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Disability Insurance

Your Biggest Asset is You

ISU Lovering Insurance Services provides disability insurance to individuals in San Carlos, San Jose, San Francisco, San Mateo, Palo Alto, Santa Clara, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At ISU Lovering Insurance Services, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income Insurance from ISU Lovering Insurance Services, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at ISU Lovering Insurance Services will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

Our Location

ISU Lovering Insurance Services

1121 Laurel Street
San Carlos, CA 94070
Main office: 650-362-8470
Fax: 650-593-7410
Fax: 650-228-5663

Our Providers

Testimonials

"I love working with ISU members because they are personable and professional."

"I love working with ISU members because they focus and appreciate quality first then price."

"I love working with ISU because the members I have met are polite, hard-working and dedicated to protecting their clients' best interests. ISU members are collectively the most professional, humble and straightforward group of agents I have had the pleasure of working with in my 18 years in insurance."

"I love working with ISU members because of the ease of doing business and the knowledge that many of the members are instilled with in regards to coverages, forms, etc."

"I love working with ISU members because they are all beautiful people. We started with very little premium and have built an empire! Our year-end 2010 So CA Select Accounts written premium totals $6,000,000. What’s not to love….! I consider so many of you friends not just business acquaintances. You are by far the most wonderful group of individuals I work with. And, you are all stuck with me for many more years because “I ain’t givin you up”!"

"I love working with ISU members because they are some of the best agents in the industry!"

"I love working with ISU members because they are very professional and provide complete submissions. If we need additional info they get it back promptly. They make our jobs easier. They have some pretty interesting accounts too!!"

"I love working with ISU members because ISU members work as hard for Travelers as we do for them. Whether it be a large account or a small account, ISU members are constantly thinking of how and what business they can place with or keep with us. The members are professional with a sense of humor, understanding of our appetite, eager to give us the first shot or last look on renewals. I look forward to working with my agents every day! I also love the sense of 'family' I have with the ISU members. I can't say enough about how much I love working with all of them!"

"I love working with ISU members because they are professional and knowledgeable."