The top-rated disability insurance agent in Kent, Washington is Heritage, rated 4.8 stars across 332 reviews. Other highly rated options include Scott Kizer - State Farm Insurance Agent, Vern Fonk Insurance, Kyle J MacVicar: Allstate Insurance. This directory lists 17 disability insurance agents serving Kent.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Heritage | 24401 104th Ave SE #102 | (253) 638-8142 |
| 2 | Scott Kizer - State Farm Insurance Agent | 13106 SE 240th St Suite 101 | (253) 398-2746 |
| 3 | Vern Fonk Insurance | 23830 Pacific Hwy S Ste 101 | (206) 408-5797 |
| 4 | Kyle J MacVicar: Allstate Insurance | 13121 SE Kent-Kangley Rd Ste 103 | (253) 639-1555 |
| 5 | Farmers Insurance - Kevin Busby | 13215 SE 240th St A | (253) 872-7366 |
| 6 | Scully Insurance Solutions | 302 W Harrison St Ste 106 | (253) 277-8922 |
| 7 | Key Insurance | Personal and Commercial Insurance Seattle | 1042 W James St # 103 | (206) 420-4270 |
| 8 | Michelle Lee: Allstate Insurance | 10803 SE Knt Kgly Rd Ste 201 | (253) 850-0999 |
| 9 | TrustPoint Insurance Service | 22440 Benson Rd SE | (253) 499-8822 |
| 10 | Rapid Insurance Service | 417 Ramsay Way | (253) 342-4304 |
Heritage serves the Kent, Washington area as a disability insurance agent. The company helps individuals and professionals secure income protection policies. These plans replace a portion of earnings if an injury or illness prevents work. Heritage guides clients through policy options tailored to different occupations and coverage needs. They assist with both short-term and long-term disability insurance solutions for local residents and businesses.
Scott Kizer - State Farm Insurance Agent in Kent, WA, provides disability insurance to help protect income if injury or illness prevents work. The office assists clients in evaluating coverage options and managing their policies over time. Service includes periodic policy reviews to ensure plans align with changes in health or employment. Regular maintenance helps adjust benefits or premiums as circumstances evolve. This agency supports individuals seeking coverage for personal financial security. It also serves small business owners, local professionals, and workers in various industries throughout the region, including retail and restaurant staff.
Some individuals seek occasional disability income advice while others require ongoing policy management. As a Disability Insurance Agent in Kent, Washington, Vern Fonk Insurance serves the local community by helping clients evaluate coverage options that protect earnings against unexpected illness or injury. Each client’s situation is assessed to match suitable plans from available providers, clarifying benefit periods and elimination periods. Service arrangements are flexible, running on either a one-time consultation basis or scheduled follow-ups as the client’s needs change.
Kyle J MacVicar: Allstate Insurance serves homeowners, renters, and local business owners in Kent, Washington, seeking disability income protection. The agency helps clients understand how disability insurance can replace a portion of lost earnings if an illness or injury prevents them from working. Personal consultations allow for tailored coverage recommendations that align with individual financial situations and household budgets. Additional support is offered to policyholders for filing claims and navigating benefit options during recovery. The agency also provides services to residents in the Covington area of the greater Seattle metro region.
Serving Kent, Washington, and the surrounding communities, Farmers Insurance - Kevin Busby handles disability insurance needs for local residents and professionals. The agency works with clients to understand how disability insurance can help replace a portion of lost income during recovery from illness or injury, offering essential financial protection. Kevin Busby’s approach focuses on reviewing each client’s specific occupation and lifestyle to tailor coverage, ensuring the policy aligns with their individual financial circumstances.
Scully Insurance Solutions in Kent, WA offers clients a choice between one-time policy evaluations and recurring coverage reviews to maintain appropriate protection. Disability insurance agents help individuals secure periodic income replacement if injury or illness prevents them from working. The company assists with understanding policy features such as benefit periods and elimination periods. Service runs on either a one-time consultation basis or a scheduled renewal cycle, depending on the client's ongoing need for coverage adjustments.
Key Insurance, a disability insurance agent serving Kent, Washington, offers specialized services that help people protect their income when illness or injury prevents them from working. The company works with individuals and small businesses to find coverage suited to their specific situations. It provides general client support throughout the application process and claims management. As seasonal changes bring increased physical activity among outdoor workers in the Pacific Northwest, this agent assists those seeking coverage for potential winter-related injuries.
As winter weather brings icy conditions to Kent and the surrounding region, slips and falls can create sudden medical needs that disrupt a household’s income. Michelle Lee at Allstate Insurance helps local residents select policies that protect earnings during such unexpected health events. Her service outlines the differences between short and long term coverage, ensuring clients understand how each option applies to their daily life. A typical first appointment involves reviewing a client’s current employment benefits and financial obligations to assess potential coverage gaps.
TrustPoint Insurance Service provides disability insurance for residents in and around Kent, Washington. The agency also advises local businesses on commercial disability coverage options to protect their teams across the region. Agents take time to explain policy details and match plans to individual income needs and health situations. Clients often return for policy reviews and adjustments between their regular check-ins or when their employment circumstances change.
What Does a a Disability Insurance Agent in Kent Cost?
Premiums for disability insurance in Washington vary based on age, occupation, benefit amount, and elimination period. A typical policy might cost between 1% and 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy that replaces 60% of income. Costs are higher for high-risk occupations or shorter waiting periods. This is general information, not insurance advice.
About disability insurance agents in Kent
Disability insurance agents in Kent, Washington help individuals and businesses find the right coverage to protect income if an injury or illness prevents work. Washington state law requires employers to provide paid family and medical leave, but private disability insurance can fill gaps in coverage. A local agent can explain how state benefits interact with private policies and help you choose a plan that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Kent do?
A disability insurance agent helps you compare policies from different carriers and select a plan based on your occupation and income. They also assist with understanding policy terms and filing claims. In Washington, agents must be licensed by the Office of the Insurance Commissioner.
How does Washington state paid leave affect private disability insurance?
Washington offers paid family and medical leave through the Employment Security Department. Private disability insurance can supplement this benefit but does not replace it. An agent can help you coordinate coverage so you are not overinsured or underinsured.
What is the typical claim process for disability insurance in Washington?
You must submit a claim to your insurance carrier with medical documentation. Washington law gives carriers 45 days to decide on a claim after receiving all necessary information. If denied, you have the right to appeal and request an internal review.
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