The top-rated disability insurance agent in Moline, Illinois is Chad Cruse - State Farm Insurance Agent, rated 4.8 stars across 226 reviews. Other highly rated options include Farmers Insurance - David Williams, Derek Newton: Allstate Insurance, Tim Clifton Agency Inc American Family Insurance. This directory lists 20 disability insurance agents serving Moline.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chad Cruse - State Farm Insurance Agent | 1922 7th St Suite 201 | (309) 736-9337 |
| 2 | Farmers Insurance - David Williams | 2800 41st St | (309) 762-8100 |
| 3 | Derek Newton: Allstate Insurance | 3311 Avenue of the Cities | (309) 797-9355 |
| 4 | Tim Clifton Agency Inc American Family Insurance | 3760 41st St #8 | (309) 797-6600 |
| 5 | Goosehead Insurance - Pat Moody | 4720 Avenue of the Cities | (309) 740-2272 |
| 6 | Carissa Sweeney - State Farm Insurance Agent | 4604 Avenue of the Cities | (309) 524-6930 |
| 7 | Nelson Brothers Agency | 1701 52nd Ave | (309) 762-4173 |
| 8 | Freedom Insurance Group | 3000 16th St Suite 101 | (309) 323-9963 |
| 9 | Shelter Insurance - Angela Byrge | 4300 12th Ave Ste 4 | (309) 797-6898 |
| 10 | IL Trusted insurance | 5341 22nd Ave | (847) 447-6653 |
Chad Cruse - State Farm Insurance Agent serves the Moline, Illinois metro area and provides disability insurance services to local residents. This agency assists individuals in understanding their disability coverage options to protect income against unexpected medical events. The team guides clients through the nuances of short-term or long-term disability policies, helping them choose appropriate benefit periods and waiting periods. Specific services include group disability insurance enrollment through employers and private individual disability policies for self-employed workers.
Farmers Insurance - David Williams provides a full range of disability insurance agent services to clients throughout the Moline, IL area. This agency helps individuals and business owners assess their needs for income protection, then guides them through policy selection and the application process. Ongoing support includes policy reviews to adjust coverage for life changes and assistance with claims filing. Disability insurance plans are designed to replace a portion of lost income if an illness or injury prevents work. The agency services single-family homes, apartments, retail establishments, and restaurants.
Derek Newton: Allstate Insurance serves homeowners, businesses, and property managers in Moline, Illinois, by providing disability insurance agent services. The agency helps local clients select disability income protection policies to cover a portion of lost wages during an illness or injury. These plans are designed to support financial stability when a person cannot work due to a medical condition. In addition to serving the Moline community, the agency also covers the neighboring community of East Moline for clients requesting representation in that area.
Serving the Quad Cities and surrounding communities in and around Moline, Illinois, Tim Clifton Agency Inc American Family Insurance handles disability insurance agent services for local residents. This agency assists individuals with evaluating their income protection needs and selecting policies that provide financial security during periods of illness or injury. To address a typical client situation, the agency takes a consultative approach by assessing personal risk factors and tailoring coverage recommendations accordingly.
For those needing a single disability insurance policy, Goosehead Insurance - Pat Moody offers a one-time purchase option, while others may prefer a scheduled plan reviewed over several years. Coverage focuses on replacing income if an illness or injury prevents work, designed for residents in Moline, IL and nearby areas. Service is available on a scheduled basis for policy updates and adjustments as a client’s needs evolve over time.
As winter storms complicate commutes across the Quad Cities, many Moline residents consider how an unexpected injury might affect their income. Carissa Sweeney - State Farm Insurance Agent serves this need as a disability insurance agent. The company helps local professionals explore policies that provide financial support during recovery periods when they cannot work. Clients discuss their employment situations and personal budgets during an initial consultation. A tailored assessment of current coverage and potential gaps completes this process.
Nelson Brothers Agency specializes in helping professionals find individual disability insurance policies. It also assists local businesses with group long-term disability coverage for their employees in Moline, Illinois. The agency works with clients to select policies protecting income against accidents or illness. Because winter conditions can increase slip-and-fall risks, the agency helps workers secure coverage before the icy months arrive.
Freedom Insurance Group helps individuals and businesses in Moline, Illinois secure financial protection through disability insurance policies. The agency specializes in coverage that replaces a portion of income if a client becomes unable to work due to illness or injury. Its agents assist with navigating plan options suited to various work environments. Commercial clients range from professional offices to warehouses, and also include food service operations.
Shelter Insurance - Angela Byrge provides residential disability insurance for individuals in Moline, Illinois. The agency also offers commercial policies to cover local businesses against income loss from employee disability. Service extends throughout the greater Moline area, including nearby communities. Policies are explained clearly to help clients understand their coverage options without surprise exclusions or confusing terms. Clients often revisit the agency for periodic policy reviews or adjustments as their personal or business needs change between regular visits.
What Does a a Disability Insurance Agent in Moline Cost?
Costs for disability insurance in Illinois vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy that replaces 60% of income. An agent can provide quotes from multiple carriers. This is general information, not insurance advice.
About disability insurance agents in Moline
Disability insurance agents in Moline, Illinois help individuals and businesses find policies that protect income if injury or illness prevents work. Illinois law requires certain disclosures for disability insurance policies under the Illinois Insurance Code. Agents can also guide clients through the claims process and explain state-specific rules like the 30-day deadline for filing a claim under most policies.
Frequently Asked Questions
What does a disability insurance agent in Moline do?
A disability insurance agent in Moline helps you compare policies from different carriers, explains coverage options, and assists with applications. They can also help you understand Illinois regulations that affect your policy, such as the requirement for insurers to provide a written explanation for claim denials within 15 days.
How do I choose a disability insurance agent in Illinois?
Look for an agent licensed in Illinois with experience in disability coverage. Check if they work with multiple insurance companies to offer a range of options. You can verify an agents license through the Illinois Department of Insurance website.
Are there time limits for filing a disability claim in Illinois?
Yes, most disability insurance policies in Illinois require you to file a claim within 30 days of becoming disabled. You may have up to 90 days to provide proof of loss. These time limits are set by the policy contract, not state law, so review your policy carefully.
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