The top-rated disability insurance agent in Bountiful, Utah is Farmers Insurance - Mason Crapo, rated 5.0 stars across 677 reviews. Other highly rated options include Health Insurance Specialists, John Henry Smith Insurance, Chad Bangerter: Allstate Insurance. This directory lists 16 disability insurance agents serving Bountiful.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Mason Crapo | 106 W 500 S Suite 100 | (801) 683-3668 |
| 2 | Health Insurance Specialists | 533 W 2600 S #305 | (801) 718-0051 |
| 3 | John Henry Smith Insurance | 563 W 2600 S | (801) 683-3200 |
| 4 | Chad Bangerter: Allstate Insurance | 48 400 S | (801) 797-2799 |
| 5 | Curtis J. Vernon Insurance | 46 W 200 S | (801) 292-5529 |
| 6 | CLEAR Insurance Solutions | 110 N Main St | (801) 292-5327 |
| 7 | Axcess Insurance Group | 3263 US-89 #400 | (801) 295-0754 |
| 8 | Goosehead Insurance - Patrick Packer | 74 500 S # 110 | (801) 889-1395 |
| 9 | Heather Hansen American Family Insurance | 1468 N Main St | (801) 296-2557 |
| 10 | Max Outsen Farmers Insurance Agency | 96 N 500 W Ste 270 | (801) 928-2582 |
Farmers Insurance - Mason Crapo serves the Salt Lake City metro area, including Bountiful, Utah, as a disability insurance agent. The company assists clients with protecting their income through disability policies that provide financial security during illness or injury. It works with individuals and families to evaluate coverage needs and find suitable plans. Specific services include short-term and long-term disability insurance solutions tailored to local workers.
Health Insurance Specialists in Bountiful, UT, provides a range of services including new disability insurance policy setup and the evaluation of existing coverage needs. It offers ongoing service and policy maintenance to help ensure that clients’ plans remain current with their financial situations and local employment requirements. The firm assists local residents with understanding disability insurance options and filing claims when necessary. Its team services the insurance needs of single-family homes, apartments, retail, and restaurants across the area.
Homeowners, landlords, and small business operators in Bountiful, UT rely on John Henry Smith Insurance for disability insurance agent services. The company helps clients understand how disability coverage protects personal income against unexpected illness or injury. Policy options are explained clearly so individuals can select plans that match their specific employment situations and financial obligations. The firm typically assists residents of Bountiful as well as those in the surrounding North Salt Lake area.
Chad Bangerter: Allstate Insurance serves clients in Bountiful, Utah, and the surrounding communities throughout Davis County. It handles disability insurance policies designed to help replace a portion of income if an illness or injury prevents the policyholder from working. For a typical job, the agent first reviews the individual’s current coverage and occupation, then discusses the waiting period and benefit duration that best align with their financial needs.
For individuals needing ongoing income protection, a disability insurance agent provides long-term coverage policies, while a single short-term policy may suffice for specific temporary needs. Curtis J. Vernon Insurance in Bountiful, UT, assists clients in evaluating these distinct approaches to safeguard their earnings. The agent explains benefit periods, elimination periods, and occupation-specific definitions. Service is provided on an as-needed basis, accommodating each client’s unique schedule and current insurance requirements.
CLEAR Insurance Solutions specializes in assisting individuals with disability insurance applications and policy selection in Bountiful, UT. The agency also provides ongoing service work, including policy reviews and claims guidance for existing policyholders. Its focus remains on helping local professionals and families understand the nuances of income protection coverage. For those facing the onset of the winter holiday season when workplace accidents often increase, the agency helps ensure coverage aligns with current employment and financial circumstances.
Axcess Insurance Group works with individuals and small businesses to develop customized disability coverage options in Bountiful, Utah. The company focuses on income protection policies that replace a portion of salary if illness or injury prevents work. It specializes in offering long-term and short-term plans tailored to specific job risks and recovery timetables. Clients can also include optional riders for cost-of-living adjustments or partial disability benefits. The firm serves commercial sectors including office environments, warehouses, and food service establishments.
Goosehead Insurance - Patrick Packer offers disability insurance agent services for residents in Bountiful and the surrounding Utah area. Commercial coverage is also available to help local businesses protect their workforce against income loss from injury or illness. The agency focuses on tailoring policies to match individual career demands and financial situations. Clients can expect thorough follow-up support to adjust coverage between regular visits as needs evolve with life changes.
As the seasons change and local weather brings new risks, many Bountiful residents review their financial plans to ensure their income remains protected. Heather Hansen American Family Insurance serves this community as a disability insurance agent, helping clients understand how coverage can replace lost earnings during an unexpected illness or injury. Policies are designed to pay a portion of salary directly to the policyholder throughout a disability period. An initial assessment begins with a review of current income and any existing employer coverage.
Max Outsen Farmers Insurance Agency in Bountiful, UT, is known for providing disability insurance policies that help replace income if an illness or injury prevents work. The agency serves clients throughout the local area by explaining how different benefit periods and elimination periods affect premiums. They assist both individuals and professionals in comparing policy features from standard carriers. A specialty service this agency can add on is a rider for future purchase options, allowing coverage increases as income grows.
What Does a a Disability Insurance Agent in Bountiful Cost?
Disability insurance agent services in Utah are typically paid through commissions from the insurance carrier, not directly by you. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 40-year-old office worker might pay between 1% and 3% of their annual income for a long-term disability policy. Costs can be higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Bountiful
Disability insurance agents in Bountiful, Utah help individuals and businesses secure income protection. Utah law requires insurers to follow specific claim handling rules under the Utah Insurance Code. Local agents understand the unique needs of Bountiful residents and can explain policy options for short-term and long-term disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Bountiful do?
A disability insurance agent helps you find and apply for disability coverage. They explain policy terms, compare plans from different carriers, and assist with claims. In Utah, agents must be licensed by the Utah Insurance Department.
How long do I have to file a disability claim in Utah?
Utah does not set a single deadline for all disability claims. The time limit depends on your policy terms. Most policies require you to notify the insurer within 30 days of becoming disabled and file a formal claim within 90 days.
Can a disability insurance agent help with an appeal in Utah?
Yes, many agents assist with claim appeals. Under Utah law, insurers must provide a clear explanation for any denial. An agent can review the denial letter and help you gather additional medical evidence to support your appeal.
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