The top-rated disability insurance agent in Salem, Virginia is Northpoint Insurance Advisors, rated 5.0 stars across 203 reviews. Other highly rated options include My Insurance People, Darrell Holland - State Farm Insurance Agent, Business Solutions, Inc. This directory lists 17 disability insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Northpoint Insurance Advisors | 522 E Main St | (540) 387-9148 |
| 2 | My Insurance People | 1617 E Main St | (540) 401-6789 |
| 3 | Darrell Holland - State Farm Insurance Agent | 205 W Main St | (540) 389-1220 |
| 4 | Business Solutions, Inc | 303 E Burwell St | (540) 444-4000 |
| 5 | Ryan Harris Group - a Hilb Group Company | 603 Apperson Dr | (540) 375-9078 |
| 6 | Burgess DeMarco & Flick Insurance | 730 Apperson Dr | (540) 375-3231 |
| 7 | Futurity First: Don Lilly Agency | 2820 Keagy Rd | (540) 380-8340 |
| 8 | Jacob Lewis - State Farm Insurance Agent | 15 S College Ave | (540) 389-3200 |
| 9 | Craighead-Zimmerman & Associates | 27 E Clay St | (540) 389-1203 |
| 10 | Larry Wills & Associates Insurance | 158 W 4th St | (540) 389-8500 |
Northpoint Insurance Advisors serves the Salem, VA area as a disability insurance agent. The company helps individuals and small business owners evaluate their income protection needs and find appropriate disability policies. Disability insurance provides financial support if an illness or injury prevents someone from working. The agents guide clients through the options available in the local market. Northpoint Insurance Advisors specifically handles both short-term disability coverage for temporary recoveries and long-term disability insurance for extended periods of lost income.
My Insurance People in Salem, VA helps clients understand and secure disability insurance coverage to protect their income. The agency offers guidance on selecting appropriate policy types and coverage levels. Ongoing plan maintenance includes reviewing existing policies for relevance and assisting with documentation for potential claims. This disability insurance agent services a range of local properties that represent client income sources, including single-family residences, apartment complexes, retail establishments, and restaurants.
Homeowners, local business owners, and renters in Salem, Virginia, rely on Darrell Holland - State Farm Insurance Agent for disability insurance coverage. The agency helps clients understand how income protection plans can safeguard their finances during unexpected illnesses or injuries. Policies are tailored to individual needs, ensuring adequate support for lost wages. Residents in nearby Roanoke also benefit from these disability insurance services, making coverage accessible throughout the broader metropolitan area.
Serving Salem, VA, and the surrounding communities in the Roanoke Valley, Business Solutions, Inc handles disability insurance needs for local residents. The company addresses situations where an illness or injury prevents a client from working and earning an income. Coverage options are explained to help protect an individual’s financial stability during a recovery period. For a typical client job, the agency reviews current earnings and then matches those figures with appropriate policy benefit amounts and elimination periods.
Ryan Harris Group - a Hilb Group Company, located in Salem, Virginia, specializes in disability insurance agent services, helping professionals protect their income in the event of illness or injury. The firm also assists individuals and local businesses with policy comparisons, claims support, and coverage adjustments. As winter approaches and seasonal hazards like slips on icy surfaces or flu complications become a concern, the company helps clients review their short-term and long-term disability policies to ensure proper financial coverage is in place.
Burgess DeMarco & Flick Insurance of Salem, VA assists clients with either a single, one-time policy review or an ongoing, recurring service relationship. Their disability insurance agent work focuses on securing coverage that replaces a portion of lost income if illness or injury prevents work. This office understands that the income of a local professional or small-business owner is a family’s most valuable asset. Service runs on a one-time basis for a single policy purchase, on a scheduled basis for annual plan reviews, or as-needed for claim support with an existing policy.
Futurity First: Don Lilly Agency works with individuals and businesses in Salem, Virginia, to arrange disability insurance coverage. The agency specializes in policies designed to replace a portion of income if an injury or illness prevents a person from working. These plans help protect against financial hardship during recovery. The agency can assist office professionals, warehouse staff, and food service operations in securing appropriate income protection policies tailored to their specific work environments.
Jacob Lewis - State Farm Insurance Agent in Salem, VA provides disability insurance services to local residents from their homes. Commercial coverage is also available for businesses needing income protection for employees or the owner. The agency serves clients throughout the Salem area and surrounding communities in the Roanoke Valley. Policyholders can expect clear guidance on plan options during their initial consultation, with the agent offering follow-up support between regular visits to address any changes or questions that arise.
For individuals in Salem facing the uncertainty of lost income due to an unexpected illness or injury, securing personal financial protection is essential. As a dedicated disability insurance agent in this community, Craighead-Zimmerman & Associates helps clients understand how a tailored policy can safeguard earnings during recovery. The agency assists area professionals in comparing policy features, eliminating common coverage gaps, and selecting appropriate elimination periods or benefit durations. For those wanting to review their current situation, the initial consultation typically involves a straightforward assessment of individual income needs and employment coverage details.
Larry Wills & Associates Insurance in Salem, VA, is known for guiding clients through the process of securing disability insurance to protect their income. The agency serves individuals and local businesses, offering policies that replace a portion of lost earnings due to illness or injury. Its services include evaluating coverage needs and comparing options from multiple carriers. The firm can also provide a specialty addition for short-term disability benefits, bridging gaps until long-term coverage begins.
What Does a a Disability Insurance Agent in Salem Cost?
Disability insurance agent services in Salem Virginia are typically free for policy buyers because agents earn commissions from insurance carriers. Premiums for individual disability policies in Virginia range from 1% to 3% of your annual income. Group plans through employers often cost less per month. Costs vary based on age, occupation, health, and benefit amounts. This is general information and not insurance advice.
About disability insurance agents in Salem
Disability insurance agents in Salem Virginia help individuals and businesses secure income protection policies. Virginia law requires agents to be licensed by the State Corporation Commission. Local agents can guide you through group and individual plans that meet your needs.
Frequently Asked Questions
What does a disability insurance agent in Salem do?
A disability insurance agent in Salem helps you compare policies from different carriers. They explain benefit periods, elimination periods, and coverage options. They do not provide legal advice but can help you understand policy terms.
How do Virginia laws affect disability insurance?
Virginia does not require employers to provide short-term disability insurance. However, group policies must follow Virginia insurance regulations. Agents must disclose policy exclusions and limitations as required by state law.
Can a Salem agent help with an existing disability claim?
Yes, a Salem disability insurance agent can review your current policy and explain your benefits. They can also help you file a claim and communicate with the insurance company. For denied claims, you may need to consult a lawyer.
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