The top-rated disability insurance agent in North Andover, Massachusetts is MTM Insurance Associates, LLC, rated 4.9 stars across 93 reviews. Other highly rated options include MTMBrainerd INC., Benefit Advisors Group, Durso & Jankowski Insurance. This directory lists 16 disability insurance agents serving North Andover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MTM Insurance Associates, LLC | 1320 Osgood St | (978) 681-5700 |
| 2 | MTMBrainerd INC. | 1320 Osgood St | (978) 681-5700 |
| 3 | Benefit Advisors Group | 800 Turnpike St #300 | (978) 494-6611 |
| 4 | Durso & Jankowski Insurance | 11 Saunders St | (978) 688-7000 |
| 5 | Kurt Wicks: Allstate Insurance | 1211 Osgood St Ste 3a | (978) 984-5640 |
| 6 | MacDonald & Pangione Insurance Agency | 104 Main St | (978) 688-6921 |
| 7 | Perry Insurance Agency, LLC. | 857 Turnpike St | (978) 685-7690 |
| 8 | Prime Insurance Services, Inc. | 401 Andover St suite 201 a | (978) 685-9999 |
| 9 | MP Roberts Insurance Agency | 1060 Osgood St | (978) 683-8073 |
| 10 | Acrisure North Andover, MA (Foster Sullivan Insurance Group) | 163 Main St | (978) 686-2266 |
MTM Insurance Associates, LLC serves the Merrimack Valley and surrounding communities from its North Andover, MA location. This agency specializes in helping clients secure disability insurance coverage to protect their income during illness or injury. It works with individuals and professionals to find plans that match their specific financial needs. The company also assists local business owners in implementing group disability policies for their employees, helping to ensure workforce stability and financial security through these critical benefits.
MTM Brainerd INC. offers a full range of disability insurance agent services, including helping clients select and enroll in short-term, long-term, and employer-sponsored disability policies in the North Andover, MA area. Its service approach focuses on personalized needs assessments and thorough guidance through claim documentation and application procedures. Ongoing maintenance support includes policy reviews for life changes and assistance with renewing or modifying existing coverage. The company services single-family homes, apartments, retail, and restaurants.
Benefit Advisors Group serves North Andover homeowners, businesses, and property managers seeking disability income protection. The company guides clients through the process of choosing individual or group disability insurance policies that can replace lost earnings during an illness or injury. Agents explain how benefit periods, elimination periods, and own-occupation definitions affect coverage. They also help local employers structure short‑ and long‑term disability plans for their workforce. Benefit Advisors Group additionally assists residents in the neighboring towns of Andover, Lawrence, and Methuen with the same services.
Serving North Andover, Massachusetts, and surrounding Merrimack Valley communities, Durso & Jankowski Insurance handles disability insurance for area residents and local businesses. The firm guides clients through policy options that replace income when illness or injury prevents working. It addresses both short-term and long-term disability needs. To manage each case, the company reviews a client's occupation, income, and existing coverage before recommending suitable policy structures.
Kurt Wicks: Allstate Insurance in North Andover, MA, distinguishes between initial one-time consultations and ongoing recurring service for disability insurance needs. This agency helps local professionals and self-employed residents understand the long-term coverage options that protect income if illness or injury prevents work. By explaining policy features and comparing benefit periods, the agent guides clients toward a suitable plan for their financial situation. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s choice.
MacDonald & Pangione Insurance Agency specializes in securing disability income protection policies for professionals and self-employed individuals. The company provides thorough guidance on long-term and short-term coverage options available to residents of North Andover, MA. Its agents help clients evaluate policy features like benefit periods and elimination periods. As tax season approaches, the agency often assists local small business owners in coordinating disability insurance with their quarterly financial planning to protect against income loss from injury or illness.
As North Andover residents navigate the challenges of protecting their income following an illness or injury, many seek reliable guidance. Perry Insurance Agency, LLC, serves this community by focusing exclusively on disability insurance agent work. The firm helps clients understand coverage options that replace lost wages when a medical condition prevents work. Each consultation explores individual needs, workplace benefits, and potential gaps in existing policies. The process typically begins with an initial in-person or virtual assessment of a client's employment situation and financial obligations.
Prime Insurance Services, Inc. provides residential disability insurance coverage to individuals living in the North Andover, MA area. The agency also assists commercial clients in the region with securing disability policies for business protection. By focusing on the specific needs of local residents and employers, the company helps ensure financial stability during periods of unexpected illness or injury. Clients can return for policy reviews or updates between regular annual visits to adjust coverage as their personal or professional circumstances change.
MP Roberts Insurance Agency in North Andover, MA assists individuals and businesses in securing financial protection against the loss of income due to injury or illness. This local disability insurance agent works with clients to evaluate policy options that replace a portion of earned wages during a period of disability. Such coverage can help maintain household stability when the primary earner is unable to work. The agency serves commercial operations including professional offices, warehouses, and food service establishments.
Acrisure North Andover, MA (Foster Sullivan Insurance Group) is known for helping individuals and businesses navigate disability insurance options to protect their income. The agency serves clients across the local area, offering guidance on policy selection and coverage needs. Consultants assess each client’s situation and explain how different plans address lost wages due to illness or injury. A specialty service this company can add on is coordinating individual disability policies with existing employer-provided group benefits.
What Does a a Disability Insurance Agent in North Andover Cost?
Disability insurance agent services in Massachusetts are typically paid through commissions from the insurance carrier, so there is usually no direct fee to you. Policy premiums vary widely based on age, health, occupation, and benefit amount. For example, a 40 year old office worker might pay 1 to 3 percent of their annual income for a policy. Costs can be higher for manual labor jobs or if you have health conditions. This is general information, not insurance advice.
About disability insurance agents in North Andover
Disability insurance agents in North Andover, Massachusetts help individuals and businesses find coverage that protects income if you cannot work. Massachusetts law requires employers to provide short-term disability through the Paid Family and Medical Leave program which started in 2021. A local agent can explain how private policies supplement this state benefit.
Frequently Asked Questions
What does a disability insurance agent in North Andover do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms like elimination periods and benefit amounts. They also assist with filing claims and understanding Massachusetts PFML rules.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However, most employers must provide PFML benefits through payroll deductions. A North Andover agent can help you decide if a private policy is right for you.
How long does it take to get a disability insurance policy in North Andover?
The application process usually takes 2 to 6 weeks. Underwriting reviews your health and occupation. Some policies have a 30 day waiting period before benefits start.