The top-rated disability insurance agent in Champaign, Illinois is Kurt Lenschow - State Farm Insurance Agent, rated 5.0 stars across 554 reviews. Other highly rated options include John Caywood - State Farm Insurance Agent, Anna Schappaugh - State Farm Insurance Agent, Brya Insurance. This directory lists 21 disability insurance agents serving Champaign.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kurt Lenschow - State Farm Insurance Agent | 2309 Village Green Pl c | (217) 352-1411 |
| 2 | John Caywood - State Farm Insurance Agent | 501 E University Ave Suite 1 | (217) 367-1105 |
| 3 | Anna Schappaugh - State Farm Insurance Agent | 2500 Galen Dr UNIT 6 | (217) 239-4282 |
| 4 | Brya Insurance | 2002 S Neil St | (217) 355-5555 |
| 5 | Rueck Insurance Agency | 510 W Park Ave | (217) 355-9075 |
| 6 | Prairieland Insurance Group, LLC | 2009 Fox Dr # M | (217) 352-9000 |
| 7 | Dustin Hiser: Allstate Insurance | 604 S Neil St STE 104 | (217) 359-0232 |
| 8 | Illini Insurance Agency, Inc. | 1316 Bluegrass Ln | (217) 351-1518 |
| 9 | Thomas & Ellars Ins Agency | 401 Devonshire Dr | (217) 356-2400 |
| 10 | InsureChampaign | 1817 S Neil St Suite 102 | (217) 356-3111 |
Kurt Lenschow, a disability insurance agent in Champaign, IL, serves the Champaign County area. The agency assists clients with a fundamental aspect of financial protection. Many workers in this region rely on disability insurance to help replace lost income from an unexpected illness or injury. This business helps individuals evaluate their coverage needs and navigate policy options. Specific services the agency handles include short‑term and long‑term disability insurance policies tailored to local professionals and small business owners.
John Caywood - State Farm Insurance Agent in Champaign, IL, offers disability insurance policies that provide income protection if an injury or illness prevents work. These plans are designed to help replace lost wages and cover daily living expenses during recovery. Service includes policy reviews to adjust coverage as personal financial situations change. Clients can also explore options to strengthen their long-term financial security against unexpected health events. The agency serves single-family homes, apartments, retail, and restaurants seeking to safeguard their livelihoods from disability-related income disruptions.
Homeowners and families in the Champaign, IL area can meet with Anna Schappaugh - State Farm Insurance Agent to discuss disability insurance policies. This agent helps individuals review coverage options that replace a portion of their income if an illness or injury prevents them from working. The professional focus remains on assessing local needs and guiding clients through plan details and application steps. The agency also serves nearby communities throughout the Champaign-Urbana metropolitan area.
Brya Insurance serves clients in Champaign, Illinois, and the surrounding communities. It specializes in disability insurance coverage, helping individuals protect their income in case of illness or injury. The company assists local residents in navigating policy options and qualifying for benefits. To handle a typical case, it gathers client health details, compares available plans from multiple carriers, and then walks the client through the selection process to match their specific employment situation and financial needs.
Rueck Insurance Agency in Champaign, IL serves clients needing disability coverage, whether for a single policy purchase or through ongoing policy management. The agency helps individuals protect their income against illness or injury by explaining plan options and assisting with applications. Claim support and policy reviews are also part of the recurring service available. All work is handled with attention to current regional employment and benefit trends. The agency provides its services on an as-needed basis, accommodating requests when clients schedule a consultation.
Prairieland Insurance Group, LLC offers focused disability insurance agent services in Champaign, Illinois, providing guidance on protecting income against unexpected health challenges. The company assists individuals in understanding policy options designed to replace lost earnings during periods of incapacity. These services address the financial planning needs of local professionals and workers. The agency helps clients navigate the particular concerns of coverage during seasonal employment fluctuations, such as agricultural slowdowns in central Illinois that can affect income stability.
Spring in Champaign often brings a shift in work or outdoor activities, raising awareness about potential injuries that could disrupt income. Dustin Hiser: Allstate Insurance provides disability insurance coverage for local residents, helping them protect their earnings when they cannot work due to illness or accident. The agent works with individuals and families to explain policy options that address lost wages and ongoing expenses. An initial needs assessment begins by reviewing current income and employment circumstances to tailor the appropriate plan.
Illini Insurance Agency, Inc. in Champaign, IL provides professional guidance on disability insurance to help individuals protect their income. The company specializes in evaluating policy options to cover a portion of one’s salary if an injury or illness prevents work. This service assists clients in understanding plan differences and benefit durations. The agency can serve local businesses ranging from corporate offices and industrial warehouses to large food service operations, ensuring workers across these settings have access to income protection coverage.
Thomas & Ellars Ins Agency in Champaign, IL is known for helping individuals navigate the complexities of disability insurance. The firm assists local residents in selecting policies that provide income protection if an illness or injury prevents them from working. Agents guide clients through policy options tailored to different professions and lifestyles. The agency works one on one with applicants to clarify policy terms and waiting periods. For clients seeking added financial security, it specializes in supplemental disability coverage designed to bridge gaps left by employer-provided plans.
InsureChampaign serves residential clients in the Champaign area by helping them review personal disability insurance policies. For commercial coverage, the agency assists local businesses with protecting their workforces against income loss from injury or illness. Service extends throughout the Champaign region, focusing on policy comparisons and financial security planning. After an initial consultation, the agency can schedule follow-up appointments to adjust coverage as client needs change between regular visits.
What Does a a Disability Insurance Agent in Champaign Cost?
Costs for disability insurance in Illinois vary by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old office worker, a policy paying $5,000 per month might cost $100 to $250 per month. High-risk occupations or pre-existing conditions can increase rates. This is general information, not insurance advice.
About disability insurance agents in Champaign
Disability insurance agents in Champaign, Illinois help individuals and businesses find policies that protect income if you cannot work. Illinois law requires certain employers to offer group disability coverage, but many workers need individual plans. Agents can explain options like short-term and long-term disability insurance tailored to your needs in Champaign County.
Frequently Asked Questions
What does a disability insurance agent in Champaign do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit amounts, elimination periods, and policy exclusions. In Illinois, agents must be licensed by the state Department of Insurance.
Is disability insurance required by law in Illinois?
Illinois does not require individuals to buy disability insurance. However, employers with 50 or more workers must offer group disability coverage under the Illinois Insurance Code. An agent can help you understand if you need extra coverage beyond an employer plan.
How do I choose a disability insurance agent in Champaign?
Look for an agent with experience in disability policies and knowledge of Illinois regulations. Ask about their familiarity with Champaign area employers and local insurance carriers. Check their license status on the Illinois Department of Insurance website.
Disability Insurance Agents in Other Illinois Cities
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