Disability insurance plays a pivotal role in financial security, helping individuals protect their income should they become unable to work due to disability. In North Carolina, a variety of companies operate within this sector, including independent brokers and specialized agencies. They provide a range of products, from individual policies to group benefits catered for businesses. With growing awareness around the importance of income protection, the industry is seeing an upward trend as more individuals and employers recognize the need for robust coverage. As healthcare challenges persist, this industry's adaptability will likely drive innovation and new offerings.

The disability insurance companies in North Carolina vary in size and focus, with many small to medium-sized agencies present. Established from the mid-20th century to the early 2000s, they often emphasize personalized service and client relationships. These companies operate out of major cities like Charlotte, Raleigh, and Asheville, catering to both individuals and businesses. Their service offerings range from life and disability insurance to employee benefit programs, showcasing their dedication to tailored solutions that fit their clients' unique needs.

Continue reading to discover the top disability insurance companies in North Carolina.

Top 21 Disability Insurance Companies in North Carolina

1. The Delaney Agency

• Website: sfgdelaney.com
• Ownership type: Private
• Headquarters: Asheville, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2011
• Headcount: 201-500
• LinkedIn: the-delaney-agency

The Delaney Agency, based in Asheville, North Carolina, is a private insurance agency founded in 2011. With a team of approximately 33 employees, the agency specializes in a variety of insurance products, including life, disability, and retirement insurance. They focus on serving individuals and families, aiming to provide financial protection through customized insurance solutions. The agency operates by connecting clients with over 30 top insurance carriers, allowing them to find the best coverage options tailored to their specific needs. Their involvement in the disability insurance sector is notable, as they offer policies designed to protect income in the event of a disability, ensuring clients can maintain financial stability during challenging times. The Delaney Agency's commitment to client service and their strategic partnerships position them as a relevant player in the insurance industry.

2. GP Agency Brokerage

• Website: gpagency.com
• Ownership type: Private
• Headquarters: Raleigh, North Carolina, United States (USA)
• Employee distribution: United States (USA) 95%, Spain 5%
• Founded year: 1985
• Headcount: 11-50
• LinkedIn: gp-agency-brokerage

GP Agency Brokerage, based in Raleigh, North Carolina, is an independently owned insurance brokerage firm that has been serving clients since 1985. The company specializes in a variety of insurance products, including life, disability, and long-term care insurance, as well as annuity solutions. With a workforce of approximately 11-50 employees, GP Agency focuses on empowering independent insurance producers by providing comprehensive marketing services, training, and back-office support. Their strategic alliances with nearly 50 top-rated insurance carriers enable them to offer competitive solutions tailored to the needs of their clients. Over the years, GP Agency has built a reputation for exceptional service and has received industry recognition for its market share excellence, particularly in multi-product line business. Their commitment to continuous improvement and adaptation to industry changes further solidifies their position in the insurance market.

3. MassMutual Carolinas

• Website: carolinas.massmutual.com
• Ownership type: Private
• Headquarters: Charlotte, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1935
• Headcount: 51-200
• LinkedIn: massmutualcarolinas

MassMutual Carolinas, based in Charlotte, North Carolina, has been a significant player in the financial services sector since its founding in 1935. The company specializes in a range of offerings, including life insurance, investment management, and financial planning. With a team of over 100 financial professionals, they serve nearly 64,725 clients across the Carolinas, providing customized solutions aimed at achieving financial security. Their commitment to understanding client needs is evident in their approach, which emphasizes a thorough understanding of individual goals and challenges. Notably, they offer disability income insurance, highlighting their focus on protecting clients' most important assets—their ability to earn an income. This positions them as a relevant provider in the disability insurance market.

