The top-rated disability insurance agent in Falmouth, Massachusetts is Arthur D. Calfee Insurance Agency, Inc, rated 4.8 stars across 288 reviews. Other highly rated options include Murray & MacDonald Insurance Services Inc, The Baldwin Group (formerly RogersGray), Almeida & Carlson Insurance Agency. This directory lists 12 disability insurance agents serving Falmouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Arthur D. Calfee Insurance Agency, Inc | 336 Gifford St | (508) 540-2601 |
| 2 | Murray & MacDonald Insurance Services Inc | 406 Jones Rd | (800) 800-8990 |
| 3 | The Baldwin Group (formerly RogersGray) | 763 Main St | (508) 548-2500 |
| 4 | Almeida & Carlson Insurance Agency | 79 Davis Straits | (508) 540-6161 |
| 5 | Additional Insurance MA | 336 Gifford St | (508) 205-9521 |
| 6 | Bridges Insurance Group / Lawrence-Carlin Insurance | 230 Jones Rd | (508) 540-7100 |
| 7 | Peggy Vose | 230 Main St Unit 8 | (508) 494-4056 |
| 8 | Safety Northeast Insurance Agency, Inc. | 194 Worcester Ct | (508) 548-1148 |
| 9 | Great Harbor Benefits | 101 Town Hall Square | (508) 540-7940 |
| 10 | Dfm Insurance | 668 Main St UNIT 201 | (508) 540-4555 |
Arthur D. Calfee Insurance Agency, Inc serves the greater Falmouth, Massachusetts area as a local disability insurance agent. It provides expertise in assessing income protection needs for individuals and business owners. These policies help replace lost earnings if a client cannot work due to injury or illness. The agency also guides clients through the specific policy features and coverage limits relevant to their occupation and lifestyle. It regularly handles both short-term and long-term disability insurance arrangements.
Murray & MacDonald Insurance Services Inc in Falmouth, MA helps individuals and families select disability insurance policies that provide income protection if they become unable to work. Its service plans include reviewing existing coverage to identify gaps and simplifying the application process. The company also maintains client files for easy annual policy checks and updates. It serves a range of property types, including single-family homes, apartments, retail establishments, and restaurants.
The Baldwin Group, formerly RogersGray, serves homeowners, businesses, and professionals in Falmouth who need income protection coverage. As a disability insurance agent, the company provides access to policies that replace a portion of lost earnings if injury or illness prevents work. Clients work with an agent who evaluates their particular occupation and income level to find suitable short-term or long-term plans. The firm also serves clients throughout neighboring communities in Barnstable County and across Cape Cod.
Almeida & Carlson Insurance Agency serves the Falmouth, Massachusetts area and surrounding Cape Cod communities. It handles disability insurance policies designed to replace a portion of lost income when a client cannot work due to illness or injury. The agency evaluates each individual’s occupation and specific coverage needs. It works with clients to compare policy features from different carriers. Its typical approach involves explaining policy terms, exclusions, and benefit periods, then guiding the client to select a plan that fits their financial situation and risk tolerance.
Additional Insurance MA in Falmouth offers disability insurance agents who distinguish between one-time policy reviews and recurring consultation services for ongoing coverage adjustments. They assist clients in assessing income protection needs through employer plans or individual policies tailored to local occupational risks. Service arrangements operate on a one-time, scheduled, or as-needed basis, allowing clients to choose based on their immediate or long-term planning requirements.
Bridges Insurance Group / Lawrence-Carlin Insurance in Falmouth, Massachusetts, provides specialized disability insurance agent services, focusing on income protection policies to safeguard clients financially. It also offers general risk assessment and assistance navigating complex disability coverage options for individuals and local businesses. The agency reviews existing plans and advises on policy adjustments to meet changing personal or professional needs. It frequently helps workers transitioning between jobs to ensure continuous disability coverage without gaps during career changes.
As winter storms and nor’easters sweep across Cape Cod, residents in Falmouth often face unexpected time away from work. Peggy Vose helps local professionals and small-business owners prepare for such disruptions by guiding them through the options for disability insurance protection. The agent takes time to understand each client’s specific occupation and income needs before presenting suitable policy choices. An initial no-obligation consultation is scheduled to review a client’s current coverage and financial picture.
Serving residents of Falmouth, Massachusetts, Safety Northeast Insurance Agency, Inc. provides disability insurance for individuals seeking income protection. The agency also handles commercial disability coverage for local businesses that require policy options for their employees. Service extends across Falmouth and the surrounding Cape Cod communities. An initial consultation helps clients review potential disability scenarios and policy terms. After settling on a suitable plan, coverage is implemented with clear documentation. The agency then maintains contact to review changing needs or adjust coverage between regular check-ins.
Great Harbor Benefits works with individuals and businesses throughout Falmouth, Massachusetts, to help secure income protection plans. The firm focuses specifically on disability insurance, offering policies that replace a portion of lost wages if illness or injury prevents work. This specialty covers both short-term and long-term coverage needs. The agency’s services are available to a variety of commercial sectors, including local offices, warehouses, and food service operations.
Dfm Insurance serves residential clients in Falmouth, helping individuals secure disability income protection during illness or injury. The agency also provides commercial coverage for local businesses seeking to safeguard their workforce. Service extends throughout the greater Cape Cod region, connecting policyholders with suitable plans from major carriers. Following an initial consultation and policy setup, the agent typically schedules annual reviews or check-ins between regular visits to adjust coverage as personal or business circumstances evolve.
What Does a a Disability Insurance Agent in Falmouth Cost?
Disability insurance agent services in Massachusetts are typically paid through commissions from the insurance carrier, not directly by you. Policy premiums vary widely based on age, health, occupation, and benefit amount. A typical individual policy might cost 1% to 3% of your annual income per year. Group plans through employers are often subsidized. This is general information, not insurance advice.
About disability insurance agents in Falmouth
Disability insurance agents in Falmouth, Massachusetts help residents find coverage that meets their needs. Massachusetts law requires certain employers to offer group disability insurance under M.G.L. c. 152. Agents can guide you through policy options and claims processes specific to the Cape Cod area.
Frequently Asked Questions
What does a disability insurance agent in Falmouth do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit terms, elimination periods, and state-specific rules. They do not provide legal advice or represent you in claims disputes.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to have disability insurance. However, employers with six or more employees must provide workers compensation coverage under M.G.L. c. 152. Private disability insurance is optional but recommended for income protection.
How do I choose a disability insurance agent in Falmouth?
Look for an agent licensed in Massachusetts with experience in disability policies. Ask about their knowledge of local insurers and state regulations. Verify their license through the Massachusetts Division of Insurance website.