The top-rated disability insurance agent in Lowell, Massachusetts is AAA Lowell, rated 4.4 stars across 414 reviews. Other highly rated options include A-Affordable Insurance Agency, Inc., Monica Insurance Agency Inc, Mill City Insurance Inc. This directory lists 24 disability insurance agents serving Lowell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Lowell | 585 Pawtucket Blvd | (978) 937-3061 |
| 2 | A-Affordable Insurance Agency, Inc. | 850 Chelmsford St | (978) 970-1500 |
| 3 | Monica Insurance Agency Inc | 11 Mill St | (978) 454-2577 |
| 4 | Mill City Insurance Inc | 493 Westford St | (978) 441-0005 |
| 5 | Paul A. Balakin Insurance | 81 Plain St #1 | (978) 441-3003 |
| 6 | Francis E. Provencher Insurance | 530 Rogers St | (978) 459-8681 |
| 7 | KK Insurance Agency, Inc. | 508 Westford St | (978) 970-2212 |
| 8 | Alpha Insurance | 648 Central St | (978) 459-4547 |
| 9 | Angela Westen Insurance | 543 Rogers St | (978) 735-4094 |
| 10 | I-insurance Group Inc | 799 Gorham St A | (978) 645-6996 |
AAA Lowell serves the Greater Lowell area, including Middlesex County, providing disability insurance agent services to local residents and businesses. The company specializes in helping clients understand and compare disability insurance options tailored to individual needs. It assists with both short-term and long-term disability coverage. For self-employed individuals, AAA Lowell handles business overhead expense insurance designed to protect company finances during a disability.
A-Affordable Insurance Agency, Inc. serves residential clients in the Lowell area who seek disability income protection. The agency also provides commercial coverage for local businesses needing group or individual disability policies for their employees. Its service area includes Lowell and the surrounding communities in northeastern Massachusetts. Coverages are designed to provide a portion of income if an injury or illness prevents work, a common concern for both households and employers. The agency facilitates follow-up and repeat service between regular policy reviews and life changes.
Monica Insurance Agency Inc in Lowell, MA serves homeowners and businesses seeking financial protection against income loss due to injury or illness. The agency assists clients in navigating disability insurance options, helping to secure policies that replace a portion of lost wages during recovery. It also works with property managers to ensure employee coverage aligns with operational needs. Serving the greater Merrimack Valley, the agency additionally covers neighboring communities such as Chelmsford, Massachusetts.
Mill City Insurance Inc provides disability insurance agent services to individuals and businesses in the Lowell, Massachusetts area. It offers initial consultation to assess income protection needs and ongoing policy reviews to help adjust coverage as circumstances evolve. Its service plans include simple annual benefit checks and support during claim filing. The company assists with policies that replace lost earnings during illness or injury. It services local single-family homeowners, apartment residents, retail shops, and restaurants seeking to safeguard their financial stability.
Paul A. Balakin Insurance in Lowell, MA assists clients in understanding the critical difference between group disability policies, which typically offer standardized, one-time benefit options, and individual plans, which provide recurring or adjustable coverage designed to protect a specific portion of earned income over time. Service appointments can be scheduled on an as-needed basis to address changes in employment or healthcare needs.
Serving Lowell, Massachusetts, and the surrounding communities, Francis E. Provencher Insurance specializes in disability insurance agent services for local residents. It handles the process of helping individuals select and secure disability coverage policies to protect their income during periods of illness or injury. A typical job begins with an assessment of the client’s occupational risks and financial obligations, followed by a review of available plans from various carriers. The agent then presents options and coordinates any necessary medical underwriting requirements.
KK Insurance Agency, Inc. in Lowell, Massachusetts specializes in helping clients navigate the complexities of disability income protection. Its general services include evaluating individual policy options and coordinating coverage with existing employer benefits. The agency assists professionals in planning for unforeseen interruptions to their livelihood. As tax season approaches, the firm can help self-employed individuals and small business owners structure disability policies to maintain income stability during periods of medical leave or recovery.
As winter approaches in Lowell, many workers worry about protecting their income during the cold-weather months when slips and illnesses increase. Alpha Insurance offers disability insurance agent services to help local residents secure financial stability if an injury or medical condition prevents them from working. An agent from the company works directly with each client to review their current coverage gaps and identify a suitable policy for their specific occupation and lifestyle. The process begins with a free initial consultation to evaluate an individual’s financial needs.
Angela Westen Insurance operates as a disability insurance agent serving the Lowell, Massachusetts area. The company helps individuals and businesses secure income protection coverage in the event of illness or injury that prevents work. Its specialty services include designing policies that replace lost wages and planning for short-term or long-term disability needs. Angela Westen Insurance can serve a range of commercial sectors, including local offices, warehouses, and food service operations that require employee benefit packages.
I-insurance Group Inc provides disability insurance services to residents in and around the Greater Lowell, Massachusetts area. The agency also arranges commercial disability coverage for local small businesses that need to protect their key employees. Their work involves explaining policy options and helping clients document medical conditions to secure income protection. After an initial sale, the office schedules follow-up meetings to adjust coverage as clients’ careers and health change between regular annual visits.
What Does a a Disability Insurance Agent in Lowell Cost?
The cost of disability insurance in Massachusetts typically ranges from 1% to 3% of your annual income. For a 35 year old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Factors like age, health, occupation, and benefit amount affect the premium. This is general information, not insurance advice.
About disability insurance agents in Lowell
Disability insurance agents in Lowell Massachusetts help individuals and businesses find coverage that protects income if you cannot work. Massachusetts state law requires employers to provide short-term disability coverage through the Paid Family and Medical Leave program. An agent can explain how private policies work alongside these state benefits.
Frequently Asked Questions
What does a disability insurance agent in Lowell do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms such as elimination periods and benefit amounts. They also assist with filing claims and understanding Massachusetts PFML rules.
How is Massachusetts disability insurance different from other states?
Massachusetts has a mandatory Paid Family and Medical Leave program that provides partial wage replacement. Private disability insurance can supplement this state benefit. An agent can help you coordinate private coverage with the state program.
What should I look for in a disability insurance policy in Lowell?
Look for a policy with a definition of disability that matches your occupation. Check the elimination period which is the waiting time before benefits start. Also review the benefit period and any exclusions for pre-existing conditions.