The top-rated disability insurance agent in Hilton Head Island, South Carolina is Paul Glick, CLU - Health & Life Insurance Agent, rated 5.0 stars across 35 reviews. Other highly rated options include Goosehead Insurance - Tanner Russell, Premier Insurance Advisors, PC&L Agency, Inc.. This directory lists 17 disability insurance agents serving Hilton Head Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul Glick, CLU - Health & Life Insurance Agent | 11 Doral Ct | (843) 681-8138 |
| 2 | Goosehead Insurance - Tanner Russell | 5 New Orleans Rd #100 | (843) 701-8730 |
| 3 | Premier Insurance Advisors | 10 Hospital Center Commons suite b | (843) 689-5300 |
| 4 | PC&L Agency, Inc. | 12 Lafayette Pl | (843) 682-4845 |
| 5 | Correll Insurance Group of Hilton Head | 15 Bow Cir STE 101 | (888) 668-8082 |
| 6 | Kinghorn Insurance Agency - Hilton Head | 23A Shelter Cove Ln | (843) 686-3911 |
| 7 | Golden Age Insurance Agency | 435 William Hilton Pkwy | (843) 212-4507 |
| 8 | Independent Benefit Advisors - South Carolina | 19 Shelter Cove Ln Building 1 Suite 302 | (843) 681-7400 |
| 9 | Callen Insurance Services | 17 Executive Park Rd | (843) 681-2221 |
| 10 | Fred Maiden Insurance Agency | 7 Office Way | (843) 298-1387 |
Paul Glick, CLU - Health & Life Insurance Agent serves the Hilton Head Island, South Carolina area, specializing in disability insurance coverage. The agency assists clients in selecting policies that provide income replacement in the event of an illness or injury that prevents work. By working with multiple insurance carriers, the agent helps individuals evaluate policy terms, waiting periods, and benefit amounts. Services include long-term disability insurance for sustained protection and short-term disability coverage for temporary income gaps during recovery from surgery or maternity leave.
Goosehead Insurance - Tanner Russell in Hilton Head Island, SC, provides a range of disability insurance services tailored to help clients protect their income from unexpected medical conditions or injuries. The agency offers assistance with policy selection, application processes, and ongoing service to ensure coverage aligns with changing needs. Maintenance plans include regular policy reviews and claims support. The agency services single-family homes, apartments, retail businesses, and restaurants in the local area.
Premier Insurance Advisors serves homeowners, businesses, and property managers throughout Hilton Head Island, South Carolina, by offering guidance on disability insurance coverage. The agency helps clients evaluate policies that replace a portion of income if an illness or injury prevents them from working. These solutions aim to provide financial protection for individuals and business owners alike during periods of medical recovery or long-term disability. The firm also extends its services to the surrounding Lowcountry region, including the Bluffton area.
PC&L Agency, Inc. serves the Hilton Head Island area and surrounding Lowcountry communities. It handles disability insurance policies that provide income protection for individuals who become unable to work due to illness or injury. The agency focuses on helping clients understand plan options, policy terms, and benefit structures tailored to various professional and personal situations. A typical job involves assessing a client’s current coverage needs and comparing available plans to recommend a suitable policy based on individual risk factors.
For both one-time and recurring service options, the Correll Insurance Group of Hilton Head assists clients on Hilton Head Island, SC, in securing disability insurance coverage. This specialized work ensures individuals can protect income if illness or injury prevents employment. Policies may be tailored for short-term or long-term needs, aligning with financial strategies. Service at this agency typically runs on an as-needed basis, allowing clients to address changing circumstances without rigid appointments.
As hurricane season approaches on Hilton Head Island, securing income protection becomes a priority for many local professionals. Kinghorn Insurance Agency - Hilton Head helps residents of Hilton Head Island, SC, evaluate disability insurance options that can replace lost wages during recovery from illness or injury. This agency focuses on matching clients with policies that fit varied occupations in the coastal community. The process begins with an initial assessment of each client’s current earnings and daily job duties to determine appropriate coverage levels.
Golden Age Insurance Agency is a local disability insurance agent serving Hilton Head Island, South Carolina and the surrounding Lowcountry region. The firm specializes in helping clients protect their income through customized disability coverage, including short-term and long-term policy options. Agents work closely with individuals and business owners to assess risk and match them with appropriate plans tailored to their specific needs. This agency regularly serves professionals in commercial sectors such as local offices, warehouses, and food service establishments.
Independent Benefit Advisors - South Carolina in Hilton Head Island, SC provides specialized disability income protection planning focused on replacing lost earnings due to illness or injury. It generally works with area professionals, self-employed individuals, and small business owners to design coverage that aligns with their financial responsibilities. The firm offers guidance on policy features such as elimination periods and benefit durations, and helps clients navigate the application process. For those working in seasonal tourism or construction, it addresses coverage adjustments tied to fluctuating local income patterns.
Callen Insurance Services provides disability insurance agent services to residents in the Hilton Head Island, SC area, including coverage for commercial clients seeking to protect their businesses from income loss due to employee or owner disability. The agency assists individuals with personal policies that ensure financial stability during recovery from illness or injury. Follow-up support and policy adjustments are offered between regular client visits to accommodate changing coverage needs.
What Does a a Disability Insurance Agent in Hilton Head Island Cost?
Typical costs for a disability insurance agent in South Carolina are paid through commissions from the insurance company. You do not pay the agent directly. 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 percent of annual income. For a construction worker, premiums can be 3 to 6 percent of annual income. This is general information, not insurance advice.
About disability insurance agents in Hilton Head Island
Disability insurance agents in Hilton Head Island South Carolina help residents find coverage that protects income if injury or illness prevents work. South Carolina law requires insurers to follow specific claim handling rules under Title 38 of the state code. Local agents can explain policy options and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Hilton Head Island do?
An agent helps you compare disability insurance policies from different carriers. They explain policy terms, waiting periods, and benefit amounts. They do not provide legal advice but can assist with filing initial claims.
How long do I have to file a disability claim in South Carolina?
South Carolina law does not set a specific deadline for filing a disability claim. However most policies require you to notify the insurer within 30 to 90 days of becoming disabled. Check your policy for exact time limits.
Can a disability insurance agent help with an existing claim denial?
An agent can review your policy and explain the denial reasons. For appeals or legal disputes you may need a lawyer or an independent claims consultant. Agents cannot represent you in legal proceedings.
Disability Insurance Agents in Other South Carolina Cities
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