The top-rated disability insurance agent in Bremerton, Washington is Vern Fonk Insurance, rated 4.9 stars across 333 reviews. Other highly rated options include H&K Insurance Agency, Inc., Haley Insurance Agency Inc., Debbie Doll Insurance Agent Broker. This directory lists 15 disability insurance agents serving Bremerton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Vern Fonk Insurance | 3620 Wheaton Wy A | (360) 686-6069 |
| 2 | H&K Insurance Agency, Inc. | 3105 Wheaton Wy | (360) 377-7645 |
| 3 | Haley Insurance Agency Inc. | 400 Warren Ave UNIT 105 | (360) 626-6173 |
| 4 | Debbie Doll Insurance Agent Broker | 500 Pacific Ave UNIT 200 | (360) 302-3446 |
| 5 | Michael Gribbin: Allstate Insurance | 4040 Wheaton Wy Ste 211 | (360) 479-9850 |
| 6 | Allstate Insurance: West Hills Insurance Agency | 950 W Hills Blvd | (360) 616-3300 |
| 7 | Affordable Insurance Service | 243-249 4th St | (360) 282-0904 |
| 8 | Steve Kumar: Allstate Insurance | 3331 Kitsap Way B | (360) 373-6895 |
| 9 | Best Insurance WA | 2909 WA-303 | (425) 470-6908 |
| 10 | Jennifer S Fisher Lsw | 1217 Dr ML King Wy | (360) 698-9258 |
Vern Fonk Insurance in Bremerton, Washington, assists clients with securing disability insurance coverage designed to protect income in the event of illness or injury. The agency serves individuals and professionals throughout the area, helping them understand the specific policy options that align with their needs. They guide applicants through plan selection and the application process. For those with specialized occupations, the company can provide access to policies with tailored riders and benefit structures for added financial security.
H&K Insurance Agency, Inc. serves Kitsap County from its base in Bremerton, Washington, specializing as a disability insurance agent. The firm assists clients in securing coverage intended to replace a portion of lost income if an illness or injury prevents them from working. Policies are selected based on individual occupations, benefit amounts, and waiting periods that suit the policyholder’s financial situation. Common needs addressed include short-term and long-term disability plans designed to protect personal earnings over varying durations of absence.
Haley Insurance Agency Inc. provides disability insurance agent services to individuals and businesses throughout the Bremerton, Washington area. The agency works with clients to find policies that replace a portion of lost income if an injury or illness prevents them from working. It helps design coverage for short-term and long-term needs, explaining policy terms and benefit periods in clear detail. Ongoing policy maintenance and annual reviews of coverage needs are offered. The agency serves single-family homes, apartments, retail establishments, and restaurants.
Homeowners, renters, and local business owners in Bremerton turn to Debbie Doll Insurance Agent Broker for disability insurance coverage tailored to their personal and professional needs. The agency helps clients understand policy options that provide income protection when illness or injury prevents work. They guide individuals through the application process, ensuring each plan aligns with specific financial and lifestyle circumstances. The agency also serves clientele throughout Kitsap County and the Silverdale area.
Located in Bremerton, WA, Michael Gribbin: Allstate Insurance serves local clients needing disability insurance. A key distinction in this category lies between one-time policies, which provide a single lump sum for a covered disability event, and recurring service options that offer periodic benefit payments over the claim period. Coverage plans can replace a portion of lost income if injury or illness prevents work. This agency typically operates on an as-needed basis, allowing clients to schedule a consultation or file a claim request when their specific situation arises.
Serving Bremerton and the surrounding Kitsap County communities, Allstate Insurance: West Hills Insurance Agency handles disability insurance agent needs for local residents and workers. This agency helps individuals understand policies that provide income replacement benefits when illness or injury prevents them from working. They focus on explaining how disability coverage fits within a broader financial plan, ensuring clients know what their policy covers and does not cover. Their typical approach involves reviewing a client’s occupation and income level to tailor a coverage recommendation that meets specific personal circumstances.
Affordable Insurance Service in Bremerton, WA specializes in individual disability insurance policies that replace a portion of lost income due to illness or injury. The company also guides self-employed professionals, small business owners, and wage earners through the process of comparing benefit periods and elimination periods. For local residents, these services are particularly valuable for workers in the Puget Sound maritime and manufacturing sectors, who often face higher occupational risk during the rainy winter months.
As the rainy season in Bremerton approaches, many residents begin assessing their need for income protection. Steve Kumar: Allstate Insurance provides disability insurance agent services to local workers who want to prepare for unexpected illness or injury. This local agency helps individuals and families understand how disability coverage can replace lost wages during recovery. An agent reviews employment details, existing benefits, and monthly expenses to match a plan with a client’s budget and lifestyle. A straightforward initial assessment of current coverage and household income begins the process.
Best Insurance WA helps clients in Bremerton evaluate their needs for income protection and long-term coverage. As a local disability insurance agent, the company focuses on pairing individuals and businesses with policies that replace lost earnings during illness or injury. This firm assists office workplaces, warehouses, and food service operations by structuring plans that safeguard employee incomes and stabilize business cash flow when a key worker cannot perform their duties.
Jennifer S Fisher Lsw provides residential disability insurance agent services to individuals in the Bremerton area. The company also assists with commercial disability coverage, helping local small businesses protect their operations. Their professional guidance extends throughout the broader Kitsap County service region. Clients appreciate the straightforward explanations of policy options and claims processes. The office prioritizes thoughtful follow-up after an initial policy is secured, often offering further counsel before the next scheduled coverage review or during a change in the client’s circumstances.
What Does a a Disability Insurance Agent in Bremerton Cost?
Disability insurance agents in Washington typically charge a flat fee or hourly rate. Fees can range from 200 to 500 dollars for initial consultation and claim assistance. Some agents charge 100 to 300 dollars per hour for ongoing support. Costs vary based on the complexity of your case and the services needed. This is general information and not insurance advice.
About disability insurance agents in Bremerton
Disability insurance agents in Bremerton, Washington help residents navigate private disability policies and employer-sponsored plans. Washington state law requires insurers to respond to claims within 45 days under RCW 48.18.550. A local agent can guide you through the process and explain how state regulations protect your rights.
Frequently Asked Questions
What does a disability insurance agent in Bremerton do?
A disability insurance agent helps you file claims, gather medical evidence, and communicate with the insurance company. They also assist with appeals if your claim is denied. In Washington, agents must follow state licensing rules under RCW Title 48.
How long do I have to file a disability claim in Washington?
Washington law does not set a single deadline for all disability claims. Most private policies require you to file within 30 to 90 days of becoming disabled. Check your policy or ask an agent for your specific time limit.
Can a Bremerton agent help with an ERISA disability claim?
Yes, many disability insurance agents in Bremerton handle ERISA claims for employer-sponsored plans. ERISA is a federal law that sets strict deadlines for appeals. An agent can help you meet those deadlines and gather the right documentation.
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