The top-rated disability insurance agent in Ames, Iowa is Mark Doyle - State Farm Insurance Agent, rated 4.9 stars across 535 reviews. Other highly rated options include Scott Richardson - State Farm Insurance Agent, Louis Slaughter III - State Farm Insurance Agent, AlekCO Insurance. This directory lists 20 disability insurance agents serving Ames.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mark Doyle - State Farm Insurance Agent | 2701 Stange Rd Ste 110 | (515) 232-8090 |
| 2 | Scott Richardson - State Farm Insurance Agent | 101 Main St | (515) 232-0030 |
| 3 | Louis Slaughter III - State Farm Insurance Agent | 3515 Lincoln Way #102 | (515) 292-9030 |
| 4 | AlekCO Insurance | 119 Stanton Ave STE 702 | (515) 978-9040 |
| 5 | Pat Brown - State Farm Insurance Agent | 1112 Buckeye Ave | (515) 233-1295 |
| 6 | Gallagher Insurance, Risk Management & Consulting | 1416 Buckeye Ave | (515) 232-7060 |
| 7 | Joe Leto - COUNTRY Financial Representative | 315 6th St #205 | (515) 233-3045 |
| 8 | Katherine Frame American Family Insurance | 809 Wheeler St #109 | (515) 232-4142 |
| 9 | Farmers Insurance - Mathew Johnson | 123 6th St | (515) 278-2249 |
| 10 | Angela Laughlin Agency Inc. American Family Insurance | 3505 Lincoln Way Ste 103 | (515) 232-2182 |
Mark Doyle - State Farm Insurance Agent serves the Ames, Iowa, area and surrounding Story County as a disability insurance agent. The agency helps individuals and families evaluate their financial protection needs, focusing on income coverage if a person becomes unable to work due to illness or injury. A disability insurance agent assists clients in understanding policy terms, benefit amounts, and waiting periods. The agency handles both short-term and long-term disability insurance plans, offering guidance on how these policies can help replace lost wages during a recovery period.
Scott Richardson - State Farm Insurance Agent in Ames, IA provides disability insurance agent services, including coverage consultations and claims assistance. The agency offers support in reviewing policy options and coordinating benefits. It services a range of properties such as single-family homes and apartments, helping homeowners address income protection needs. The agency also works with retail and restaurant businesses, advising on disability coverage for their employees.
Louis Slaughter III - State Farm Insurance Agent serves local homeowners and renters in the Ames area, providing disability insurance policies to replace income if injury or illness prevents work. The office also assists small business owners seeking coverage for themselves or their key employees. Each disability insurance plan is tailored to individual income levels and occupation risks. In addition to serving central Ames, the agency covers clients throughout the neighboring community of Nevada and the wider Story County metro.
AlekCO Insurance offers both one-time policy reviews and ongoing service agreements for disability coverage in Ames, Iowa. Initial consultations focus on comparing short-term and long-term disability plans to match individual income protection needs. Ongoing service involves periodic plan adjustments as career circumstances change. All support runs on a scheduled basis, with as-needed availability for claim filing assistance or policy updates between regular appointments.
Pat Brown - State Farm Insurance Agent serves the Ames, Iowa, area and surrounding communities, handling disability insurance policies. This coverage helps protect local residents if an illness or injury prevents them from working. The agent works with individuals to find appropriate coverage options for their specific situation. A typical job begins with a thorough review of the client’s current income needs and employment risks, then building a practical benefits recommendation based on those personal factors.
Gallagher Insurance, Risk Management & Consulting provides disability insurance agent services in the Ames, Iowa area, offering expert guidance on private and employer-sponsored disability plans to protect local professionals against income loss from injury or illness. The agency advises clients on selecting appropriate coverage durations and benefit amounts tailored to individual needs. With the seasonal transition of college students entering the workforce in late summer, it assists new graduates in securing essential long-term disability protections before employer enrollment windows close.
For residents of Ames and the surrounding area, Joe Leto serves as a COUNTRY Financial representative specializing in disability insurance. This coverage is available for residential clients, with options also extended to commercial businesses needing to protect their operations. Service is provided throughout the central Iowa region, focusing on financial protection strategies during illness or injury. Clients can schedule follow-up appointments to review their policies between regular annual visits, ensuring coverage remains aligned with their changing professional and personal circumstances.
Colder Iowa winters often bring concerns about slips on icy sidewalks or accidents on the road, creating a need for income protection. Katherine Frame American Family Insurance in Ames advises clients on disability insurance options that replace lost wages during recovery. The process evaluates a person's occupation and typical household expenses to determine suitable coverage levels. An initial consultation involves reviewing current health history and discussing benefit periods or elimination periods for a policy. A thorough assessment of each individual's financial obligations then guides the necessary paperwork for coverage.
Mathew Johnson, operating as Farmers Insurance in Ames, Iowa, provides disability insurance agent services to local residents and businesses. His work focuses on offering income protection plans that replace a portion of earned wages when an employee cannot work due to injury or illness. These policies help individuals maintain financial stability during recovery periods. Commercial sectors served include offices, warehouses, and food service establishments.
Angela Laughlin Agency Inc. American Family Insurance, based in Ames, Iowa, is known for providing disability insurance coverage that helps protect clients’ income if illness or injury prevents them from working. The agency serves individuals and local small businesses looking to secure financial stability through customized disability insurance protection tailored to specific needs. Its services include assessing qualified clients’ coverage options based on occupation, health, and income requirements. The firm additionally offers long-term care disability insurance as a specialty add-on, ensuring sustained support for recovery and daily living expenses over extended periods.
What Does a a Disability Insurance Agent in Ames Cost?
Disability insurance premiums in Iowa typically range from 1% to 3% of your annual income, depending on age, health, occupation, and coverage amount. For a 40-year-old professional earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary by case and insurer. This is general information, not insurance advice.
About disability insurance agents in Ames
Disability insurance agents in Ames, Iowa help professionals and small business owners protect their income if they become unable to work. Iowa law does not require employers to provide disability coverage, so individual policies are common. Agents can guide you through options that comply with Iowa insurance regulations and fit your budget.
Frequently Asked Questions
What does a disability insurance agent in Ames do?
A disability insurance agent in Ames helps you compare policies from different carriers. They explain benefit periods, elimination periods, and occupation-specific definitions. They also ensure the policy meets Iowa state insurance requirements.
Is disability insurance required in Iowa?
No, Iowa does not require individuals to carry disability insurance. However, some employers offer it as a voluntary benefit. An agent can help you decide if a private policy is right for your situation.
How do Iowa laws affect disability insurance claims?
Iowa has a statute of limitations for filing a lawsuit on a disability insurance claim, typically five years from the date of breach. Agents can explain policy terms so you understand your rights and deadlines under Iowa law.
Disability Insurance Agents in Other Iowa Cities
Ankeny · Bettendorf · Cedar Falls · Cedar Rapids · Council Bluffs · Davenport · Dubuque · Iowa City · Johnston · Marion · Sioux City · Urbandale · Waterloo · Waukee · West Des Moines