4. Olde Fayetteville Insurance

• Website: oldefayettevilleinsurance.com
• Ownership type: Private
• Headquarters: Fayetteville, North Carolina, United States (USA)
• Founded year: 1955
• Headcount: 11-50
• LinkedIn: olde-fayetteville-insurance

Olde Fayetteville Insurance, established in 1955, is a private insurance agency located in Fayetteville, North Carolina. With a team of 11 to 50 employees, the agency specializes in providing a variety of personal and business insurance solutions. Their offerings include life and disability insurance, as well as employee benefits, catering to both individuals and businesses in the region. Olde Fayetteville Insurance is an independent agency, licensed with more than 30 health and life insurance carriers, which allows them to offer competitive and well-rated insurance products. Their focus on disability insurance highlights their commitment to helping clients secure financial protection against unforeseen circumstances, ensuring that essential needs are met during challenging times. The agency's long history and local engagement position it as a relevant player in the insurance market.

5. Watson Insurance Agency

• Website: watsoninsurance.com
• Ownership type: Private
• Headquarters: Gastonia, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 51-200
• LinkedIn: watson-insurance-agency-inc.

Watson Insurance Agency, founded in 1934, is a private insurance agency based in Gastonia, North Carolina. With a workforce of approximately 92 employees, the agency has established itself as a significant player in the insurance sector, serving both individual consumers and businesses. They offer a wide array of insurance products, including personal insurance, business insurance, and employee benefits. Notably, their employee benefits section includes disability insurance, which is crucial for businesses looking to provide comprehensive coverage for their employees. The agency prides itself on customer service and community engagement, reflecting a commitment to understanding and addressing the unique needs of their clients. Their operational footprint spans across North Carolina and South Carolina, with multiple offices to enhance accessibility for their clients. Watson Insurance Agency's long history and focus on tailored solutions position it as a relevant option for those seeking disability insurance, although it may not be the primary focus of their offerings.

6. ECM Solutions.

• Website: ecmins.com
• Ownership type: Private
• Headquarters: Charlotte, North Carolina, United States (USA)
• Employee distribution: United States (USA) 96%, Mexico 4%
• Founded year: 1987
• Headcount: 51-200
• LinkedIn: ecm-insurance

ECM Solutions is an independent insurance agency based in Charlotte, North Carolina, founded in 1987. With a team of approximately 89 employees, the agency has built a reputation for providing tailored insurance solutions to both individual consumers and businesses. They offer a comprehensive suite of insurance products, including personal risk, business risk, and employee benefits. Their employee benefits division includes group health, dental, vision insurance, and notably, disability insurance. ECM Solutions serves over 6,000 clients across the United States and has access to international markets through their partnership with Assurex Global. This partnership enhances their ability to provide specialized expertise and competitive options in the insurance market. The agency prides itself on its client-focused approach, emphasizing integrity, continuous improvement, and strong relationships with clients.

7. Fogle Insurance Group

• Website: foglegroup.com
• Ownership type: Corporate
• Headquarters: Huntersville, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: June 2023
• Founded year: 1983
• Headcount: 1-10
• LinkedIn: fogle-insurance-group

Fogle Insurance Group, based in Huntersville, North Carolina, has been serving clients since 1983. This independent insurance agency provides a wide array of insurance products, including personal, business, health, and life insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through tailored insurance solutions. The agency prides itself on its commitment to customer service and community involvement, actively participating in local charitable initiatives. With a small team of dedicated professionals, Fogle Insurance Group emphasizes personalized service and building long-term relationships with clients. They are licensed to operate in multiple states, including North Carolina, Florida, Georgia, South Carolina, and Virginia, which allows them to extend their reach beyond their local market.

8. White Insurance Agency, Inc

• Website: whiteinsurance.com
• Ownership type: Corporate
• Headquarters: Black Mountain, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: May 2016
• Founded year: 1952
• Headcount: 11-50
• LinkedIn: white-insurance-agency-inc

White Insurance Agency, Inc., established in 1952, is an independent insurance agency based in Black Mountain, North Carolina. With a team of approximately 31 employees, the agency specializes in a comprehensive suite of insurance solutions tailored for individuals, families, and businesses. Their offerings include personal insurance, business insurance, and employee benefits, with a notable emphasis on group health insurance and disability insurance. The agency prides itself on a client-centric approach, ensuring that each policy is customized to meet the specific needs of their clients. White Insurance Agency has built partnerships with over 50 insurance carriers, allowing them to present competitive options to their customers. They have served thousands of individuals and businesses throughout North Carolina, maintaining a strong reputation for integrity and service in the insurance industry.

