The top-rated disability insurance agent in Waco, Texas is Baker and Carey Insurance Agency, rated 4.9 stars across 181 reviews. Other highly rated options include Joel Fuessel - Secured First Financial of Texas - Independent Agent, Central Texas Benefits, Rosalinda's Insurance Agency. This directory lists 17 disability insurance agents serving Waco.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Baker and Carey Insurance Agency | 2601 Franklin Ave | (254) 755-7727 |
| 2 | Joel Fuessel - Secured First Financial of Texas - Independent Agent | 7215 Bosque Blvd #104 | (254) 265-6655 |
| 3 | Central Texas Benefits | 4547 Lake Shore Dr | (254) 722-2569 |
| 4 | Rosalinda's Insurance Agency | 3221 Franklin Ave #201 | (254) 644-4437 |
| 5 | ALPA Insurance | 2410 W Waco Dr | (254) 489-0200 |
| 6 | Browder General Insurance Agency Inc | 4800 Lakewood Dr #3 | (254) 776-1582 |
| 7 | Greater Waco Insurance Solutions | 7530 Bosque Blvd Suite #D | (254) 751-1254 |
| 8 | Lillard Financial and Insurance Services | 6605 Sanger Ave suite 1 | (254) 545-5273 |
| 9 | Elite Insurance Group | 100 N 6th St #201 | (254) 799-9616 |
| 10 | Keith Sanders Insurance Group | 6801 Steinbeck Bend Dr | (254) 235-8185 |
Baker and Carey Insurance Agency serves Waco, Texas, as a disability insurance agent. The company helps individuals and professionals secure coverage to replace lost income when injury or illness prevents them from working. Its team guides clients through policy options, explaining waiting periods and benefit amounts. The agency specializes in both short-term and long-term disability insurance plans tailored to different occupations and income levels.
Joel Fuessel - Secured First Financial of Texas - Independent Agent serves as a disability insurance agent for individuals and businesses in the Waco area. The practice assists clients in securing disability income protection policies that replace a portion of lost earnings during illness or injury. Ongoing support includes policy review, claims guidance, and benefit adjustments as coverage needs change over time. The agent services single-family homes, apartments, retail, and restaurants.
Central Texas Benefits serves clients in Waco and the surrounding McLennan County communities, handling disability insurance applications and policy needs. The company focuses on helping individuals secure income protection in case of injury or illness. It guides clients through plan selection and the application paperwork. To handle a typical job, the agent assesses a person's occupation and financial situation to recommend appropriate coverage options.
Rosalinda's Insurance Agency serves homeowners, businesses, and property managers in Waco, Texas, by offering disability insurance agent services. It assists clients in securing coverage that replaces a portion of income when illness or injury prevents work, helping to protect financial stability. The agency guides policyholders through plan options tailored to their employment situation and budget. Its coverage area also extends to neighboring communities within the McLennan County metro, including Hewitt.
ALPA Insurance serves clients in Waco, Texas, and the surrounding McLennan County communities. The agency handles applications for disability income protection policies designed to replace a portion of lost wages due to illness or injury. It focuses on helping local professionals and small business owners assess their personal coverage needs. For a typical client, the agency begins by reviewing the individual’s occupation and monthly expenses to recommend a plan that fits their budget and income risks.
Browder General Insurance Agency Inc in Waco, TX provides both initial consultation services that assess a client’s disability income needs and ongoing policy management that adjusts coverage as life circumstances change. Coverage assistance focuses on explaining how different disability insurance plans can replace a portion of lost income during illness or injury, thereby protecting financial stability. The agency operates on a scheduled basis, meaning appointments for plan reviews, claims support, or policy updates occur at prearranged regular intervals rather than only once or solely when an emergency arises.
Greater Waco Insurance Solutions provides specialized disability insurance agent services in Waco, Texas, focusing on income protection policies for local professionals and self-employed individuals. It offers general guidance on policy selection, helping clients assess coverage needs and compare plan options. With changes in workforce dynamics or the approach of flu season, the company assists clients in reviewing their current policies to ensure adequate coverage against a temporary or permanent loss of income.
As central Texans prepare for the occasional ice storm or summer storm damage, many workers in Waco consider how an unexpected injury could interrupt their income. Lillard Financial and Insurance Services addresses this concern by helping local residents navigate the process of securing disability insurance coverage. An agent at this firm explains how short or long-term policies might replace lost wages during a recovery period. To begin the conversation, an agent will first review an individual’s current employment benefits and personal financial obligations during an initial assessment meeting.
Elite Insurance Group focuses on helping individuals and businesses secure income protection through disability coverage. In Waco, Texas, this agency specializes in tailoring policies to replace lost wages if injury or illness prevents work. Listening carefully to each client ensures the right plan for their unique financial situation and occupation. Professional guidance clarifies waiting periods, benefit amounts, and premium structures. Supporting professionals at local offices, warehouses, and food service establishments, Elite Insurance Group assists in adapting coverage to the specific demands of those work environments.
Keith Sanders Insurance Group serves residents of Waco, Texas, helping individuals secure disability income protection against illness or injury. The agency also provides commercial disability coverage for local businesses, extending its services throughout the greater Waco area. Each policy is tailored to the client’s occupation and lifestyle. The team works closely with policyholders during initial enrollment to ensure proper coverage selection and then invites clients to return for annual policy reviews between regular visits to adjust benefits as needs change.
What Does a a Disability Insurance Agent in Waco Cost?
Disability insurance premiums in Texas typically range from 1 percent to 3 percent of your annual income. For a 50 thousand dollar annual salary a policy might cost between 500 and 1500 dollars per year. Costs depend on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Waco
Disability insurance agents in Waco Texas help individuals and businesses find the right coverage to protect income if injury or illness prevents work. Texas law does not require employers to provide disability insurance so many workers seek private policies. Local agents can explain how Texas insurance code affects policy terms and claim procedures.
Frequently Asked Questions
What does a disability insurance agent in Waco do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs and budget. They can explain important policy features like elimination periods and benefit durations. Agents also assist with filing claims and understanding Texas insurance regulations.
How do Texas laws affect disability insurance?
Texas does not mandate employers to provide disability insurance so most workers buy individual policies. The Texas Department of Insurance regulates insurers and requires clear policy language. Texas also has a two year statute of limitations for filing a lawsuit on a denied claim.
Can a disability insurance agent help with an existing claim?
Yes an agent can review your current policy and help you understand your benefits and claim requirements. They can also guide you on deadlines and documentation needed to avoid delays. However for a denied claim you may need a lawyer who specializes in insurance disputes.
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