The top-rated disability insurance agent in Battle Creek, Michigan is Farmers Insurance - Terry Smith, rated 4.9 stars across 425 reviews. Other highly rated options include Matt Gorham - State Farm Insurance Agent, Farmers Insurance - Olivia Herman, Jeff Kiessling - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Battle Creek.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Terry Smith | 153 E Columbia Ave | (269) 213-8275 |
| 2 | Matt Gorham - State Farm Insurance Agent | 7055 Tower Rd Suite H | (269) 962-4041 |
| 3 | Farmers Insurance - Olivia Herman | 5568 Beckley Rd Suite 6 | (269) 403-3330 |
| 4 | Jeff Kiessling - State Farm Insurance Agent | 676 Capital Ave SW | (269) 965-4565 |
| 5 | Allen-Harmon-Mason-Selinger | 230 Helmer Rd N | (269) 441-5156 |
| 6 | Insurance Network Agency, Inc. | 732 Capital Ave SW | (269) 968-0577 |
| 7 | C.L. Van Deventer Insurance Agency Of Battle Creek | 100 Helmer Rd N | (269) 651-8066 |
| 8 | Tyler Peterson: Allstate Insurance | 32 Michigan Ave | (269) 841-5345 |
| 9 | Worgess Insurance & Financial Services | 2 W Michigan Ave | (269) 965-3221 |
| 10 | Baum-Johnson Insurance Agency | 203 Highland Ave | (269) 223-7058 |
Farmers Insurance - Terry Smith serves Battle Creek, Michigan as a disability insurance agent, offering local support for individuals seeking income protection. This agency assists clients in evaluating their coverage needs to safeguard earnings if illness or injury prevents work. Policies available typically include short-term and long-term disability plans. Many local professionals and self-employed residents rely on these tailored solutions to maintain financial stability during recovery. Farmers Insurance - Terry Smith handles both employer group disability policies and individual disability income insurance for residents in the Battle Creek area.
Matt Gorham - State Farm Insurance Agent in Battle Creek, MI, provides disability insurance services designed to help protect clients’ income in the event of an illness or injury. Regular policy reviews and personalized consultations are available to adjust coverage as life circumstances change. These services support individuals and business owners seeking financial security during unexpected absences from work. The agency serves single-family homes, apartments, retail establishments, and restaurants, ensuring various property owners have appropriate income protection options for their specific situations.
Homeowners, business owners, and property managers in the Battle Creek area turn to Farmers Insurance - Olivia Herman for disability insurance agent services. This local agency assists clients in protecting their income by helping to identify suitable disability coverage policies. Living in a community reliant on manufacturing, health care, and regional industry can make income protection essential. In addition to serving Battle Creek, the agent also provides coverage for the greater Kalamazoo metro region.
Serving Battle Creek and the surrounding communities of southwest Michigan, Jeff Kiessling as a State Farm Insurance agent handles disability insurance policies for local residents. This line of coverage is designed to replace a portion of lost income when a client cannot work due to illness or injury. The agent reviews each individual's occupation, current earnings, and existing benefits to recommend suitable plan options from available products. For a typical job, the process involves assessing the client's financial situation and explaining policy terms in straightforward language to ensure informed decisions.
Allen-Harmon-Mason-Selinger offers specialized disability insurance agent services in Battle Creek, Michigan, focusing on helping individuals and small businesses protect their income against unexpected health issues. It also assists clients with evaluating long-term coverage options and navigating policy details to ensure adequate financial security. The agency addresses specific challenges such as replacing lost wages during recovery from surgery or managing coverage adjustments after a sudden workplace injury.
Insurance Network Agency, Inc., located in Battle Creek, MI, assists individuals in distinguishing between one-time disability insurance policies, which provide coverage for a single, defined period, and recurring options that offer ongoing protection with periodic renewals. Their work centers on helping clients navigate coverage selections that account for variable local employment sectors and personal risk factors. Appointment scheduling for their disability insurance agent services runs strictly on an as-needed basis, tailored to each client’s circumstances.
As winter approaches in Battle Creek, unexpected medical conditions can interrupt income from local careers in manufacturing and healthcare. C.L. Van Deventer Insurance Agency Of Battle Creek addresses this gap by explaining how disability insurance replaces a portion of lost wages during recovery. Their process begins by gathering details about an applicant’s occupation, income, and daily physical requirements to match coverage to specific needs. The initial step is a complimentary consultation to review current coverage and identify potential gaps in protection.
Tyler Peterson: Allstate Insurance works with individuals and businesses in Battle Creek, MI to navigate options for income protection. The agency specializes in tailoring disability insurance plans, which supplement existing earnings during a period when a person cannot work due to injury or illness. It serves commercial sectors, advising on policies appropriate for office environments, warehouse facilities, and food service operations.
What Does a a Disability Insurance Agent in Battle Creek Cost?
Disability insurance premiums in Michigan typically range from 1% to 3% of your annual income. For a 40-year-old earning $60,000 per year a policy might cost between $600 and $1,800 annually. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Battle Creek
Disability insurance agents in Battle Creek Michigan help individuals and businesses find the right disability coverage. Michigan law requires certain policies to include specific provisions such as a 30-day grace period. Local agents can guide you through the application process and explain how Michigan insurance regulations affect your policy.
Frequently Asked Questions
What does a disability insurance agent in Battle Creek do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options and help you apply. They do not handle claims but can advise on policy features.
How do Michigan disability insurance laws affect my policy?
Michigan law requires that individual disability policies include a free look period of at least 10 days. Policies must also provide a 30-day grace period for premium payments. Your agent can explain these protections.
Can a Battle Creek agent help with group disability insurance?
Yes many agents in Battle Creek offer group disability insurance for employers. Group policies in Michigan must comply with state insurance regulations. An agent can help you choose a plan that fits your business size and budget.
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