9. Breeden Insurance Services Inc

• Website: breedeninsurance.com
• Ownership type: Family Owned
• Headquarters: Lexington, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1963
• Headcount: 11-50
• LinkedIn: breedeninsurance

Breeden Insurance Services Inc, established in 1963 and family-owned since 1967, operates as an independent insurance agency based in Lexington, North Carolina. The agency provides a wide array of insurance products, including personal, business, life, and health insurance. With a team of over 25 professionals, Breeden Insurance focuses on delivering tailored coverage solutions to both individual consumers and businesses. They emphasize customer service and risk management, aiming to protect clients' financial well-being through comprehensive insurance plans. Breeden Insurance is licensed with numerous major insurance carriers and has access to hundreds of others, allowing them to offer competitive rates and reliable coverage options. Their offerings include individual and group disability insurance, showcasing their involvement in the disability insurance sector, albeit primarily within their local market.

10. Summers Thompson Lowry

• Website: stlinsure.com
• Ownership type: Corporate
• Headquarters: Chapel Hill, North Carolina, United States (USA)
• Latest funding: June 2020
• Founded year: 2000
• Headcount: 11-50
• LinkedIn: summers-thompson-lowry

Summers Thompson Lowry, Inc. is an independent insurance agency based in Chapel Hill, North Carolina, founded in 2000. With a team of 20 employees, the agency serves both individual consumers and businesses, offering a wide range of insurance products. Their offerings include commercial and personal lines, surety bonds, and financial services. The agency prides itself on providing tailored insurance solutions, emphasizing integrity, prompt claims response, and a commitment to customer service. They have a dedicated focus on life and disability insurance, which is part of their broader suite of employee benefits and financial services. By partnering with various carriers, Summers Thompson Lowry aims to find the most suitable coverage options for their clients, ensuring that their insurance needs are met effectively.

11. Granite Insurance

• Website: graniteinsurance.com
• Ownership type: Family Owned
• Headquarters: Granite Falls, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1936
• Headcount: 11-50
• LinkedIn: graniteinsurance

Granite Insurance, based in Granite Falls, North Carolina, is a family-owned insurance agency that has been serving clients since 1936. With a workforce of 11 to 50 employees, the company specializes in providing tailored insurance solutions for both businesses and individuals. Their offerings include adventure and entertainment insurance, business insurance, personal insurance, and employee benefits, which notably includes disability insurance. Granite Insurance emphasizes risk management, aiming to empower clients to achieve their goals even in the face of unexpected events. The agency operates primarily within the United States and prides itself on building strong relationships with clients, ensuring they receive the right coverage for their unique needs. Their independent status allows them to navigate the insurance market effectively, providing clients with a range of options to choose from.

12. Windermere Insurance Group

• Website: windinsgroup.com
• Ownership type: Family Owned
• Headquarters: Charlotte, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2012
• Headcount: 51-200
• LinkedIn: windermere-insurance-group

Windermere Insurance Group, based in Charlotte, North Carolina, is a family-owned insurance brokerage founded in 2012. The firm specializes in delivering tailored insurance and risk management solutions to businesses, financial institutions, and private clients. With a team of around 50 professionals, Windermere focuses on understanding the unique needs of its clients to provide effective coverage and support. Their service offerings include business insurance, employee benefits, and claims advocacy. Notably, they provide life and disability insurance as part of their private client practice, ensuring that clients have access to essential coverage options. Windermere also emphasizes a collaborative approach, fostering long-term relationships with clients and adapting to their evolving needs. Their operations extend beyond North Carolina, with additional offices in Pawleys Island and Hilton Head, South Carolina, enhancing their regional footprint in the insurance market.

