The top-rated disability insurance agent in Odessa, Texas is Nationwide Insurance: Melisa Copeland Strickland LLC, rated 4.8 stars across 444 reviews. Other highly rated options include Karla Grimes - State Farm Insurance Agent, Joel Sellers - State Farm Insurance Agent, Torres Insurance. This directory lists 20 disability insurance agents serving Odessa.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nationwide Insurance: Melisa Copeland Strickland LLC | 2240 E 52nd St | (432) 366-8888 |
| 2 | Karla Grimes - State Farm Insurance Agent | 4682 E University Blvd Suite A | (432) 653-5168 |
| 3 | Joel Sellers - State Farm Insurance Agent | 2015 E 8th St Suite 1 | (432) 332-5250 |
| 4 | Torres Insurance | 1104 E 8th St | (432) 272-0497 |
| 5 | Five Star Insurance | 1127 W University Blvd | (432) 653-4812 |
| 6 | Martinez and Associates Insurance | 601 Dotsy Ave | (432) 580-8750 |
| 7 | Beth Insurance Company Texas | 2817 John Ben Shepperd Pkwy Suite C 102 | (432) 287-2678 |
| 8 | Allbright & Duncan Insurance | 3527 Billy Hext Rd Bldg A | (432) 362-6361 |
| 9 | Milam Felker Insurance Services, Inc. | 401 E 7th St | (432) 332-0711 |
| 10 | Basin Insurance | 1100 N Texas Ave | (432) 332-1000 |
Nationwide Insurance: Melisa Copeland Strickland LLC serves the Odessa, Texas area as a disability insurance agent. The company helps clients understand and select policies that provide income protection if they are unable to work due to illness or injury. Disability insurance safeguards earnings and can be arranged for individuals or offered through employer benefit plans. Coverage typically includes both short-term and long-term options tailored to different professional needs. The firm handles individual disability income policies and group disability plan enrollment.
Karla Grimes - State Farm Insurance Agent in Odessa, TX offers coverage for short-term and long-term disability, helping clients replace lost income when injury or illness prevents work. Their service includes reviewing existing policies to identify gaps in protection, then recommending appropriate individual or employer-sponsored disability plans. Business owners and high-income earners often consult them for income protection strategies tailored to their specific occupations. The agency services single-family homes, apartments, retail, and restaurants.
Homeowners, small business owners, and individuals in Odessa, Texas can consult Joel Sellers - State Farm Insurance Agent for disability insurance that provides income protection if illness or injury prevents work. This local agent helps clients understand policy options and coverage levels that suit their professional and family circumstances. Serving the Odessa area, the agency also covers residents and workers in the neighboring Midland metropolitan region.
Torres Insurance serves Odessa, Texas, and the surrounding communities of the Permian Basin. The company handles disability insurance policies, which provide income protection when a client cannot work due to illness or injury. These plans help replace lost wages during a qualifying disability period. For a typical job, the agency reviews a client’s occupation, current income, and existing coverage to recommend an appropriate policy that fits their financial situation and risk tolerance.
At Five Star Insurance in Odessa, TX, clients can choose between a single review of their disability coverage or an ongoing service arrangement that updates policies as needs evolve. The agency explains how group and individual disability plans safeguard income if injury or illness prevents work. Assistance includes comparing waiting periods, benefit durations, and definition-of-disability terms. Service is available on a one-time, scheduled, or as-needed basis, depending on each client’s preference.
Martinez and Associates Insurance specializes in disability insurance solutions, offering agents who guide residents of Odessa, Texas through the process of securing income protection plans. The firm assists clients in evaluating coverage options that replace lost wages due to illness or injury, tailoring policies to individual employment situations. Many workers in the Permian Basin face heightened physical demands that increase the risk of short-term or long-term disability, and this agency helps them prepare for such unexpected interruptions to their income.
As unpredictable weather in Odessa can disrupt daily routines, Beth Insurance Company Texas helps local residents plan for the financial impact of an unexpected injury or illness. The firm works with disability insurance policies that replace lost income when policyholders cannot perform their regular jobs. These policies offer a safety net during extended recovery periods. A new client typically begins the process by scheduling an initial consultation to review personal coverage needs and eligibility requirements.
Allbright & Duncan Insurance is a disability insurance agent company in Odessa, Texas. It assists clients with understanding and securing a range of coverage options that replace income when illness or injury prevents work. The firm routinely evaluates both short-term and long-term disability policies to match individual employment situations and budgets. It serves the local working community across diverse commercial sectors, including regional offices, nearby warehouses, and food service operations.
Milam Felker Insurance Services, Inc. is a disability insurance agency serving the Odessa, Texas area. It helps local professionals and small business owners secure coverage that replaces lost income due to illness or injury. The firm guides clients through policy comparisons, application processes, and benefit structures to match their specific earning needs. A signature service it provides is evaluating group coverage gaps for individuals, then offering tailored individual disability policies to fill those gaps.
Located in Odessa, TX, Basin Insurance provides disability insurance agent services to residential clients in the area. The agency also assists commercial clients with their disability coverage needs across the Permian Basin region. Focusing on individual and group policies, the firm helps local workers protect their income in case of injury or illness. After an initial consultation and policy setup, the agent follows up regularly between scheduled visits to ensure coverage remains appropriate as circumstances change.
What Does a a Disability Insurance Agent in Odessa Cost?
Disability insurance agent services in Texas typically cost nothing upfront because agents earn commissions from insurance carriers. Policy premiums vary widely from 1% to 3% of your annual income for individual coverage. Group plans through employers may cost less. Costs depend on your occupation, health, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Odessa
Disability insurance agents in Odessa, Texas help individuals and businesses secure income protection. Texas law requires agents to be licensed by the Texas Department of Insurance. Local agents can assist with understanding policy terms and filing claims specific to the Permian Basin workforce.
Frequently Asked Questions
What does a disability insurance agent in Odessa do?
A disability insurance agent helps you find and purchase disability insurance policies. They also guide you through the claims process and can explain Texas-specific regulations like the prompt payment requirements.
How do I choose a disability insurance agent in Odessa Texas?
Look for an agent licensed in Texas with experience in disability coverage. Check their standing with the Texas Department of Insurance and ask about their familiarity with local industries like oil and gas.
What Texas laws affect disability insurance claims?
Texas Insurance Code Chapter 542 sets deadlines for claim decisions. Insurers must acknowledge a claim within 15 days and pay or deny it within 45 days after receiving proof of loss. Agents can explain these timelines.
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