The top-rated disability insurance agent in Blacksburg, Virginia is Northpoint Insurance Advisors, rated 4.9 stars across 331 reviews. Other highly rated options include Nick Javins - State Farm Insurance Agent, Brandon Semones - State Farm Insurance Agent, Brown Insurance. This directory lists 12 disability insurance agents serving Blacksburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Northpoint Insurance Advisors | 700 N Main St Suite BB | (540) 953-2383 |
| 2 | Nick Javins - State Farm Insurance Agent | 712 S Main St | (540) 552-0841 |
| 3 | Brandon Semones - State Farm Insurance Agent | Colony Prk, 1995 S Main St STE 901 | (540) 961-2886 |
| 4 | Brown Insurance | 100 Hubbard St # A | (540) 552-5331 |
| 5 | Dodge Insurance Agency | 210 Professional Park Dr STE 12 | (540) 552-3493 |
| 6 | Durkee Insurance | 136 Oak Meadow Ln | (540) 530-4676 |
| 7 | Victoria L. Deal: Allstate Insurance | 2001 S Main St Ste 101 | (540) 953-2722 |
| 8 | Best Choice Insurance Virginia | 1307 University City Blvd | (540) 554-1670 |
| 9 | Mary L. Henderson - New York Life Insurance | 1999 S Main St STE 403 | (540) 961-1003 |
| 10 | New York Life | 2001 S Main St | (540) 961-2119 |
Northpoint Insurance Advisors provides disability insurance services in Blacksburg, Virginia, including policy analysis and claims assistance. The firm helps clients understand their coverage and navigate the application process for income protection plans. It also offers ongoing policy reviews to ensure adequacy as circumstances change. Addressing the needs of local professionals and business owners, the company works with those seeking to safeguard their earnings against unforeseen medical events. Its services cover individuals and small business entities, including single-family homes, apartments, retail, and restaurants.
Nick Javins - State Farm Insurance Agent serves the Blacksburg, Virginia area as a disability insurance agent. The agency assists local residents and businesses with securing financial protection in the event of an illness or injury that prevents work. Tailored disability income insurance policies are offered to individuals, helping replace lost wages during recovery. Group disability plans for small employers are also available to support workforce stability.
Brandon Semones in Blacksburg, VA offers a full range of disability insurance services, focusing on helping professionals understand their options for income protection. The agency provides general assistance with policy consultations and guidance on maintaining coverage over time. They serve local clients, including individuals and families, who rely on steady income. Typical properties serviced in this area include single-family homes, apartments, retail spaces, and restaurants.
Brown Insurance serves homeowners and local businesses in Blacksburg who need to secure income protection through disability coverage. The agent works with clients to explain how group or individual policies can replace earnings if injury or illness prevents work. Navigating policy options and medical underwriting is the core of this service. By helping customers compare benefit periods and elimination periods, the agent ensures coverage fits individual budgets. This Blacksburg agency also extends its disability insurance advising to residents and commercial clients in the greater New River Valley area.
Serving Blacksburg, Virginia, and the surrounding New River Valley communities, Dodge Insurance Agency handles disability income protection policies for local residents. This agency assists clients in addressing a fundamental financial risk, helping to secure coverage that can replace a portion of earned income if an injury or illness prevents them from working. To manage a typical job, the agent begins by reviewing the individual's occupation and current earnings, then presents policy options that match the client's specific needs and budget requirements.
Durkee Insurance specializes in offering disability insurance options to protect income and financial stability. It serves clients throughout Blacksburg, Virginia, providing guidance on policy selection and enrollment. The agency works with individuals and professionals to understand coverage needs. As local agents, they offer personalized consultations to clarify benefit terms and plan limitations. Disability insurance helps ensure financial resilience when illness or injury prevents work. This service proves especially valuable for new parents planning for parental leave or workers approaching the later stages of their careers.
Disability insurance in the Blacksburg area can be structured either as a one-time income protection product or as a recurring form of coverage that renews within set terms. Victoria L. Deal: Allstate Insurance offers guidance on these distinct policy options for local residents. Coverage is typically designed to replace a portion of lost earnings if the policyholder becomes unable to work due to injury or illness. Services run on an as-needed basis, working directly with clients exploring this specific form of financial protection.
As the seasons change in Blacksburg, many local workers begin to think about how an unexpected injury could impact their household income. Best Choice Insurance Virginia assists clients by explaining how a regular paycheck can still arrive during extended medical leave. Their agents focus on policy details that matter most for professionals and tradespeople alike. Each initial consultation begins with a careful review of the individual’s current earnings and health status. A thorough assessment determines which plan options will match that specific financial situation.
Mary L. Henderson - New York Life Insurance assists individuals and businesses in Blacksburg, VA, with financial protection strategies. The agency specializes in disability insurance, offering coverage designed to replace income if a client becomes unable to work due to injury or illness. It helps tailor policies to protect earnings and maintain financial stability during recovery periods. The agency serves a range of commercial sectors, including local offices, warehouses, and food service operations, each requiring distinct disability coverage solutions.
Serving residential clients in Blacksburg, Virginia, this New York Life disability insurance agent also handles commercial coverage for local businesses in the surrounding Montgomery County area. They help individuals and employers understand how disability policies protect income against accidents or illness. Clients often revisit during policy review periods or life changes to adjust coverage as needs evolve, ensuring consistent protection between regular annual assessments.
What Does a a Disability Insurance Agent in Blacksburg Cost?
Typical costs for disability insurance in Virginia range from 1% to 3% of your annual income. For a $50,000 annual income, a policy might cost $500 to $1,500 per year. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Blacksburg
Disability insurance agents in Blacksburg, Virginia help residents protect their income if they cannot work due to illness or injury. Virginia law requires agents to be licensed by the State Corporation Commission. Agents in Blacksburg can explain how Virginia state disability benefits interact with private policies.
Frequently Asked Questions
What does a disability insurance agent in Blacksburg do?
A disability insurance agent helps you choose a policy that fits your needs and budget. They explain policy terms, exclusions, and how Virginia law affects your coverage. They do not provide legal advice but can guide you on filing claims.
How do I know if I need disability insurance in Virginia?
If you rely on your income to pay bills, disability insurance can be important. Virginia does not offer state-paid short-term disability like some states. Private coverage can help replace lost wages if you become disabled.
What Virginia laws affect disability insurance policies?
Virginia Code Section 38.2-3407 requires policies to include a grace period of at least 30 days. Virginia also has a two-year limit on contesting a policy for misstatements. Agents must follow these rules when advising clients.
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