The top-rated disability insurance agent in Clinton Township, Michigan is First Independent Insurance Agency, rated 4.9 stars across 594 reviews. Other highly rated options include Royal Oath Insurance Group, AMG Health & Life Insurance Group, AAA Insurance - Schnaidt Agency. This directory lists 21 disability insurance agents serving Clinton Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Independent Insurance Agency | 15945 Canal Rd | (586) 247-2220 |
| 2 | Royal Oath Insurance Group | 42536 Hayes Rd Suite 400 | (586) 238-3535 |
| 3 | AMG Health & Life Insurance Group | 16600 18 Mile Rd | (248) 592-0080 |
| 4 | AAA Insurance - Schnaidt Agency | 35927 Southbound Gratiot Ave | (586) 838-2555 |
| 5 | MI Insurance Agency | 40684 Hayes Rd | (586) 354-3462 |
| 6 | HealthMarkets Insurance - Amir Ribic | 44990 Heydenreich Rd suite g | (248) 840-9865 |
| 7 | McGovern Agency | 37102 S Groesbeck Hwy | (586) 464-2400 |
| 8 | John Jaboro Agency / Farm Bureau Insurance | 21250 Hall Rd #100 | (586) 522-4428 |
| 9 | Fcia Professionals & Group | 23885 Denton St | (586) 463-5000 |
| 10 | American Health Plans | 16600 18 Mile Rd | (866) 487-9887 |
First Independent Insurance Agency serves clients throughout Clinton Township and Macomb County, Michigan, specializing in disability insurance agent services to help protect income against unexpected illness or injury. The agency assists individuals and local businesses in understanding policy options that provide financial stability during periods of disability. They handle both short-term and long-term disability insurance plans tailored to different employment situations.
Royal Oath Insurance Group in Clinton Township, MI, offers a range of services as a disability insurance agent, including helping clients select and apply for individual or group disability income policies. It provides ongoing plan maintenance through policy reviews and updates to ensure coverage keeps pace with changing needs. The company aids professionals in securing protection that replaces lost income due to illness or injury. It services properties like single-family homes, apartments, retail, and restaurants.
AMG Health & Life Insurance Group serves clients in Clinton Township, Michigan, and the surrounding communities of Macomb County. It handles disability insurance needs for individuals and local small businesses, helping to protect income if an injury or illness prevents work. The agency guides clients through policy options designed to replace a portion of lost earnings during recovery. A typical job begins with a review of the client’s occupation and financial obligations, then narrows the choice to a suitable policy structure for that specific situation.
AAA Insurance - Schnaidt Agency serves homeowners, renters, and small business owners in Clinton Township, Michigan, who require disability income protection. It offers policies that replace a portion of lost earnings if an injury or illness prevents work. The agency helps clients understand short-term and long-term disability options to safeguard their financial stability during recovery. This service extends to individuals and families throughout Macomb County, including neighboring communities such as Shelby Township and Mount Clemens.
MI Insurance Agency in Clinton Township, Michigan distinguishes between initial policy placement as a one-time service and the ongoing management of claims or benefit adjustments as recurring support. The agency assists clients in understanding how disability income protection can replace lost earnings during illness or injury, explaining policy terms and exclusions to ensure informed choices. Coverage options typically include short-term and long-term plans. Service for policy review or claims follows either a scheduled appointment or an as-needed basis for urgent inquiries.
HealthMarkets Insurance - Amir Ribic offers disability income protection as its primary specialty, helping clients safeguard their earning potential against illness or injury. Located in Clinton Township, MI, this agency provides guidance on policies that replace lost wages during recovery periods. General services include evaluating individual health needs to find suitable coverage options for local families and professionals. As the winter months bring increased risks of slips and seasonal illnesses, the agency assists clients in securing benefits that maintain financial stability during unexpected medical leave.
The new year often motivates individuals in Clinton Township to review their financial safeguards, making disability coverage a frequent topic. McGovern Agency, serving the local community as a disability insurance agent, addresses these concerns by explaining how such policies can replace income during unexpected health setbacks. They clarify common terms, waiting periods, and benefit durations for each client’s situation. The process typically begins with an initial assessment of existing coverage and personal income needs.
John Jaboro Agency / Farm Bureau Insurance in Clinton Township, MI is known for providing disability insurance agent services to local residents and businesses in the surrounding area. The agency assists clients with understanding and selecting policies that replace lost income due to illness or injury. It also offers guidance on evaluating coverage limits and policy terms. An additional specialty service it provides is coordinating disability benefits with existing employer-sponsored plans.
Serving residents and families in Clinton Township, American Health Plans provides disability insurance agent services for individuals seeking coverage. The company also offers commercial disability insurance options for local businesses requiring income protection for their employees. Client consultations are conducted throughout the metropolitan area, with attention to personal policy details and plan comparisons. For those with ongoing protection needs, follow-up appointments are scheduled to review coverage or adjust policies between regular visits, ensuring continued service to existing clients.
What Does a a Disability Insurance Agent in Clinton Township Cost?
Disability insurance costs in Michigan vary based on age, health, occupation, and benefit amount. Typical premiums range from 1 percent to 3 percent of your annual income. For example, a 40 year old professional might pay 50 to 150 dollars per month for a policy with a 90 day waiting period. Costs can be higher for high risk occupations or shorter waiting periods. This is general information and not insurance advice.
About disability insurance agents in Clinton Township
A disability insurance agent in Clinton Township Michigan can help you understand your policy options and file claims. Michigan law requires disability insurance policies to meet certain standards under the Insurance Code. Working with a local agent who knows the area can make the process smoother for Macomb County residents.
Frequently Asked Questions
What does a disability insurance agent in Clinton Township do?
A disability insurance agent helps you compare policies from different carriers and explains coverage details. They can also assist with claim submissions and answer questions about Michigan specific policy requirements.
How long do I have to file a disability claim in Michigan?
Michigan law does not set a single deadline for all disability claims. Most policies require you to notify the insurer within 20 to 30 days of becoming disabled. You should check your specific policy for exact time limits.
Do I need a disability insurance agent if I have coverage through my employer?
You might still benefit from an agent if you want to supplement employer coverage with an individual policy. Group plans often have limits, and an agent can explain options for additional protection under Michigan law.
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