The top-rated disability insurance agent in Highland Park, Illinois is Juan Fonseca - State Farm Insurance Agent, rated 5.0 stars across 214 reviews. Other highly rated options include Wyatt Dowling - State Farm Insurance Agent, Janee Ferrari at Comparion Insurance Agency, Litke Financial Group: Allstate Insurance. This directory lists 11 disability insurance agents serving Highland Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Juan Fonseca - State Farm Insurance Agent | 1448 Old Skokie Valley Rd Ste B | — |
| 2 | Wyatt Dowling - State Farm Insurance Agent | 1907 2nd St | (847) 432-9126 |
| 3 | Janee Ferrari at Comparion Insurance Agency | 1849 Green Bay Rd Suite 109 | (847) 231-1047 |
| 4 | Litke Financial Group: Allstate Insurance | 609 Laurel Ave | (847) 681-1700 |
| 5 | Joe Palminteri - State Farm Insurance Agent | 475 Roger Williams Ave | (847) 432-5570 |
| 6 | Wenk Insurance | 600 Central Ave Ste 295 | (847) 433-8370 |
| 7 | ISU Insurance Services - R. Pucin & Associates | 584 Roger Williams Ave | (847) 432-3007 |
| 8 | North Shore Insurance Associates - Business Insurance and Group Health Benefits | 508 Central Ave Ste 210 | (847) 315-0170 |
| 9 | Amber Insurance Services | 1787 St Johns Ave Ste 7 | (847) 432-2966 |
| 10 | Comparion Insurance Agency | 1849 Green Bay Rd Suite 109 | (847) 231-5499 |
Wyatt Dowling’s State Farm Insurance agency in Highland Park provides disability insurance policies tailored to individual financial needs, offering both short-term coverage for temporary income loss and long-term plans to protect against extended or permanent disability. Service includes personalized policy reviews and ongoing support for claims filing. The agent serves clients owning residential properties such as single-family homes and apartments, as well as commercial clients with retail spaces and restaurants.
Homeowners, self-employed professionals, and small business owners in Highland Park, Illinois rely on Janee Ferrari at Comparion Insurance Agency for disability insurance agent services. The company helps clients identify income protection plans suited to their personal financial situations and employment needs. It guides customers through the process of evaluating coverage options that safeguard against lost earnings due to illness or injury. This agency also serves clients in neighboring Deerfield and the greater Lake County area.
Serving Highland Park and the surrounding North Shore communities, Litke Financial Group: Allstate Insurance helps individuals and businesses navigate disability insurance needs. They assist with protecting income against unexpected illness or injury through suitable policy options. The agency coordinates with clients to evaluate coverage gaps and match available plans to specific occupational and financial circumstances. To handle a typical job, they first review current income protection and then present straightforward policy comparisons to guide informed decisions.
Joe Palminteri - State Farm Insurance Agent in Highland Park, IL, addresses the difference between one-time disability policies, which provide a lump sum for a qualifying event, and recurring benefit options that replace a portion of lost income over time. These coverage plans are tailored to local professionals seeking financial protection during extended medical leaves. Consultation and application services are offered on an as-needed basis.
Wenk Insurance specializes in helping clients secure disability income protection to replace lost earnings during illness or injury. As a Highland Park disability insurance agent, it guides individuals and professionals through plan selection and application procedures. The firm explains policy details, benefit periods, and elimination periods to match each client’s financial situation. It addresses concerns such as unexpected medical leaves or workplace accidents that could threaten long-term financial stability, particularly during cold and flu season when short-term disability claims often rise.
As winter snow and ice increase slip-and-fall risks across Highland Park, many residents seek reliable income protection. ISU Insurance Services - R. Pucin & Associates provides disability insurance agent services to local professionals and small business owners. They help clients evaluate policies that replace lost wages during recovery from illness or injury. Their process begins with an initial financial review to assess each client’s occupation, household expenses, and existing coverage before presenting suitable plan options for individual circumstances.
North Shore Insurance Associates - Business Insurance and Group Health Benefits, based in Highland Park, IL, helps local professionals and residents secure disability income protection through tailored policy options. The agency focuses on bridging coverage gaps that standard plans often overlook, ensuring individuals have income replacement in case of injury or illness. This work involves guiding clients through policy terms, benefit periods, and elimination periods. Its commercial sector services include offices, warehouses, and food service operations throughout the region.
Amber Insurance Services serves residents in Highland Park, Illinois, by helping them secure disability insurance policies tailored to individual needs. The agency extends commercial coverage to local businesses seeking income protection for their teams. Service spans Highland Park and the surrounding northern suburbs. By reviewing coverage upon each policy anniversary, the agent remains available for follow-up questions and repeat adjustments between regular visits.
Comparion Insurance Agency works with individuals and businesses in Highland Park, Illinois to help them navigate various insurance products and coverage needs. Its specialty as a Disability Insurance Agent means it focuses specifically on protecting clients’ income and financial stability if injury or illness prevents them from working. The agency assists in analyzing policy options that align with different professional circumstances and personal budgets. This support is available for those running or employed at local offices, warehouses, and food service establishments throughout the community.
What Does a a Disability Insurance Agent in Highland Park Cost?
Disability insurance agent services in Illinois are typically commission-based, meaning the agent is paid by the insurance company when you buy a policy. Policy premiums vary widely, from 1% to 3% of your annual income for short-term coverage and 2% to 4% for long-term coverage. For a 50-year-old earning 100,000 dollars per year, a long-term policy might cost 2,000 to 4,000 dollars annually. Costs depend on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Highland Park
Disability insurance agents in Highland Park help residents and professionals secure income protection policies. Illinois law requires insurers to follow specific claim handling rules under the Illinois Insurance Code. Local agents understand the needs of Highland Park workers and can guide you through policy options and claim processes.
Frequently Asked Questions
What does a disability insurance agent in Highland Park do?
A disability insurance agent helps you find and apply for disability insurance policies that replace income if you cannot work. They explain policy terms, compare options from different carriers, and assist with claims. They do not provide legal advice but can guide you on policy features.
How is disability insurance regulated in Illinois?
Disability insurance in Illinois is regulated by the Illinois Department of Insurance under the Illinois Insurance Code. Insurers must follow strict timelines for claim decisions, usually within 30 days. Policyholders have the right to appeal denials and request an external review.
Do I need a disability insurance agent if I already have coverage through work?
Employer-provided disability insurance often has limits and may not cover all income. A local agent can help you evaluate gaps and purchase supplemental individual policies. This is common for Highland Park professionals who want higher benefit amounts or longer coverage periods.
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