The top-rated disability insurance agent in Port Huron, Michigan is Megan Simmons - State Farm Insurance Agent, rated 5.0 stars across 421 reviews. Other highly rated options include Tremble Insurance Agency, Blue Water Insurance, Kearns Agency Inc. This directory lists 16 disability insurance agents serving Port Huron.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Megan Simmons - State Farm Insurance Agent | 203 Huron Ave | (810) 385-4466 |
| 2 | Tremble Insurance Agency | 2620 Griswold St | (810) 987-8610 |
| 3 | Blue Water Insurance | 603 Griswold St | (810) 544-3072 |
| 4 | Kearns Agency Inc | 1101 Pine Grove Ave | (810) 987-3330 |
| 5 | Rusty Fournier: Allstate Insurance | 333 Huron Ave | (810) 982-2340 |
| 6 | Grant Smith Health Insurance Agency | 2916 Pine Grove Ave | (810) 984-1373 |
| 7 | Great Lakes Insurance | 3928 24th Ave | (810) 824-3159 |
| 8 | Maplethorpe Insurance | 827 Michigan St | (810) 982-8221 |
| 9 | AAA Insurance - Hoffman Agency | 411 Andrew Murphy Ave | (810) 292-0294 |
| 10 | Fournier Insurance Agency: Allstate Insurance | 333 Huron Ave | (810) 982-2340 |
Megan Simmons - State Farm Insurance Agent serves the Port Huron, Michigan area, focusing on disability insurance protection for local residents and workers. This agency helps clients understand how disability coverage can replace lost income if an injury or illness prevents them from working. Policies are tailored to fit individual needs, ensuring financial stability during recovery periods. Specific disability insurance services handled here include long-term disability plans and short-term disability income replacement policies.
Tremble Insurance Agency provides disability insurance agent services in the Port Huron, Michigan, area, including helping individuals and business owners assess their need for income protection. It assists with policy selection and annual reviews to align coverage with changing circumstances. The agency guides clients through application and claim processes. It services single-family homes, apartments, retail shops, and restaurants throughout Port Huron and the surrounding region.
Blue Water Insurance serves homeowners, business owners, and professionals in Port Huron who need income protection through disability insurance. The agency helps clients evaluate policy options from major carriers to safeguard earnings if illness or injury prevents them from working. It also advises on short-term and long-term disability plans, ensuring coverage matches each client’s occupation and budget. The company additionally serves individuals and employers in Marysville, offering the same personalized guidance and local support for disability insurance needs in that community.
Kearns Agency Inc serves clients in Port Huron and the surrounding St. Clair County communities, specializing in disability insurance agent services. This agency handles applications for individual and group disability policies that protect income when a client is unable to work due to injury or illness. To manage a typical case, an agent first evaluates the client’s occupation and income needs, then compares plans from different carriers to match coverage with the client’s budget and risk profile.
Rusty Fournier: Allstate Insurance provides disability insurance agent services in Port Huron, Michigan, specializing in policies designed to replace lost income when a client cannot work due to injury or illness. The agency also assists with general coverage consultations, guiding clients through plan selection and filing support. Whether addressing a sudden medical condition or preparing for a planned surgery, the office helps policyholders manage applications and understand benefit terms during such periods of recovery.
For clients needing long-term income protection versus a single policy, Grant Smith Health Insurance Agency in Port Huron, MI, offers both recurring plan management and one-time coverage purchases. Their work focuses on disability insurance policies that replace a portion of lost earnings when injury or illness prevents employment. Tailored advice includes evaluating short-term versus long-term benefit structures based on client occupation and needs. These services are available on either a scheduled, one-time, or as-needed basis to fit individual financial planning.
As winter conditions in Port Huron increase the risk of slips and falls on icy walkways, local workers may require time away from their jobs to recover from unexpected injuries. Great Lakes Insurance serves residents in this area by providing guidance on disability insurance policies that provide income protection during such recovery periods. The company helps clients review their current coverage to determine whether it adequately compensates for missed wages due to a non-work-related sickness or accident. An initial assessment is completed by discussing the client’s occupation and typical earnings.
Maplethorpe Insurance works with individuals and businesses throughout Port Huron, MI, offering guidance on disability insurance coverage. The company specializes in helping clients understand policy options that protect income if illness or injury prevents work. As a dedicated disability insurance agent, the firm addresses employer-sponsored plans and individual policies tailored to local needs. This includes serving a range of commercial sectors such as offices, warehouses, and food service establishments.
AAA Insurance - Hoffman Agency provides disability insurance agent services to residents throughout the Port Huron area. Commercial clients in the region also benefit from tailored coverage solutions developed to address unique business needs. The agency serves clients across Port Huron and surrounding communities in Michigan. Expertise includes helping individuals and businesses understand policy options for income protection during periods of disability. Following the initial consultation and policy setup, the agency offers continued support and plan adjustments during regular follow-up visits to ensure coverage remains appropriate.
Fournier Insurance Agency: Allstate Insurance in Port Huron, MI, serves the local community by matching individuals with disability insurance plans that replace a portion of lost income if an injury or illness prevents them from working. These policies help policyholders manage everyday expenses during recovery. The agency guides clients through plan selection and application procedures for both short-term and long-term coverage options. A specialty service it can add on is critical illness insurance for lump-sum benefits upon diagnosis.
What Does a a Disability Insurance Agent in Port Huron Cost?
Disability insurance agent services in Michigan typically cost nothing upfront because agents earn commissions from insurers. Policy premiums vary widely based on age health and coverage amount. For example a 40-year-old non-smoker might pay 100 to 300 dollars per month for a policy with a 90-day waiting period. Costs can be higher for older applicants or those with pre-existing conditions. This is general information not insurance advice.
About disability insurance agents in Port Huron
Disability insurance agents in Port Huron Michigan help individuals and businesses secure income protection coverage. These agents guide clients through policy options and claims processes. Michigan law requires disability insurance policies to follow specific standards set by the Michigan Department of Insurance and Financial Services.
Frequently Asked Questions
What does a disability insurance agent in Port Huron do?
A disability insurance agent in Port Huron helps you find a policy that fits your needs and budget. They explain policy terms, exclusions, and benefit periods. Agents also assist with filing claims and understanding your rights under Michigan insurance regulations.
How long do I have to file a disability claim in Michigan?
Michigan law generally allows up to 30 days to notify your insurer of a disability. You then have 90 days to submit a formal claim. Check your specific policy for exact time limits as they can vary.
Can a Port Huron agent help with an existing claim denial?
Yes a disability insurance agent can review your denial and explain your appeal options. They can help you gather medical records and submit a strong appeal. Michigan law gives you 180 days to appeal a denied claim.
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