The top-rated disability insurance agent in Granite City, Illinois is Felicia Gilbert - State Farm Insurance Agent, rated 4.9 stars across 551 reviews. Other highly rated options include Freeway Insurance, Brian Mateer - State Farm Insurance Agent, United Insurance Brokerage Firm Inc. This directory lists 13 disability insurance agents serving Granite City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Felicia Gilbert - State Farm Insurance Agent | 2421 Corporate Center # 200 | (618) 931-2020 |
| 2 | Freeway Insurance | 3431 Nameoki Rd | (618) 230-7033 |
| 3 | Brian Mateer - State Farm Insurance Agent | 3112 Maryville Rd | (618) 931-7000 |
| 4 | United Insurance Brokerage Firm Inc | 3024 Nameoki Rd | (618) 877-2644 |
| 5 | Maryland Moats Lexow Insurance | 2166 Pontoon Rd | (618) 876-1705 |
| 6 | Hildebrand, Thomas E Insurance Office | 2709 Madison Ave | (618) 226-4616 |
| 7 | Dan Palovick - State Farm Insurance Agent | 3723 Nameoki Rd | (618) 877-4918 |
| 8 | Brandon Pruett - COUNTRY Financial Agent | 1557 Johnson Rd | (618) 512-4245 |
| 9 | Instant Auto Insurance | 3675 Nameoki Rd | (618) 452-8300 |
| 10 | Alternatives Insurance | 2914 Nameoki Rd A | (618) 451-9100 |
Felicia Gilbert’s State Farm Insurance Agency operates in the Granite City, Illinois, area, serving clients in Madison County and surrounding communities. The agency provides disability insurance products, which help replace a portion of income if illness or injury prevents an individual from working. Other general personal lines and protection policies are also offered to local residents. The firm specifically handles short-term disability coverage, which covers a temporary absence from work, and long-term disability insurance, which provides ongoing benefits for extended recovery periods.
Freeway Insurance provides disability insurance agent services for individuals and businesses in Granite City, Illinois. It offers guidance on policy options to protect income when illness or injury prevents work, including consultations to assess coverage needs. Claims assistance is provided to help policyholders navigate the process. The company also reviews existing plans to ensure they remain aligned with changing circumstances. It serves residents of single-family homes, apartments, and commercial clients operating retail shops, restaurants, and other local businesses.
Brian Mateer, a disability insurance agent based in Granite City, Illinois, assists homeowners, local business owners, and property managers in securing income protection. He helps clients understand how disability coverage replaces lost earnings if an injury or illness prevents them from working. Policies are structured to fit specific professional and personal financial situations. In addition to serving Granite City, Brian Mateer also provides coverage guidance for individuals and businesses in the nearby Collinsville area.
United Insurance Brokerage Firm Inc provides a range of disability insurance agent services in the Granite City, IL area, including helping clients assess their income protection needs and guiding them through policy applications. Its service approach focuses on explaining policy details and assisting with ongoing claims support to ensure coverage remains aligned with changing circumstances. The company works with clients who own various property types, including single-family homes, apartments, retail spaces, and restaurants.
Serving the Granite City, Illinois area and surrounding Madison County communities, Maryland Moats Lexow Insurance assists clients with securing coverage for lost income due to illness or injury. The agency focuses squarely on disability insurance, helping individuals and small business owners navigate policies that replace wages during recovery time. Its approach typically begins with a thorough review of a client’s current earnings, followed by matching policy features to specific occupational and health needs.
Hildebrand, Thomas E Insurance Office specializes in assisting individuals with securing disability income protection policies and offers comprehensive guidance on various related coverage options for Granite City residents. The agency works closely with clients to evaluate their specific occupational risks and financial needs, helping them navigate policy terms and benefit structures. Seasonal changes in local industries or sudden health concerns that might interrupt income are situations where prompt consultation can be particularly valuable.
Dan Palovick - State Farm Insurance Agent in Granite City, IL offers disability insurance, which can be selected either as a one-time purchase for a single policy or as a recurring service through ongoing premium payments. Coverage helps replace a portion of income if an illness or injury prevents a person from working. Consultations evaluate individual needs for short-term or long-term protection under standard underwriting guidelines. Service is provided on an as-needed basis for new policies, claims, and policy adjustments.
As the seasons change in Granite City, local residents face income disruptions from injury or illness that can unsettle household finances. Brandon Pruett, a COUNTRY Financial agent serving this region, helps individuals and families explore disability insurance policies designed to replace a portion of lost wages during recovery periods. He listens to each client’s specific situation before outlining coverage options suited to their needs. This process begins with a thorough, no-obligation assessment of current earnings and potential risks.
Instant Auto Insurance assists individuals and organizations in Granite City, IL, with finding disability insurance coverage that helps protect income during illness or injury. Their services include evaluating policies that address short-term and long-term needs within the local area, ensuring clients understand their options during enrollment. The company serves a variety of commercial sectors, including office environments, warehouses, and food service operations.
Alternatives Insurance, based in Granite City, IL, serves residential clients in the area by helping them secure disability income protection for their households. The agency also provides commercial coverage for local businesses needing to safeguard their workforce against income loss due to injury or illness. Service extends throughout the surrounding region. After an initial policy is in place, the agency follows up to adjust coverage as circumstances change, ensuring repeat service between regular annual visits to keep plans current.
What Does a a Disability Insurance Agent in Granite City Cost?
Typical costs for disability insurance in Illinois range from 1% to 3% of your annual income for individual policies. For example, a 35-year-old earning $60,000 per year might pay $600 to $1,800 annually for a policy with a 90-day elimination period and benefits to age 65. Group coverage through an employer is often cheaper but may have limited benefits. Costs vary based on age, health, occupation, and policy features. This is general information, not insurance advice.
About disability insurance agents in Granite City
Disability insurance agents in Granite City, Illinois help individuals and businesses find coverage that meets their needs. Illinois law requires certain policies to include specific provisions, such as a 30-day grace period for premium payments. Local agents can explain how state regulations affect your policy and claims process.
Frequently Asked Questions
What does a disability insurance agent in Granite City do?
A disability insurance agent helps you compare policies from different carriers and find coverage that fits your budget and occupation. They can also assist with understanding policy terms, such as elimination periods and benefit amounts. Agents do not provide legal advice but can explain how Illinois insurance laws apply to your situation.
How does Illinois law affect disability insurance claims?
Illinois has specific rules for disability insurance, including a 30-day grace period for premium payments and a requirement that policies be written in plain language. The Illinois Department of Insurance oversees insurers and can help with complaints. Time limits for filing a claim vary by policy, so review your contract carefully.
Can a disability insurance agent help with an appeal in Granite City?
Yes, many agents can guide you through the appeals process by explaining policy language and gathering necessary documentation. However, they cannot represent you in legal proceedings. For complex denials, you may need to consult an attorney who specializes in Illinois insurance disputes.
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