The top-rated disability insurance agent in Lynnwood, Washington is Mosaic Insurance Alliance, Llc, rated 4.9 stars across 814 reviews. Other highly rated options include Villa Insurance Group, Vern Fonk Insurance, Sea-Mountain Insurance. This directory lists 18 disability insurance agents serving Lynnwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mosaic Insurance Alliance, Llc | 16108 Ash Way #201 | (425) 320-4280 |
| 2 | Villa Insurance Group | 20006 Cedar Valley Rd Ste. 202 | (425) 771-9000 |
| 3 | Vern Fonk Insurance | 3225 Alderwood Mall Blvd Suite D | (425) 434-4030 |
| 4 | Sea-Mountain Insurance | 19630 76th Ave W | (425) 775-1410 |
| 5 | Michelle Tullius: Allstate Insurance | 16418 7th Pl W Ste C | (425) 337-7151 |
| 6 | Lynnwood Ace Insurance & Retirement Services | 3301 184th St SW Ste 115 | (425) 678-6901 |
| 7 | Empire Insurance Brokers | 19401 40th Ave W #270 | (866) 774-1324 |
| 8 | Hood Insurance Agency, Inc | 17925 Hwy 99 Ste 202 | (425) 689-5855 |
| 9 | The Pleasant Agency: Allstate Insurance | 4100 194th St SW #300 | (425) 775-1920 |
| 10 | City Insurance Center | 4610 200th St SW c | (425) 412-3665 |
Mosaic Insurance Alliance, Llc, serving Lynnwood and greater Snohomish County, functions as a disability insurance agent. The company assists individuals and professionals in the area by explaining policy options that provide income protection if they become unable to work due to illness or injury. Agents evaluate client needs to match them with suitable private plans that supplement employer coverage or stand alone. Mosaic Insurance Alliance handles both short-term and long-term disability insurance applications for local residents.
Villa Insurance Group assists clients in Lynnwood, Washington, with securing disability insurance coverage tailored to individual financial needs. It offers services that include policy selection guidance and ongoing support for policy maintenance and claims. The company helps clients evaluate optional riders and benefit terms to align with their personal circumstances. Its service approach emphasizes clear communication about policy details and coverage limits. Villa Insurance Group serves individuals living in single-family homes, as well as tenants in apartments and owners of retail and restaurant properties.
Vern Fonk Insurance serves residents of Lynnwood, Washington, with disability insurance protection tailored to individual needs. Commercial disability coverage is also available for local businesses seeking to safeguard their operations. Service extends throughout the Lynnwood area and surrounding communities. Clients receive thorough explanations of policy options to support informed decisions. Claims assistance is provided to help navigate the process efficiently. Follow-up conversations between regular policy reviews are offered to address any changes in coverage requirements.
Sea-Mountain Insurance serves homeowners, business owners, and professionals in Lynnwood, Washington, who need disability insurance to protect their income. The agency helps clients evaluate policy options for short-term and long-term coverage, ensuring they understand benefit periods and elimination periods. This work is especially important for self-employed individuals and small business operators in the area, who rely on steady earnings. The firm also provides its disability insurance agent services to residents and workers in nearby Everett and the greater Snohomish County metro.
Serving Lynnwood and the surrounding communities of Snohomish County, Michelle Tullius: Allstate Insurance handles disability insurance coverage for local residents. This type of insurance agent helps clients understand options to protect their income if they become unable to work due to illness or injury. The agency works with individuals to review personal financial situations and policy features. A typical job begins with an initial consultation to discuss client needs, then proceeds with comparing available plans to find a suitable fit for the client’s budget and circumstances.
At Lynnwood Ace Insurance & Retirement Services in Lynnwood, WA, clients choose between one-time policy evaluations for immediate disability income needs or recurring consultations that adjust coverage as circumstances evolve. The agency assists local workers in selecting policies that replace a portion of their salary during illness or injury, ensuring financial stability through tailored benefit periods and elimination riders. Service runs on a one-time, scheduled, or as-needed basis, depending on the complexity of each individual's employment situation and desired protection level.
As a disability insurance agent in Lynnwood, WA, Empire Insurance Brokers assists clients in selecting policies that provide income replacement during medical leave. It works with individuals to understand short-term and long-term disability coverage options, matching benefits to personal or professional circumstances. Guiding clients through application details is a typical part of its service. Approaching the winter holiday season, this agency often helps staff in local industries prepare for potential seasonal injuries that could interrupt earnings and require sustained leave.
During the rainy winter months, Lynnwood residents often review their financial protections against unexpected illnesses or injuries. Hood Insurance Agency, Inc specializes in disability insurance, offering policies that replace a portion of lost income when a medical condition prevents work. Their agents explain the differences between short-term and long-term coverage, helping clients understand elimination periods and benefit durations. The initial step involves a complimentary consultation to assess current income needs and employment benefits before any premium quotes are provided.
The Pleasant Agency: Allstate Insurance in Lynnwood, Washington, helps individuals and businesses evaluate their need for income protection through disability insurance. It specializes in offering policies that replace a portion of earnings if an illness or injury prevents work. The agency guides clients through plan options to match their daily responsibilities and long-term financial goals. It serves professionals in local offices, warehouses, and food service operations seeking to safeguard their livelihoods.
City Insurance Center provides residential disability insurance services to individuals in and around Lynnwood, Washington. The agency also handles commercial coverage for small and mid-sized businesses operating in the same area. Agents evaluate specific client needs to recommend appropriate policy structures. Coverage guidance typically includes both short-term and long-term benefit options. Clients can expect clear, professional support throughout the application process. Follow-up consultations are routinely scheduled to adjust coverage between regular annual reviews.
What Does a a Disability Insurance Agent in Lynnwood Cost?
Disability insurance costs in Washington typically range from 1% to 3% of your annual income for a policy with a 90-day waiting period and benefits to age 65. For a 40-year-old earning $60,000 per year, premiums may be $50 to $150 per month. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Lynnwood
Disability insurance agents in Lynnwood help individuals and businesses secure income protection policies. Washington state law requires employers to provide paid family and medical leave, but private disability insurance can offer additional coverage. A local agent can guide you through policy options that comply with Washington regulations.
Frequently Asked Questions
What does a disability insurance agent in Lynnwood do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage terms and assist with the application process. They also help you understand how Washington state leave laws interact with private plans.
How is Washington state disability insurance different from private coverage?
Washington offers a state-run Paid Family and Medical Leave program that provides partial wage replacement. Private disability insurance can supplement this with higher benefit amounts and shorter waiting periods. An agent can help you coordinate both types of coverage.
Do I need a disability insurance agent if I already have employer coverage?
Employer group plans may have limits on benefit duration or amount. An agent can review your existing coverage and recommend an individual policy to fill gaps. This is especially important for self-employed residents of Lynnwood.