The top-rated disability insurance agent in Lake Charles, Louisiana is Hight-Doland Agency: Allstate Insurance, rated 4.9 stars across 309 reviews. Other highly rated options include Kelly Lee Insurance, Goosehead Insurance - James Bice, Goosehead Insurance - Jeff Jones. This directory lists 20 disability insurance agents serving Lake Charles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Hight-Doland Agency: Allstate Insurance | 3405 Lake St | (337) 474-2020 |
| 2 | Kelly Lee Insurance | 3205 Ryan St | (337) 656-2890 |
| 3 | Goosehead Insurance - James Bice | 417 W College St | (337) 313-2603 |
| 4 | Goosehead Insurance - Jeff Jones | 4216 Lake St | (225) 960-4370 |
| 5 | Scotty Mathews Ins Agcy Inc | 4640 Nelson Rd | (337) 474-0865 |
| 6 | Insurance Unlimited | 3111 Ryan St | (337) 477-6922 |
| 7 | Gulf South Benefits | 328 W Sale Rd | (337) 656-3256 |
| 8 | Curtis Insurance | 509 7th St | (337) 433-1683 |
| 9 | Chris Duncan Agency Inc | 502 E College St | (337) 625-7090 |
| 10 | Ratliff-Myers Insurance | 3311 Ernest St | (337) 433-1000 |
Hight-Doland Agency: Allstate Insurance serves the Lake Charles, Louisiana metro area, specializing in disability insurance agent services. The agency assists individuals in obtaining coverage that can replace a portion of income if an illness or injury prevents them from working, protecting financial stability. Professionals and self-employed workers in the region often seek policies that align with their specific occupations. The office handles both short-term and long-term disability insurance plans to address varied income protection needs.
Serving Lake Charles and the surrounding region, Kelly Lee Insurance provides disability insurance services to help individuals protect their income against unforeseen medical conditions. The company offers personalized policy options that assess current financial needs to select appropriate coverage, with ongoing maintenance consultations to adjust plans as circumstances change over a client’s career. Property types serviced include single-family homes and small residential rental units, as well as retail storefronts and local restaurants requiring owner coverage.
Goosehead Insurance - James Bice serves local homeowners, business owners, and property managers in Lake Charles, Louisiana, by helping them secure disability insurance coverage. This agency works with individuals and self-employed professionals to find policies that replace lost income if an injury or illness prevents them from working. Disability income protection services are tailored to support clients through financial uncertainty during recovery. The agency also extends its comprehensive insurance services to nearby communities such as Sulphur and the wider Calcasieu Parish area.
Goosehead Insurance - Jeff Jones serves Lake Charles and the surrounding communities of southwest Louisiana, handling disability insurance policies for area residents. The agency helps clients understand how disability coverage can protect income during unexpected health challenges. Jeff Jones works with individuals to explain policy options that fit varying needs and budgets. Each consultation begins with a thorough review of the client's current financial situation and employment circumstances, then proceeds to identify suitable coverage from available plans.
Located in Lake Charles, Louisiana, Scotty Mathews Ins Agcy Inc provides disability insurance agent services that may be offered on either an one-time consultation or recurring advisory arrangement. Their work focuses on helping clients secure disability income protection tailored to individual needs, covering gaps that standard health plans often leave. The agency operates on an as-needed basis, with the flexibility to adjust support as clients’ circumstances evolve over time.
Insurance Unlimited in Lake Charles, LA, specializes in helping individuals secure long-term disability coverage to protect their income. It also works with clients to understand and compare short-term disability policies that meet their specific needs. The agency assists in reviewing existing policy details to clarify benefit structures and exclusions. For residents of Lake Charles facing seasonal hurricane disruptions or temporary work shutdowns, it provides guidance on filing disability claims during unexpected periods of lost wages.
Gulf South Benefits serves Lake Charles residents and local homeowners seeking disability income protection when illness or injury prevents work. Commercial coverage extends to businesses in the surrounding Southwest Louisiana area, helping employers secure group disability plans for their teams. Their practice focuses on explaining policy details clearly and matching clients with appropriate short-term or long-term options from multiple carriers. After an initial policy is set, they provide ongoing support by reviewing coverage during life changes or at regular intervals, following up to adjust plans as needed.
Cold and flu season often brings a spike in concerns about income loss due to illness in Lake Charles. Curtis Insurance responds by helping local residents understand how disability policies can provide financial protection during recovery. They explain the distinctions between short-term and long-term coverage tailored for workers in the region. Their process involves reviewing an individual's current employment benefits before recommending options. A new client typically begins with a free initial assessment of their monthly expenses and income needs to identify appropriate coverage limits.
Chris Duncan Agency Inc provides disability insurance solutions for individuals and families in Lake Charles, Louisiana. The agency specializes in income protection policies that replace wages when illness or injury prevents work. It also offers supplemental coverage options designed to address gaps in group plans or government benefits. These policies can be tailored for various work environments, including offices, warehouses, and food service operations, helping to ensure financial stability across diverse occupational settings.
What Does a a Disability Insurance Agent in Lake Charles Cost?
Disability insurance agent services in Louisiana typically cost nothing upfront as agents earn commissions from insurance companies. Policy premiums vary widely from 1% to 3% of your annual income for individual coverage. Group plans through employers often cost less. Costs depend on your occupation health history and benefit amount. This is general information not insurance advice.
About disability insurance agents in Lake Charles
Disability insurance agents in Lake Charles Louisiana help individuals and businesses secure income protection plans. These agents guide clients through Louisiana specific rules such as the 30 day time limit for filing a claim under state law. Working with a local agent ensures you understand policy terms and the claims process for your area.
Frequently Asked Questions
What does a disability insurance agent in Lake Charles do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain policy features and assist with claims. In Louisiana agents must be licensed by the state Department of Insurance.
How long do I have to file a disability claim in Louisiana?
Louisiana law requires you to file a disability claim within 30 days of becoming disabled. You must also provide proof of loss within 90 days. An agent can help you meet these deadlines.
Can a disability insurance agent help with an appeal in Lake Charles?
Yes many agents assist with the appeals process if your claim is denied. They review your policy and help gather medical evidence. Louisiana law allows you to appeal a denial within 180 days.
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