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Directory of disability insurance agents in Charlotte, North Carolina. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Charlotte, NC
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of North Carolina before hiring.
Showing 20 disability insurance agents in Charlotte, NC
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Health Plans of NC
4350 Congress St UNIT 300, Charlotte, NC 28209
(800) 797-0327
healthplansofnc.com
CAP Insurance Group
1524 E Morehead St Suite 300, Charlotte, NC 28207
(704) 540-4200
capinsurancegroup.com
Laurie Insurance Group
2701 Coltsgate Rd Suite 100, Charlotte, NC 28211
(704) 342-2886
laurieinsurancegroup.com
Pegram Insurance
2701 Coltsgate Rd STE 101, Charlotte, NC 28211
(704) 494-9495
pegramonline.com
Latorre Insurance
124 N McDowell St, Charlotte, NC 28204
(704) 566-8181
latorreinsurance.com
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd Suite B, Charlotte, NC 28273
(704) 595-3429
O'Connor Insurance Associates, Inc.
1973 J N Pease Pl #203, Charlotte, NC 28262
(704) 510-8884
oianc.com
Superior Insurance Of Charlotte
6914 Matthews-Mint Hill Rd #150, Charlotte, NC 28227
Disability insurance agents in Charlotte, North Carolina assist residents with obtaining and managing disability income protection. North Carolina law does not mandate private disability insurance, but agents can help navigate policies governed by state contract law and ERISA for employer plans. Charlotte agents often work with professionals in banking, healthcare, and technology sectors common to the region.
What Does a Disability Insurance Agent in Charlotte Cost?
Disability insurance agent services in Charlotte typically cost nothing upfront because agents earn commissions from insurance carriers. Premiums for individual policies in North Carolina range from 1% to 3% of your annual income, depending on age, health, occupation, and benefit terms. Group policies through employers often have lower premiums. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Charlotte do?
A disability insurance agent helps you find and apply for individual or group disability policies. They also assist with policy reviews, claims filing, and understanding benefit terms specific to North Carolina regulations.
How is disability insurance regulated in North Carolina?
Disability insurance in North Carolina is regulated by the North Carolina Department of Insurance. Policies must comply with state contract laws, and employer-provided plans are subject to federal ERISA rules.
Can a Charlotte agent help with an existing disability claim?
Yes, many agents assist with existing claims by reviewing policy language and coordinating with insurers. However, for denied claims or appeals, you may need a disability insurance attorney for legal representation.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of North Carolina.