The top-rated disability insurance agent in Durham, North Carolina is Salazar Insurance Agency & Latino Tax Corporation, rated 4.8 stars across 497 reviews. Other highly rated options include Leslie Robinson - State Farm Insurance Agent, Mike Embree Insurance Agency, The Insurance Pros. This directory lists 20 disability insurance agents serving Durham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Salazar Insurance Agency & Latino Tax Corporation | 1231 University Dr | (919) 797-0135 |
| 2 | Leslie Robinson - State Farm Insurance Agent | 5315 Highgate Dr Suite 101 | (919) 206-5096 |
| 3 | Mike Embree Insurance Agency | 3813 University Dr | (919) 489-7336 |
| 4 | The Insurance Pros | 1210 Cole Mill Rd STE 101 | (919) 294-6613 |
| 5 | ClearBenefits Group LLC | 2828 Pickett Rd #250 | (919) 493-4272 |
| 6 | All About Insurance - Durham | 2605 Guess Rd | (919) 479-8200 |
| 7 | Bowen Agency, Inc. | 2530 Meridian Pkwy Suite 300 | (919) 929-4222 |
| 8 | Herring & Bickers Insurance | 2344 Operations Dr #101 | (919) 479-9900 |
| 9 | SKW Insurance | 4130 Garrett Rd #418 | (919) 358-3835 |
| 10 | All About Insurance - Durham (University Dr) | 3604 University Dr | (919) 493-2911 |
Salazar Insurance Agency & Latino Tax Corporation serves Durham, North Carolina, as a disability insurance agent. This firm helps individuals and families in the area understand and select disability income protection policies. It assists clients in evaluating coverage options that replace a portion of lost earnings due to an injury or illness. The agency works with local residents to navigate policy details and application steps. Services include short-term disability insurance for temporary income gaps and long-term disability insurance for extended protection.
Leslie Robinson operates a disability insurance agency in Durham, North Carolina, offering income protection plans that replace a portion of lost wages when a client cannot work due to illness or injury. Ongoing service includes periodic policy reviews to adjust coverage as personal circumstances change and assistance when filing a disability claim. The firm helps both short-term and long-term coverage needs by explaining plan features. It services single-family homeowners, apartment renters, retail establishments, and local restaurants, tailoring policies to each property’s unique business and personal liability exposure.
Mike Embree Insurance Agency serves homeowners, businesses, and professionals in the Durham area who need to protect their income against unexpected illness or injury. As a dedicated disability insurance agent, the agency helps individuals and companies understand policy options that replace lost earnings when a client cannot work. Guidance is provided on both short-term and long-term disability coverages tailored to local employment needs. The firm also extends its disability insurance services to clients in nearby Chapel Hill and throughout the broader Triangle region.
The Insurance Pros serves clients in Durham, North Carolina, and the surrounding communities. The company handles disability insurance, helping individuals secure income protection for periods when a medical condition prevents them from working. It evaluates each client's specific occupation and income needs to identify suitable coverage options. The process involves clarifying policy terms regarding benefit periods and waiting periods. It then coordinates with insurers to submit applications and manage underwriting on behalf of the client, guiding each person through the policy selection and procurement process step by step.
ClearBenefits Group LLC provides specialized disability insurance solutions for professionals in Durham, North Carolina. It works with clients to evaluate income protection needs, recommending both short-term and long-term disability policies that align with individual career demands and budgets. The agency guides applicants through underwriting and policy selection, ensuring coverage addresses potential gaps left by employer benefits. As employment landscapes shift or when recovering from an illness or injury, the firm helps safeguard income against unexpected interruptions that could disrupt financial stability.
All About Insurance - Durham offers clients the choice between a one-time policy review to assess current disability coverage or recurring service options for ongoing policy management. The agency helps individuals in Durham, NC, secure protection that replaces lost income due to illness or injury by comparing available plans from various carriers. Coverage consultations focus on policy terms, benefit amounts, and elimination periods tailored to each client’s occupation and budget. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s preference and life changes.
When a Durham professional faces an unexpected injury or illness, the sudden loss of income can threaten financial stability. Bowen Agency, Inc. helps local workers navigate this challenge by identifying suitable disability insurance policies that replace a portion of their earnings during recovery. This agency in Durham, NC guides clients through plan comparisons tailored to individual needs and occupations. Each potential policy is evaluated through a careful review of the applicant’s current health and financial situation during an initial assessment consultation.
Herring & Bickers Insurance assists clients in the Durham, NC area with financial protection strategies. As a disability insurance agent, the company focuses on policies that replace income if an injury or illness prevents work. This specialty involves guiding individuals through plan options to secure coverage for their specific situations. These services apply to various commercial sectors, including offices, warehouses, and food service operations, where protecting skilled workers and management personnel from lost earnings is essential.
SKW Insurance in Durham, NC is known for helping clients navigate the complexities of disability income protection. The agency’s service range covers individual disability insurance policies that replace a portion of lost wages due to illness or injury. The team works closely with professionals in the Durham area to tailor coverage for specific occupations and income levels. As a value-added service, the agency can also help clients understand how their benefits coordinate with employer-provided short-term disability plans.
Serving residential clients in and around Durham, North Carolina, All About Insurance - Durham (University Dr) assists individuals seeking disability income protection to safeguard their finances. Commercial coverage is also available for local businesses needing to protect their workforce from lost income due to injury or illness. The agency supports clients throughout the Durham area with tailored policy options. After initial enrollment, the agent remains available for follow-up assistance, helping clients adjust their plans between regular annual reviews.
What Does a a Disability Insurance Agent in Durham Cost?
The cost of working with a disability insurance agent in North Carolina is typically covered by commissions from the insurance carrier so you pay no direct fee. Policy premiums vary widely based on age health occupation and benefit amount. For a 35-year-old office worker a policy might cost 1% to 3% of annual income. For a construction worker premiums can be 3% to 6% of annual income. This is general information not insurance advice.
About disability insurance agents in Durham
Disability insurance agents in Durham North Carolina help individuals and businesses find coverage that protects income if injury or illness prevents work. North Carolina law does not require employers to offer disability insurance but many choose to provide short-term or long-term plans. Agents in Durham can explain policy options including elimination periods and benefit durations specific to NC regulations.
Frequently Asked Questions
What does a disability insurance agent in Durham do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs. They can also assist with understanding policy terms like own-occupation versus any-occupation definitions. Agents do not handle claims but can guide you on the process.
Are there North Carolina laws that affect disability insurance?
Yes. North Carolina follows the Employee Retirement Income Security Act for employer-sponsored plans. State law also requires insurers to respond to claims within 45 days and to provide a reason for any denial. Agents must be licensed by the North Carolina Department of Insurance.
How do I choose a disability insurance agent in Durham?
Look for an agent who is licensed in North Carolina and has experience with both individual and group policies. Ask about their knowledge of local employers and common occupations in Durham like healthcare and technology. Check their reviews and ask for references.
Disability Insurance Agents in Other North Carolina Cities
Apex · Asheboro · Asheville · Burlington · Cary · Chapel Hill · Charlotte · Clayton · Concord · Cornelius · Fayetteville · Fuquay-Varina · Garner · Gastonia · Goldsboro