The top-rated disability insurance agent in Portage, Michigan is Ryan Smeader - State Farm Insurance Agent, rated 5.0 stars across 520 reviews. Other highly rated options include Andy Poulsen - State Farm Insurance Agent, Neil Boff at Comparion Insurance Agency, Agnew Insurance Agency. This directory lists 20 disability insurance agents serving Portage.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Smeader - State Farm Insurance Agent | 7117 S Westnedge Ave | (269) 459-9150 |
| 2 | Andy Poulsen - State Farm Insurance Agent | 2375 E Centre Ave | (269) 324-0416 |
| 3 | Neil Boff at Comparion Insurance Agency | 8075 Creekside Dr #100 | (269) 569-7194 |
| 4 | Agnew Insurance Agency | 716 W Milham Ave | (269) 488-5907 |
| 5 | John Schuring Jr. Company Insurance | 610 Schuring Rd | (269) 327-3031 |
| 6 | Comparion Insurance Agency | 8075 Creekside Dr #100 | (269) 327-2006 |
| 7 | Donn Carlisle Agency | 10030 Shaver Rd | (269) 743-4383 |
| 8 | Freeland Insurance Solutions | 724 W Centre Ave Suite 206 | (269) 459-2239 |
| 9 | Phillip R Davis Insurance | 1623 W Centre Ave | (269) 327-1622 |
| 10 | Susan Monce - State Farm Insurance Agent | 2012 W Milham Ave | (269) 323-0300 |
Ryan Smeader - State Farm Insurance Agent serves the Portage, Michigan area and the greater Kalamazoo County region as a disability insurance agent. This agency assists local professionals and self-employed individuals in obtaining financial protection against income loss due to injury or illness. Clients can find guidance through the process of selecting a policy that suits their specific work and earnings situation. The agency handles short-term coverage to bridge gaps during recovery periods. It also addresses long-term plans that provide sustained support for extended medical leaves.
Andy Poulsen - State Farm Insurance Agent in Portage, MI, provides a range of disability insurance solutions designed to help protect income in the event of an illness or injury. The agency offers support for selecting appropriate coverage and assists with policy maintenance over time, including guidance on plan updates. Routine service is available to help clients review their current needs and adjust their policies accordingly. The office serves individuals living in single-family homes, apartments, and those operating retail establishments and restaurants throughout the local area.
Serving Portage, Michigan, and the surrounding Kalamazoo area communities, Neil Boff at Comparion Insurance Agency handles disability insurance coverage for local residents. This type of insurance provides income replacement if an illness or injury prevents a person from working. The agency generally begins every case by reviewing the client's occupation and earnings to determine an appropriate benefit amount and waiting period.
Based in Portage, MI, Agnew Insurance Agency handles both short-term disability policies, which cover a limited period, and long-term options that provide recurring income protection for extended absences. They help clients determine appropriate coverage levels based on individual income and occupation needs. Work related to evaluating benefits or filing claims is approached on a case-by-case basis, with appointments arranged according to the client's situation and the policy details being addressed. Service typically runs on an as-needed schedule.
Specializing in disability insurance, the John Schuring Jr. Company Insurance assists residents of Portage, Michigan, with protecting their income against unforeseen medical events. The agency works with individuals to evaluate policy options that replace lost wages due to illness or injury. A typical concern it addresses is securing coverage before an existing health condition makes qualification more difficult, or helping a family navigate the financial gaps created by a workplace accident during a busy winter season.
Comparion Insurance Agency helps homeowners, businesses, and individual policyholders in Portage, Michigan, secure disability insurance coverage to protect their income in case of illness or injury. The agency evaluates each client’s financial situation and occupation to recommend appropriate policy options from various carriers. Its knowledgeable agents guide customers through the application process and ongoing claims support. For those outside of Portage, the agency also serves clients in the greater Kalamazoo metropolitan area.
As spring brings plans for new jobs and promotions across Portage, residents often need guidance on protecting their income. Donn Carlisle Agency specializes in disability insurance, helping local workers understand how policies can replace wages during illness or injury. They assist in evaluating different coverage options tailored to individual careers and financial situations. A typical engagement begins with a personal assessment of the applicant’s current employment benefits and health history to identify potential gaps and recommend appropriate plans.
Freeland Insurance Solutions works with individuals and businesses in Portage, MI, to secure disability insurance coverage that protects income when illness or injury prevents work. It offers specialized add-ons including own-occupation and residual disability provisions, which allow partial benefits during reduced work capacity. The company serves professionals across the area, covering needs for employees in offices, warehouses, and food service operations.
Phillip R Davis Insurance is a disability insurance agent known for guiding clients in Portage, Michigan, through the process of securing income protection policies. Its service range covers individuals and local businesses seeking coverage against the financial impact of illness or injury. The agency assesses different policy structures to match needs with suitable plans. It specializes in offering tailored riders for own-occupation disability coverage, ensuring policyholders are protected if unable to perform their specific job duties.
Susan Monce, operating as a State Farm Insurance Agent in Portage, MI, serves residents with personal disability insurance policies. For commercial clients, she offers disability coverage tailored to business operations and professionals in the Portage area. Her practice extends throughout the surrounding region, assisting individuals and companies in selecting appropriate income protection plans. After an initial policy is established, customers can contact her for follow-up adjustments or further consultations between their regular scheduled visits to ensure their coverage remains aligned with their current circumstances.
What Does a a Disability Insurance Agent in Portage Cost?
Disability insurance agent services in Michigan are typically paid through commissions from the insurance carrier not direct fees to you. Policy premiums vary widely based on age health and coverage amount. For example a 40 year old in Portage might pay 2 to 4 percent of their annual income for a policy covering 60 percent of salary. Costs depend on elimination periods and benefit durations. This is general information not insurance advice.
About disability insurance agents in Portage
Disability insurance agents in Portage Michigan help individuals and businesses secure income protection policies. Michigan law requires insurers to act in good faith when handling claims under the Uniform Trade Practices Act. Agents can guide you through policy options and the claims process specific to Michigan regulations.
Frequently Asked Questions
What does a disability insurance agent in Portage do?
A disability insurance agent helps you compare policies from different carriers and explains benefit terms. They can assist with filing initial claims and understanding Michigan specific policy exclusions. Agents do not provide legal advice but can clarify coverage details.
How do Michigan disability insurance laws affect my claim?
Michigan follows the Uniform Trade Practices Act which prohibits unfair claim settlement practices. Insurers must respond to claims within 30 days. If a claim is denied the agent can help you request a formal review under Michigan law.
Can a Portage agent help with an existing disability claim appeal?
Yes many agents assist with the appeals process by gathering medical records and submitting required forms. Michigan law allows you to request an internal appeal within 180 days of denial. An agent can coordinate with your doctor to strengthen your case.
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