The top-rated disability insurance agent in Midlothian, Virginia is Cindy Shumaker - State Farm Insurance Agent, rated 5.0 stars across 278 reviews. Other highly rated options include Knight Magee Insurance, Sumser Insurance Professionals, Sanford Insurance. This directory lists 19 disability insurance agents serving Midlothian.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cindy Shumaker - State Farm Insurance Agent | 15871 City View Dr Suite 310 | (804) 794-4304 |
| 2 | Knight Magee Insurance | 14321 Winter Breeze Dr Suite 135 | (804) 320-0129 |
| 3 | Sumser Insurance Professionals | 104 Walton Park Ln | (804) 423-8372 |
| 4 | Sanford Insurance | 5001 Craig Rath Blvd | (804) 716-8940 |
| 5 | Virginia's Health Insurance Agent, Inc. | 6500 Harbour View Ct | (804) 500-9960 |
| 6 | Thurston and Heare Insurance | 1216 Crowder Dr | (804) 717-8283 |
| 7 | Virginia Insurance Services | 1 Park W Cir #100 | (804) 744-3345 |
| 8 | Southside Insurance | 1141 Jefferson Green Cir | (804) 897-5350 |
| 9 | Heritage Insurance Partners | 13104 Midlothian Tpke | (804) 794-4500 |
| 10 | Springer Insurance | 5925 Harbour Park Dr | (804) 739-9500 |
Cindy Shumaker - State Farm Insurance Agent serves the Midlothian, VA area as a disability insurance agent dedicated to helping individuals and families. The agency focuses on explaining how disability coverage can protect income if an injury or illness prevents someone from working. Clients can receive guidance on personal disability policies designed for everyday wage earners. These services include assessing individual needs for short-term or long-term disability plans that provide financial support during recovery periods.
Knight Magee Insurance offers a range of disability insurance agent services in Midlothian, VA. It assists clients in understanding and selecting income protection policies to safeguard against the financial impact of an illness or injury. The company helps individuals and business owners evaluate their coverage needs and navigate plan options. Its service includes ongoing policy reviews to ensure that coverage remains aligned with changing personal or professional circumstances. Knight Magee Insurance services single-family homes, apartments, retail establishments, and restaurants.
Sumser Insurance Professionals in Midlothian, Virginia, serves individuals, families, and local business owners who need financial protection against lost income due to injury or illness. The agency helps clients assess their current coverage and select appropriate disability insurance policies to safeguard their earnings and financial stability. Its work includes guiding clients through policy options from various carriers to find suitable terms for their unique situations. The company also serves the greater Richmond area, including communities like Chesterfield and Bon Air.
Sanford Insurance serves clients in Midlothian, Virginia, and the surrounding communities of Chesterfield and Richmond, handling disability insurance placement for individuals and local businesses. The company addresses a range of needs including short-term and long-term coverage options. A typical job begins with a thorough review of the client's occupation and income to identify appropriate policy features. It then follows a direct and detailed comparison of plans from multiple carriers to match the specific risk the client wants to cover.
Virginia’s Health Insurance Agent, Inc. specializes in providing disability insurance policies that replace a portion of income if an illness or injury prevents work. Based in Midlothian, VA, the firm assists local professionals and self-employed individuals with assessing coverage options tailored to their earnings and daily expenses. The agent guides clients through plan details, explaining waiting periods and benefit durations to ensure informed decisions. As open enrollment periods approach or after a sudden accident disrupts steady employment, the company helps residents secure income protection before an urgent need arises.
In Midlothian, VA, Thurston and Heare Insurance provides disability insurance agent services. They assist clients in distinguishing between one-time policy evaluations and recurring review options for income protection. When securing coverage, the agent helps navigate individual plans that replace lost earnings due to illness or injury. These policies are tailored to reflect personal occupation risks and income levels. Service runs on an as-needed basis, allowing clients to schedule consultations when their coverage needs or financial circumstances change.
After an unexpected illness or injury alters a family’s routine in the Midlothian area, securing income protection becomes an immediate concern. Virginia Insurance Services helps local workers understand how replacing a portion of their paycheck during a disability can help manage household expenses. As a dedicated disability insurance agent, the company focuses on matching policy options to individual occupational risks and financial situations. Residents can begin the process by scheduling a personal consultation to review their current coverage and potential needs.
Southside Insurance assists local workers with disability coverage that protects income during illness or injury. The Midlothian, VA agency focuses on tailored policies that address individual risk scenarios and financial needs. Clients receive guidance through the application and claim processes to secure monthly benefits. Since work environments vary, the agent serves commercial sectors that include offices, warehouses, and food service operations.
Heritage Insurance Partners serves individuals living in Midlothian, Virginia, who need income protection for long-term disabilities. The agency also assists local business owners in Midlothian with group disability policies that safeguard their commercial operations against key-person loss. Coverage is offered to residents and companies throughout the greater Midlothian area, including surrounding suburbs and rural communities within Chesterfield County. After an initial policy setup, clients frequently return for annual coverage reviews to adjust benefits before their regular open enrollment periods or life changes occur.
Springer Insurance in Midlothian, VA, is known for helping local professionals secure disability income protection. The agency serves individuals seeking to replace a portion of their earnings if illness or injury prevents them from working. It guides clients through policy options tailored to various occupations and personal risk levels. This coverage often acts as a financial safety net during recovery periods. As an added specialty service, the agency can assist small business owners in structuring group disability plans for their employees.
What Does a a Disability Insurance Agent in Midlothian Cost?
Disability insurance costs in Virginia vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old professional earning 100,000 dollars, a policy might cost 100 to 300 dollars per month. This is general information, not insurance advice.
About disability insurance agents in Midlothian
Disability insurance agents in Midlothian Virginia help individuals and businesses secure income protection. Virginia law requires agents to be licensed by the State Corporation Commission. Local agents can guide you through policy options and assist with claims for short-term or long-term disability benefits.
Frequently Asked Questions
What does a disability insurance agent in Midlothian do?
A disability insurance agent helps you choose a policy that fits your needs. They explain benefit periods, elimination periods, and occupation definitions. They can also assist with filing claims and understanding Virginia insurance regulations.
How long do I have to file a disability claim in Virginia?
Virginia does not set a specific deadline for filing a disability claim, but most policies require prompt notice. Typically you should notify your insurer within 30 days of becoming disabled. Check your policy for exact time limits.
Are disability insurance benefits taxable in Virginia?
If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits may be taxable as income. Virginia follows federal tax rules for disability benefits.
Disability Insurance Agents in Other Virginia Cities
Alexandria · Annandale · Arlington · Ashburn · Blacksburg · Centreville · Chantilly · Charlottesville · Chesapeake · Chester · Fairfax · Fredericksburg · Gainesville · Glen Allen · Hampton