13. Hartsfield & Nash Insurance Agency, Inc.

• Website: hartsfield-nash.com
• Ownership type: Private
• Headquarters: Wake Forest, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1988
• Headcount: 11-50
• LinkedIn: hartsfield-%26-nash-insurance-agency-inc.

Hartsfield & Nash Insurance Agency, Inc. is a private insurance agency based in Wake Forest, North Carolina, with a history dating back to 1899. The agency specializes in a variety of insurance solutions, including personal, business, and employee benefits insurance. They serve both individual consumers and businesses, helping clients navigate the complexities of insurance to ensure proper asset protection. With a team of knowledgeable advisors, Hartsfield & Nash emphasizes personalized service and building trusted relationships with clients. They are licensed in over 35 states, allowing them to cater to a wider audience while maintaining a strong community focus. The agency's commitment to client satisfaction is reflected in their long-standing presence in the industry and their active involvement in local community organizations.

14. Stanberry Insurance

• Website: stanberry-ins.com
• Ownership type: Family Owned
• Headquarters: Sylva, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1980
• Headcount: 11-50
• LinkedIn: stanberry-insurance

Stanberry Insurance is a family-owned insurance agency based in Sylva, North Carolina, established in 1980. With a workforce of around 40 employees, the agency provides a comprehensive suite of insurance solutions tailored for both individuals and businesses. Their offerings include personal insurance, business insurance, and life and health insurance, with a notable inclusion of disability insurance among their health-related products. Stanberry Insurance operates across several states in the Southeastern United States, emphasizing client relationships and expert advice. They pride themselves on delivering customized insurance solutions that help clients manage risks and protect their assets. The agency's mission is to provide a concierge client experience, allowing clients to choose from top-rated national and regional insurance carriers, thereby enhancing their service delivery in the competitive insurance market.

15. Lawson Insurance Group

• Website: lawsonins.com
• Ownership type: Family Owned
• Headquarters: Raleigh, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1974
• Headcount: 11-50
• LinkedIn: lawson-insurance-group

Lawson Insurance Group, also known as Highstreet Insurance Partners, is a family-owned insurance agency based in Raleigh, North Carolina. Founded in 1974, the company has built a reputation for providing a wide array of insurance and financial services. Their offerings include business and personal insurance, employee benefits, and financial planning. Lawson Insurance Group serves a variety of clients, from individuals to organizations, helping them navigate risks and protect their assets. The agency's involvement in employee benefits highlights their role in providing essential services like disability insurance, which is crucial for workforce stability. With a dedicated team of professionals, they aim to tailor solutions that meet the unique needs of their clients, ensuring comprehensive coverage across various sectors.

16. ALLCHOICE Insurance

• Website: allchoiceinsurance.com
• Ownership type: Private
• Headquarters: Greensboro, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2004
• Headcount: 1-10
• LinkedIn: allchoice-insurance

ALLCHOICE Insurance, founded in 2004 and based in Greensboro, North Carolina, operates as an independent insurance agency. The company provides a wide array of insurance products, including auto, home, business, life, and notably, disability insurance. With a small team of around 16 employees, ALLCHOICE emphasizes personalized service and customer education, aiming to help clients understand their insurance needs and options. They work with multiple insurance carriers to offer tailored solutions, ensuring clients receive competitive pricing and adequate coverage. The agency has built a reputation for its commitment to customer service, as evidenced by positive client testimonials. Their approach includes a thorough assessment of client risks and a focus on providing protection that aligns with individual circumstances. While they have received recognition within the industry, there is no reported funding, indicating a stable, self-sustaining operation.

17. Litaker Insurance

• Website: litakerinsurance.com
• Ownership type: Family Owned
• Headquarters: Charlotte, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1933
• Headcount: 11-50
• LinkedIn: litaker-insurance

Litaker Insurance is a family-owned insurance agency based in Charlotte, North Carolina, with a history dating back to 1933. The agency specializes in a wide range of insurance products, including personal, business, and life insurance. They cater to individuals, families, and businesses, providing tailored solutions to protect against various risks. As an independent broker, Litaker Insurance collaborates with multiple top-rated insurance companies, ensuring that clients have access to a variety of options. Their offerings include individual disability insurance, which highlights their commitment to addressing the needs of clients seeking financial protection in the event of a disability. With a team of experienced professionals, Litaker Insurance emphasizes a consultative approach, taking the time to understand the unique insurance needs of their clients. This focus on personalized service, combined with their extensive product range, positions them as a relevant player in the insurance industry.

