The top-rated disability insurance agent in Columbia, South Carolina is Lourie Life and Health, rated 4.9 stars across 638 reviews. Other highly rated options include Powers Insurance Experts, Insurance Solutions by Isabel, LLC, Sadler & Company, Inc. | Insurance and Risk Management. This directory lists 18 disability insurance agents serving Columbia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lourie Life and Health | 3710 Landmark Dr Suite 206 | (803) 256-2067 |
| 2 | Powers Insurance Experts | 1122 Lady St Office 315 | (803) 451-0094 |
| 3 | Insurance Solutions by Isabel, LLC | 6923 N Trenholm Rd | (803) 413-8181 |
| 4 | Sadler & Company, Inc. | Insurance and Risk Management | 3014 Devine St | (800) 622-7370 |
| 5 | Allegiance Insurance Group | 540 St Andrews Rd | (803) 546-4707 |
| 6 | Affordable Insurance Group | 6168 St Andrews Rd | (803) 798-4499 |
| 7 | Relation Insurance Services | 8313 Two Notch Rd | (803) 788-4211 |
| 8 | DAVENPORT INSURANCE SOLUTIONS LLC | 9367 Two Notch Rd | (803) 699-1947 |
| 9 | Russell-Massey & Company | 1320 Elmwood Ave # E | (803) 779-7854 |
| 10 | Colonial Life | 1200 Colonial Life Blvd W | (800) 325-4368 |
Lourie Life and Health serves the Columbia, South Carolina area as a disability insurance agency, handling both short-term and long-term disability insurance products. The agency works with individuals and business clients across the Midlands to secure policies that protect income during unexpected illness or injury. Disability insurance agents in this region frequently assist professionals, self-employed individuals, and small business owners. Lourie Life and Health specifically provides consultation on own-occupation disability policies and group disability coverage for employers.
Powers Insurance Experts in Columbia, SC offers services as a disability insurance agent work, helping clients evaluate their income protection needs and select appropriate long-term and short-term disability policies. The company’s service approach includes reviewing current coverage to identify potential gaps and filing claims on behalf of the policyholder when necessary. Maintenance plans involve periodic policy reviews to adjust benefits as wages or life circumstances change. It services single-family homes, apartments, retail establishments, and restaurants throughout the Columbia area.
Insurance Solutions by Isabel, LLC assists homeowners, renters, and small business owners in Columbia, SC, with their disability insurance needs. The agency helps clients understand and select policies that provide income protection if an injury or illness prevents them from working. Each plan is tailored to fit individual financial situations and coverage requirements. The company also extends its services to residents in the surrounding Lexington metropolitan area, offering the same personalized guidance for those seeking to secure their earning potential.
Sadler & Company, Inc. | Insurance and Risk Management serves Columbia and the surrounding Midlands communities of South Carolina. It focuses exclusively on disability insurance, helping individuals and employers address income protection needs arising from illness or injury. The company works to understand each client’s occupation, income, and daily responsibilities. Its general approach involves carefully evaluating policy options to match specific financial safeguards, then coordinating the application process to secure appropriate coverage for the client.
Allegiance Insurance Group specializes in securing disability income protection and offers general agent services for individuals and businesses in Columbia, SC. The agency guides clients through the complexities of both short-term and long-term disability policies, ensuring coverage aligns with personal financial needs and employment situations. During seasonal job shifts or unexpected health issues that interrupt steady work, the firm helps policyholders understand their benefits and manage claims effectively.
Some clients seek a one-time policy evaluation while others require ongoing adjustments as their income evolves. Affordable Insurance Group in Columbia, SC, helps individuals understand how disability coverage can replace lost wages during an unexpected illness or injury. Their agents explain benefit periods, waiting periods, and elimination riders without pressure. Policy reviews are available on either a scheduled or as-needed basis to adapt to changing life circumstances.
Relation Insurance Services provides individual and group disability income protection options to clients in Columbia, South Carolina. Its representatives work to review each client’s current coverage and identify gaps in income replacement. Ongoing policy reviews and claims assistance are included to help maintain benefits over time. The firm focuses on protecting long-term earnings for owner-occupied single-family homes, multi-unit apartment buildings, retail shops, and full-service restaurants.
DAVENPORT INSURANCE SOLUTIONS LLC assists local businesses and individuals with their income protection needs. As a disability insurance agent, the firm focuses on policies that replace a portion of lost earnings when a client cannot work due to injury or illness. Located in Columbia, SC, the agency offers guidance on plan selection and application procedures. It serves commercial sectors including offices, warehouses, and food service operations.
As the summer heat drives many in Columbia to physically demanding outdoor jobs, unexpected injuries or illnesses can disrupt a steady paycheck. Colonial Life operates in this city as a disability insurance agent, helping residents protect their income when they cannot work. The company assists clients in understanding policy options that replace a portion of lost wages during recovery. Every consultation begins by arranging a personalized initial-assessment meeting to review individual coverage needs.
What Does a a Disability Insurance Agent in Columbia Cost?
Disability insurance agent services in South Carolina are usually paid through commissions from the insurance company, not directly by you. Policy premiums typically range from 1% to 3% of your annual income, meaning a $50,000 salary could cost $500 to $1,500 per year. Costs vary based on age, health, occupation, and coverage amount. This is general information, not insurance advice.
About disability insurance agents in Columbia
Disability insurance agents in Columbia, South Carolina assist residents with securing income protection policies. South Carolina law does not require employers to provide disability insurance, so individual policies are common. Agents can help you understand options like short-term and long-term coverage tailored to your needs.
Frequently Asked Questions
What does a disability insurance agent in Columbia do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain coverage options, policy terms, and claim processes. In South Carolina, agents must be licensed by the state Department of Insurance.
How do I choose a disability insurance agent in Columbia?
Look for an agent with experience in disability insurance and knowledge of South Carolina regulations. Check their license status on the South Carolina Department of Insurance website. Ask about their experience with claims and policy comparisons.
Are there time limits for disability insurance claims in South Carolina?
South Carolina has a statute of limitations for filing a lawsuit over a denied claim, typically three years from the date of denial. Policy-specific deadlines for submitting claims vary, so review your policy carefully. An agent can help you understand these timelines.
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