The top-rated disability insurance agent in Hickory, North Carolina is Lance Cook - State Farm Insurance Agent, rated 5.0 stars across 287 reviews. Other highly rated options include Bryant-Tate Health Insurance Services, Romeo Heatherly Insurance Services, LLC, Highstreet Insurance, Formerly First Security Insurance. This directory lists 20 disability insurance agents serving Hickory.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lance Cook - State Farm Insurance Agent | 848 2nd St NE | (828) 322-6521 |
| 2 | Bryant-Tate Health Insurance Services | 3145 Tate Blvd Suite B | (828) 381-8183 |
| 3 | Romeo Heatherly Insurance Services, LLC | 2014 N Center St | (828) 838-1173 |
| 4 | Highstreet Insurance, Formerly First Security Insurance | 212 3rd Ave NW | (828) 322-4171 |
| 5 | Broome Insurance | 630 4th St SW | (828) 328-5671 |
| 6 | Catawba Valley Insurance Agency | 936 Lenoir Rhyne Blvd SE | (828) 267-1100 |
| 7 | Mace Insurance Agency | 1203 4th St Dr NW | (828) 495-3581 |
| 8 | Superior Insurance of Hickory | 1475 Highland Ave NE | (828) 855-9696 |
| 9 | Leavitt Elite Insurance Advisors | 2471 Springs Rd NE | (828) 256-2114 |
| 10 | Freedom Insurance Group, Inc. | 561 U.S. Hwy 70 SW | (828) 322-7474 |
Lance Cook - State Farm Insurance Agent in Hickory, NC, provides disability insurance services to clients across the greater Hickory metro and Catawba County area. This agency helps individuals and families protect their income by offering policies that replace a portion of earnings if an illness or injury prevents them from working. They guide clients through plan options tailored to different occupations and budgets. Their office assists with both short-term and long-term disability insurance coverage.
At Bryant-Tate Health Insurance Services in Hickory, NC, the team assists clients with evaluating and selecting disability insurance policies tailored to individual income protection needs. Ongoing plan reviews and claims support help ensure that coverage adapts to changing personal or professional circumstances. Their services address risks for a diverse range of properties and businesses, including single-family homes, apartments, retail locations, and restaurants.
Homeowners, business owners, and professionals in Hickory, NC, turn to Romeo Heatherly Insurance Services, LLC for disability insurance agency support. The firm assists individuals in securing income protection policies to help replace lost wages due to illness or injury. It also serves employers seeking group disability coverage for their workforce. This agency guides clients through the complexities of policy selection and application processes. Its coverage extends to nearby communities in Catawba County, including Conover and Newton.
Serving Hickory, North Carolina and the surrounding communities, Highstreet Insurance, formerly First Security Insurance, handles a range of disability insurance agent needs for local residents and businesses. The agency works to connect clients with appropriate income protection policies that can provide financial support if an injury or illness prevents them from working. To manage a typical case, the team reviews the client’s specific occupation, existing coverage, and financial goals before identifying suitable plan options.
Broome Insurance serves clients in Hickory, North Carolina, by distinguishing between one-time policy reviews and open-ended recurring service agreements when addressing income protection needs. Their core work in disability insurance obtains coverage that replaces a portion of earned income if an injury or illness prevents work. This protection is tailored to each individual’s occupation, ensuring policies match specific job demands and regular wages. Client service for policy adjustments, claim assistance, and future coverage assessments is available strictly on an as-needed basis, without any automatic, scheduled follow-ups.
Catawba Valley Insurance Agency offers specialized disability insurance services, protecting local income in Hickory, NC, against the financial impact of unexpected illness or injury. It provides general guidance on whether employer-based plans or private individual policies best fit a client’s unique career and lifestyle needs. The agency helps residents ensure partial injuries from seasonal work in manufacturing or tourism do not disrupt long-term financial stability.
Mace Insurance Agency in Hickory, North Carolina, focuses on helping individuals and businesses secure income protection through disability insurance coverage. The firm specializes in both short-term and long-term disability policies designed to replace lost wages during illness or injury. It assists clients in selecting plans that address their specific financial needs and employment situations. Its services are available to commercial sectors such as offices, warehouses, and food service operations, each requiring tailored coverage solutions for their workforce.
As autumn winds bring changes in health and routine for many in Hickory, NC, having reliable disability insurance coverage becomes a practical concern. Superior Insurance of Hickory serves as a local disability insurance agent helping area residents plan for income protection needs. An agent in this category guides clients through options that maintain financial stability if illness or injury prevents them from working. The company focuses on explaining policy details and matching each individual with suitable coverage. To begin, they schedule a personal consultation to review current income and specific risk factors.
Leavitt Elite Insurance Advisors specializes in residential disability insurance for clients in Hickory, North Carolina. The company also assists businesses in the region with commercial disability coverage, protecting both employers and their staff. Their work involves evaluating individual income replacement needs and helping local residents find appropriate policies. Agents remain focused on the greater Hickory service area, providing ongoing support and plan adjustments. Regular client follow-ups are scheduled between annual reviews to address any changes in financial circumstances or coverage requirements.
Freedom Insurance Group, Inc., based in Hickory, NC, is known for helping local professionals protect their income through disability insurance. The agency serves individuals and small businesses across the region, guiding them in selecting policies that provide financial security if illness or injury prevents work. Consultations focus on understanding each client’s occupation, earnings, and coverage needs. As an additional service, the agency can help structure a future benefit package that includes a residual or partial disability rider.
What Does a a Disability Insurance Agent in Hickory Cost?
Disability insurance agents in North Carolina typically earn a commission from the insurance company, so you do not pay them directly. Policy premiums vary based on age, health, and coverage amount, ranging from 1% to 3% of your annual income. For example, a 40-year-old earning $50,000 per year might pay $500 to $1,500 annually for a policy. This is general information, not insurance advice.
About disability insurance agents in Hickory
A disability insurance agent in Hickory, North Carolina can help you understand your policy options and file claims. North Carolina law requires disability insurance policies to include specific provisions for benefit payments. Local agents know the Hickory job market and can guide you through the process of protecting your income.
Frequently Asked Questions
What does a disability insurance agent in Hickory do?
A disability insurance agent helps you choose a policy that fits your needs and assists with claims. They explain terms like elimination periods and benefit amounts. In North Carolina, agents must be licensed by the state Department of Insurance.
How long do I have to file a disability claim in North Carolina?
North Carolina does not have a specific statute of limitations for disability claims, but most policies require you to notify the insurer within 30 days of a disability. You should file a formal claim within 90 days. Check your policy for exact time limits.
Can a disability insurance agent help if my claim is denied?
Yes, an agent can review your denial letter and explain your options. They may help you gather additional evidence or file an appeal. In North Carolina, you have the right to request a review of the decision from the insurer.
Disability Insurance Agents in Other North Carolina Cities
Apex · Asheboro · Asheville · Burlington · Cary · Chapel Hill · Charlotte · Clayton · Concord · Cornelius · Durham · Fayetteville · Fuquay-Varina · Garner · Gastonia