The top-rated disability insurance agent in Richmond, Texas is Polo Garcia - State Farm Insurance Agent, rated 4.9 stars across 1,127 reviews. Other highly rated options include Acrisure Digital Solutions / Rockland Insurance Agency, Forrest Cobb - State Farm Insurance Agent, Kari Bird - State Farm Insurance Agent. This directory lists 16 disability insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Polo Garcia - State Farm Insurance Agent | 15002 Lakefair Dr Ste 205 | (281) 937-7491 |
| 2 | Acrisure Digital Solutions / Rockland Insurance Agency | 2740 FM359 | (281) 242-0020 |
| 3 | Forrest Cobb - State Farm Insurance Agent | 11020 Harlem Rd Suite 300 | (832) 781-4718 |
| 4 | Kari Bird - State Farm Insurance Agent | 1601 Main St Ste 406 | (832) 586-8611 |
| 5 | Zach Muzzy - State Farm Insurance Agent | 10401 Mason Rd Suite D402 | (281) 232-1921 |
| 6 | Vahn Doctolero - State Farm Insurance Agent | 2035 FM359 I | (281) 232-2200 |
| 7 | Leland Brunswick II - State Farm Insurance Agent | 1305 FM359 | (281) 342-3764 |
| 8 | Full Scope Insurance Agency, LLC | 7829 Powerline Rd | (832) 490-1380 |
| 9 | Jason Deitz - State Farm Insurance Agent | 16803 W Airport Blvd Ste 120 | (832) 532-3313 |
| 10 | Mark Boles Insurance Agency | 1117 FM359 | (281) 633-2094 |
Polo Garcia - State Farm Insurance Agent serves the Richmond, Texas, area and Fort Bend County as a disability insurance agent. The company helps local residents understand how disability coverage can protect a portion of their income if an illness or injury prevents them from working. This service provides financial support for daily expenses when an individual cannot perform their regular job duties. Polo Garcia also assists clients in reviewing policy options that offer short-term or long-term income replacement in the Richmond community.
Acrisure Digital Solutions / Rockland Insurance Agency in Richmond, TX offers a range of disability insurance services, including helping clients evaluate income protection needs and advising on policy options. The agency provides ongoing support for policy maintenance, claims assistance, and benefit reviews to ensure coverage remains appropriate as circumstances change. It serves individuals, small business owners, and professionals in the area, including those in single-family homes, apartments, retail, and restaurants.
Forrest Cobb - State Farm Insurance Agent serves homeowners, businesses, and property managers in Richmond, Texas, by providing disability insurance coverage that helps protect income against unexpected injuries or illnesses. The agency guides clients through policy options tailored to their specific financial situations and employment needs. Serving the broader Fort Bend County area, this office also covers nearby communities such as Sugar Land, ensuring residents in surrounding neighborhoods have access to personalized disability insurance assistance and support.
Kari Bird - State Farm Insurance Agent serves individuals in Richmond, Texas, and the surrounding Fort Bend County communities, handling disability insurance policies. The agency assists with both short-term and long-term disability coverage, which helps protect a client's income if an illness or injury prevents them from working. To handle a typical job, the agent evaluates each client's occupation and income level to recommend an appropriate policy tailored to their specific financial situation.
When clients seek temporary income protection after an injury, a one-time disability policy often fits their needs, whereas recurring service options focus on long-term replacement of earnings for chronic conditions. As a disability insurance agent serving the Richmond, Texas area, Zach Muzzy provides expert guidance through both coverage paths. A consultation clarifies whether a short-term or permanent plan best secures financial stability during unexpected illnesses or accidents. Client service for policy selection and claims assistance runs on both a scheduled appointment and as-needed basis.
Vahn Doctolero - State Farm Insurance Agent in Richmond, TX, offers disability insurance to replace a portion of income if an injury or illness prevents work. The agency also assists with auto, home, and life policies to help clients build comprehensive coverage. For those unable to earn a paycheck, disability benefits provide essential financial support. This service becomes especially valuable during open enrollment periods, when people need guidance in selecting appropriate income protection options for the coming year.
As seasonal storms approach the Richmond area, the need to secure income against unexpected health challenges becomes urgent. Leland Brunswick II - State Farm Insurance Agent provides disability insurance tailored to cover a portion of lost earnings when you cannot work due to illness or injury. This protection helps preserve financial stability during recovery, allowing policyholders to focus on their health. An initial consultation begins with a review of your current coverage and potential gaps in income protection.
Full Scope Insurance Agency, LLC works with individuals and businesses in the Richmond, TX area to secure disability income protection. Its services include both short-term and long-term disability planning, addressing income loss from illness or injury. The agency evaluates client risks and presents suitable coverage options from various providers. It can serve many commercial sectors, including offices, warehouses, and food service operations.
Jason Deitz - State Farm Insurance Agent in Richmond, TX assists local residents with securing disability insurance coverage for individual needs. The office also provides commercial disability insurance options for area businesses. Service extends throughout Richmond and the surrounding Fort Bend County communities. Clients can expect clear explanations of policy benefits during an initial consultation. The agent schedules follow-up meetings or repeat service between regular visits to review coverage adjustments based on changing circumstances.
Mark Boles Insurance Agency in Richmond, Texas is known for helping individuals and families secure disability income protection. The agency guides clients through the complex process of selecting appropriate coverage to replace lost earnings due to illness or injury. It serves local professionals, self-employed workers, and small business owners in Fort Bend County and surrounding areas. A specialty service it can add on is an analysis of employer-sponsored group long-term disability plans to identify coverage gaps.
What Does a a Disability Insurance Agent in Richmond Cost?
Disability insurance agent services in Texas typically do not charge a separate fee. Agents earn commissions from insurance carriers which are included in your premium. Monthly premiums for individual disability insurance in Texas range from 1% to 3% of your annual income. For a 50 000 annual income expect premiums between 50 and 150 per month. Costs vary based on age health occupation and policy features. This is general information and not insurance advice.
About disability insurance agents in Richmond
Disability insurance agents in Richmond Texas help individuals and business owners protect their income. Agents guide clients through policy options and claims processes under Texas Insurance Code regulations. Local agents understand the Fort Bend County market and can assist with both short term and long term disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Richmond do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain policy terms, compare plans from different carriers, and assist with claims. In Texas agents must be licensed by the Texas Department of Insurance.
How long do I have to file a disability claim in Texas?
Texas does not have a single statute of limitations for all disability claims. Private policy deadlines vary by contract often 30 to 90 days after disability onset. For ERISA plans federal rules apply and you typically have 180 days to file an appeal.
Are disability insurance premiums tax deductible in Texas?
Premiums paid with after tax dollars are not deductible. If your employer pays premiums and you receive benefits those benefits are taxable. In Texas there is no state income tax so you do not owe state tax on disability benefits.
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