18. Best Agency

• Website: bestagency.com
• Ownership type: Private
• Headquarters: Durham, North Carolina, United States (USA)
• Employee distribution: United States (USA) 78%, Morocco 12%, Germany 5%, Other 5%
• Founded year: 1994
• Headcount: 51-200
• LinkedIn: best-agency

Best Agency USA, Inc, founded in 1994 and based in Durham, North Carolina, is a private insurance agency that provides a range of insurance solutions. The company specializes in life insurance, annuities, long-term care, and disability income insurance. Best Agency positions itself as a resource for financial advisors and agency managers, offering tools and support to navigate the complexities of the insurance market. Their services include personalized sales support, aggressive impaired risk underwriting, and advanced technology to streamline processes. With a workforce of around 78 employees, Best Agency has cultivated strong relationships with top insurance carriers, enabling them to offer competitive products. Their commitment to enhancing the success of their partners is evident in the testimonials from satisfied clients who highlight the agency's responsive service and expertise in underwriting.

19. Morrow Insurance Agency, Inc.

• Website: morrowinsurance.com
• Ownership type: Private
• Headquarters: Hendersonville, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1919
• Headcount: 11-50
• LinkedIn: morrow-insurance-agency-inc._2

Morrow Insurance Agency, Inc., established in 1919, is a private insurance agency based in Hendersonville, North Carolina. With a workforce of 11 to 50 employees, the agency has built a reputation for providing tailored insurance solutions to both individuals and businesses across Western North Carolina. Their offerings include personal insurance, commercial insurance, employee benefits, and specialized agribusiness insurance. Morrow Insurance is particularly noted for its commitment to customer service, emphasizing a culture where client needs are prioritized. They have a strong presence in the local community, actively supporting various nonprofits and organizations. Their employee benefits division includes group short-term and long-term disability insurance, showcasing their involvement in the disability insurance market, albeit as part of a broader portfolio of services.

20. First Casualty Insurance Group, Inc.

• Website: fcignc.com
• Ownership type: Private
• Headquarters: Southern Pines, North Carolina, United States (USA)
• Founded year: 1984
• Headcount: 11-50
• LinkedIn: first-casualty-insurance-group-inc-

First Casualty Insurance Group, Inc. (FCIG) is an insurance agency based in Southern Pines, North Carolina, founded in 1984. With a team of 11 to 50 employees, the agency specializes in a wide array of insurance products, including personal, commercial, specialty, life, and health insurance. FCIG serves both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. The agency operates multiple locations across the United States, emphasizing personalized service and comprehensive coverage options. Notably, FCIG includes disability insurance within its ancillary lines, indicating their capability to assist clients in this area, although it is one of many offerings they provide.

21. Worksite Resources LLC

• Website: worksiteresourcesllc.com
• Ownership type: Private
• Headquarters: Huntersville, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1999
• Headcount: 1-10
• LinkedIn: worksiteresources

Worksite Resources LLC, founded in 1999 and based in Huntersville, North Carolina, operates as an insurance broker specializing in a wide array of insurance solutions. The company offers life and health insurance, property and casualty insurance, and healthcare marketplace services. With a small team of dedicated professionals, Worksite Resources emphasizes personalized benefit counseling and claims management, ensuring that clients receive tailored support in navigating their insurance needs. They have established strong relationships with top insurance carriers, allowing them to provide a range of products, including short-term and long-term disability insurance. Their commitment to customer service is evident in their approach, where they prioritize the needs of their clients, regardless of their size. This focus on individualized service has garnered positive testimonials from clients who appreciate the thoroughness and responsiveness of the Worksite Resources team.

Disability Insurance Insights: Key Companies in North Carolina

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