The top-rated disability insurance agent in Warwick, Rhode Island is Bankers Life, rated 4.9 stars across 132 reviews. Other highly rated options include Brook Insurance Associates LLC, McLane Insurance Agency, The Beacon Mutual Insurance Company. This directory lists 18 disability insurance agents serving Warwick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bankers Life | 475 Kilvert St # 300 | (401) 732-5213 |
| 2 | Brook Insurance Associates LLC | 1935 Elmwood Ave | (401) 381-1350 |
| 3 | McLane Insurance Agency | 2914 Post Rd #6 | (401) 773-7892 |
| 4 | The Beacon Mutual Insurance Company | 1 Beacon Center | (401) 825-2667 |
| 5 | DeGiulio Insurance Group, LLC | 3590 W Shore Rd | (401) 921-5690 |
| 6 | Elder Care Insurance Solutions Inc | 3466 W Shore Rd Rear | (401) 885-7467 |
| 7 | Steven Gosetti, Bankers Life Agent and Bankers Life Securities Financial Representative | 475 Kilvert St # 300 | (401) 732-5213 |
| 8 | The Egis Group | 120 Lavan St | (401) 274-0303 |
| 9 | State Insurance Rhode Island | 179 Old Warwick Ave | (401) 655-2829 |
| 10 | Healthwise65 | 275 W Natick Rd Suite 450 | (401) 558-0381 |
Located in Warwick, Rhode Island, Bankers Life serves clients throughout Kent County as a disability insurance agent. The company offers professional guidance for individuals seeking income protection in the event of an illness or injury that prevents them from working. Agents assist local residents in understanding various disability policy options that help replace lost wages. In the Warwick area, Bankers Life specifically handles short-term disability coverage and long-term disability insurance solutions.
Brook Insurance Associates LLC in Warwick, Rhode Island, provides a range of disability insurance agent services, including evaluating individual income protection needs and presenting suitable policy options. It offers ongoing service plans that assist clients with policy maintenance and claims filing procedures. The company works with individuals seeking coverage while also serving commercial properties such as retail businesses and local restaurants, alongside single-family homes and apartment complexes.
The McLane Insurance Agency serves individuals and small businesses in Warwick, Rhode Island, and the surrounding communities of Kent County. The agency handles disability insurance policies that provide income protection when a client is unable to work due to illness or injury. An agent evaluates each client’s occupation, current income, and monthly expenses to determine appropriate coverage needs. The agency then takes a consultative approach, comparing policy terms from different carriers to match benefits with the client’s specific financial situation and long-term security goals.
The Beacon Mutual Insurance Company serves homeowners and small business owners in the Warwick area by helping them secure disability income protection. Policies can replace a portion of lost earnings if illness or injury prevents work, offering a crucial financial safeguard for daily living expenses. The agent assists clients in comparing plan options and available waiting periods. While based in Warwick, Rhode Island, it also serves clients across the Providence metropolitan region.
Serving clients in Warwick, Rhode Island, DeGiulio Insurance Group, LLC distinguishes between one-time policy evaluations and ongoing management for a long-term plan. Their work focuses on matching individuals with disability insurance coverage that protects income when illness or injury prevents working. This agent assists local professionals and small business owners in navigating coverage options and application procedures. Services for current clients are structured to run on an as-needed basis, with appointments available for policy reviews, claims support, or coverage adjustments.
Elder Care Insurance Solutions Inc in Warwick, RI, offers disability insurance agents who assist clients with short-term and long-term coverage options to protect their income. These agents provide general guidance on policy selection and help individuals understand benefit structures and waiting periods for claims. They work with residents to evaluate personal risk factors and employment situations. As local professionals, they also help clients prepare for coverage needs arising from seasonal work transitions or unexpected health changes that may interrupt regular earnings.
Steven Gosetti, Bankers Life Agent and Bankers Life Securities Financial Representative, provides guidance on disability insurance options for individuals in the Warwick, Rhode Island area. The firm helps clients understand policies that can replace a portion of income if illness or injury prevents them from working. An emphasized specialty includes evaluating supplemental coverage that works alongside existing employer benefits or individual plans. This assistance can support risk management strategies for a range of commercial environments, from professional offices to warehouses and food service operations.
In the busy job market of Warwick, RI, a sudden illness or injury can jeopardize a household's financial stability. The Egis Group assists local professionals by explaining how disability insurance policies replace a portion of lost income during recovery or medical leave. This independent agency evaluates each client’s occupation and long-term earning needs to recommend suitable plan structures. The process begins with a straightforward initial needs assessment to review current coverage gaps and potential benefits.
State Insurance Rhode Island serves residents in the Warwick area, guiding individuals through the process of securing income protection for illness or injury. For commercial clients, the agency advises on coverage options that help businesses manage employee disability risks. Their work focuses on matching policies to local needs across Rhode Island. Between initial applications and plan updates, agents maintain contact with clients to adjust coverage as circumstances change, ensuring that service continues seamlessly during regular follow-up visits.
Healthwise65 operates from Warwick, Rhode Island, as a local disability insurance agent. The company is known for helping individuals and small business owners identify coverage that protects income if illness or injury prevents them from working. It serves clients throughout the region by explaining policy options from various insurers. A service range includes offering short-term and long-term disability plans designed to meet different occupational needs and budgets. Healthwise65 can add on specialized coverage tailored to self-employed professionals who require customized benefit structures.
What Does a a Disability Insurance Agent in Warwick Cost?
Typical costs for disability insurance in Rhode Island range from 1% to 3% of your annual income, depending on your age, health, occupation, and benefit amount. For a 40-year-old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary by case. This is general information, not insurance advice.
About disability insurance agents in Warwick
Disability insurance agents in Warwick, Rhode Island help individuals and small business owners secure income protection. Rhode Island law does not require private disability insurance, but it offers a state-run Temporary Disability Insurance (TDI) program for eligible workers. An agent can guide you through private policies that supplement TDI or provide coverage for self-employed residents.
Frequently Asked Questions
What does a disability insurance agent in Warwick do?
A disability insurance agent helps you compare policies from different carriers, explains coverage terms, and assists with the application process. They can also advise on how private insurance interacts with Rhode Island TDI benefits.
How does Rhode Island TDI affect private disability insurance?
Rhode Island TDI provides partial wage replacement for up to 30 weeks for non-work-related illness or injury. A private disability insurance policy can supplement TDI to cover a higher percentage of your income or extend benefits beyond 30 weeks.
Are disability insurance premiums tax-deductible in Rhode Island?
If you pay premiums with after-tax dollars, your benefits are generally tax-free. If your employer pays premiums, benefits are taxable. Rhode Island follows federal tax rules for disability insurance.
Disability Insurance Agents in Other Rhode Island Cities
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