The top-rated disability insurance agent in Schertz, Texas is Farmers Insurance - Natascha Reynoso, rated 5.0 stars across 188 reviews. Other highly rated options include Bill Hicks - State Farm Insurance Agent, Cindy Deschamps: Allstate Insurance, Steven Garza - State Farm Insurance Agent. This directory lists 11 disability insurance agents serving Schertz.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Natascha Reynoso | 6051 FM3009 Ste 246 | (210) 797-7197 |
| 2 | Bill Hicks - State Farm Insurance Agent | 210 FM78 | (210) 658-4642 |
| 3 | Cindy Deschamps: Allstate Insurance | 1420 Schertz Pkwy Ste 230 | (210) 656-1462 |
| 4 | Steven Garza - State Farm Insurance Agent | 1996 Schertz Pkwy Suite 404 | (210) 658-6264 |
| 5 | Joel Munis: Allstate Insurance | 908 FM3009 | (210) 566-4440 |
| 6 | Medicare San Antonio Insurance Options | 1105 Antler Dr | (210) 721-1988 |
| 7 | CIA (Colombo Insurance Agency) | 611 Main St | (210) 966-0601 |
| 8 | Laskowski Insurance Agency | 17305 I-35 N #134 | (210) 828-2265 |
| 9 | Farmers Insurance - Jacqueline Cruz | 1996 Schertz Pkwy Ste 203 | (210) 890-8008 |
| 10 | Aflac Regional Office - Tristan Gaines | 7637 FM3009 | (210) 960-3825 |
Farmers Insurance - Natascha Reynoso serves homeowners, renters, and small business owners in the Schertz area with disability insurance agent services. The agency helps clients find income protection policies designed to replace a portion of lost earnings due to illness or injury. Individual disability plans are tailored to fit different professions and coverage needs. Policyholders receive ongoing support for claims and policy adjustments. The company also extends its services to residents in the nearby Cibolo community within the San Antonio metro region.
Bill Hicks - State Farm Insurance Agent serves the Schertz, Texas area and surrounding communities in Guadalupe County. The agency offers disability insurance among its main services, helping local residents secure income protection if they are unable to work due to illness or injury. It also assists clients with policy selection to match individual budgets and coverage needs. The agency handles both short-term and long-term disability insurance plans for individuals and families.
Cindy Deschamps: Allstate Insurance in Schertz, TX, provides disability insurance agent services, offering coverage guidance that helps protect income in the event of injury or illness. The agency assists clients in selecting suitable policies and can help with plan adjustments or renewals as circumstances change. This service is available for individuals and families, including those residing in single-family homes, apartments, retail spaces, or restaurants throughout the local area.
Serving Schertz, Texas, and the surrounding communities in Guadalupe and Bexar counties, Steven Garza - State Farm Insurance Agent handles disability insurance needs for local residents. This office assists clients in understanding the coverage options that help protect their income if injury or illness prevents them from working. A typical job begins with a personal consultation to assess the client’s occupation and income level, followed by a recommendation from the agent’s product lineup for a tailored policy.
Joel Munis: Allstate Insurance offers a clear distinction between one-time consultations for evaluating current disability coverage and recurring service options for ongoing policy reviews. The agency assists clients in Schertz, TX with understanding how individual disability insurance can replace income during a covered illness or injury. Services help explain waiting periods, benefit durations, and the key difference between own-occupation and any-occupation definitions. Client support for disability insurance is available on a scheduled or as-needed basis to address changing needs.
Medicare San Antonio Insurance Options specializes in helping clients secure disability income protection, ensuring financial stability if an injury or illness prevents them from working. Based in Schertz, Texas, this agency also provides general disability insurance guidance to individuals and families across the area, evaluating coverage needs based on local employment patterns and health risks. Whether facing a short-term recovery from surgery or managing a chronic condition that limits work capacity, it assists clients in understanding how disability benefits coordinate with other health-related policies.
In the Schertz, Texas area, the changing seasons often bring shifts in physical activity that can increase the risk of injury. Colombo Insurance Agency (CIA) helps clients find coverage to protect their income when they are unable to work due to illness or accident. The agency focuses on matching individuals with plans suited to their employment and personal financial needs. Life can be unpredictable, and this type of insurance provides essential financial backup during recovery periods. A thorough initial assessment of the client’s current income and occupation starts the process.
Laskowski Insurance Agency provides guidance on disability income protection for individuals and families in Schertz, Texas. The company focuses specifically on disability insurance, helping clients understand coverage options that replace lost wages during illness or injury. Agents work with local residents to evaluate policy features such as benefit periods and elimination periods. The firm serves workers across various commercial sectors, including office environments, warehouses, and food service establishments.
Farmers Insurance - Jacqueline Cruz in Schertz, TX provides disability insurance agent services to residential clients in the local area, helping individuals protect their income during periods of injury or illness. Commercial coverage is also available for small businesses needing to safeguard employee earnings or key-person policies. Serving Schertz and the surrounding communities, the agency assists clients with policy questions and claims paperwork. Scheduled follow-up or repeat service is offered between regular visits to review and adjust coverage as needs change.
Aflac Regional Office - Tristan Gaines in Schertz, TX, provides disability insurance agent services known for helping individuals secure income protection through supplemental policies. Serving the local community, the agency assists clients in evaluating coverage options for short- and long-term disability needs. The office can guide applicants through plan selection tailored to occupational and personal circumstances. A typical specialty service it offers includes advice on integrating disability benefits with existing health coverage.
What Does a a Disability Insurance Agent in Schertz Cost?
The cost of disability insurance in Texas typically ranges from 1 percent to 3 percent of your annual income. For a 50 year old earning 60000 per year a policy might cost between 600 and 1800 annually. Premiums vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Schertz
Disability insurance agents in Schertz Texas help residents and workers find income protection plans. Texas law does not require employers to provide disability insurance but many offer it through private carriers. Agents can explain the difference between short term and long term policies and how Texas insurance regulations affect your coverage.
Frequently Asked Questions
What does a disability insurance agent in Schertz do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and how Texas insurance laws apply to your plan. They do not provide legal advice but can guide you to suitable coverage options.
Is disability insurance required by law in Texas?
No Texas does not require employers to provide disability insurance. However some employers offer it as a voluntary benefit. Agents can help you understand if you need a private policy to replace income if you become unable to work.
How do Texas specific laws affect disability insurance?
Texas insurance regulations require clear policy language and set standards for claim handling. The Texas Department of Insurance oversees disability insurance carriers. Agents must be licensed in Texas and follow state rules when selling policies.
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