hawaii requires employers to provide temporary disability insurance for most employees under HRS Chapter 392. This covers non-work related injuries or illnesses. Private policies can supplement this base coverage for longer or more comprehensive benefits.
How do I choose a disability insurance agent in Kailua-Kona?
Look for an agent licensed in Hawaii with experience in individual and group disability policies. Ask about their familiarity with local employers and Hawaii TDI rules. Check their reputation with the Hawaii Department of Commerce and Consumer Affairs.