The top-rated disability insurance agent in Waterford Township, Michigan is Joe Fagan - State Farm Insurance Agent, rated 4.9 stars across 473 reviews. Other highly rated options include J. Bejin & Associates, Acrisure Waterford Township, MI (Select Underwriters), AAA Insurance - Jon Gilroy Insurance Agency. This directory lists 18 disability insurance agents serving Waterford Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Fagan - State Farm Insurance Agent | 6909 Highland Rd | (248) 666-2590 |
| 2 | J. Bejin & Associates | 2300 Dixie Hwy Suite 415 | (248) 599-9076 |
| 3 | Acrisure Waterford Township, MI (Select Underwriters) | 100 N Williams Lake Rd Suite A | (248) 698-7600 |
| 4 | AAA Insurance - Jon Gilroy Insurance Agency | 5324 Highland Rd | (248) 618-3665 |
| 5 | Acrisure Waterford Township, MI (Huttenlocher Group) | 1007 W Huron St | (248) 681-2100 |
| 6 | Vollrath Insurance Services | 4700 Dixie Hwy | (248) 673-1219 |
| 7 | LOOK! Insurance Agencies, Inc. | 1400 Scott Lake Rd a | (248) 673-5665 |
| 8 | DAD Agency - Insurance | 5459 Dixie Hwy | (248) 623-2323 |
| 9 | Willow Insurance Group | 4944 Highland Rd | (855) 677-2221 |
| 10 | Farmers Insurance - Angela Corliss | 1370 N Oakland Blvd Ste 108 | (248) 234-6665 |
Joe Fagan - State Farm Insurance Agent serves the Waterford Township, Michigan area and the surrounding Oakland County communities as a disability insurance agent. The agency works with local residents and business owners to secure income protection in the event of illness or injury. Helping clients understand policy terms and coverage limits is a core part of each consultation. The agency focuses on both short-term and long-term disability insurance plans to meet individual and family needs.
J. Bejin & Associates provides a range of services as a disability insurance agent in Waterford Township, MI. It helps clients understand policy options that offer financial protection if an illness or injury prevents them from working. The company can assist with plan selection and guide clients through the application process. Service includes reviewing coverage needs to ensure policies remain aligned with current circumstances. Ongoing maintenance plans may involve periodic policy evaluations and support with claims filings. The agency assists individuals and professionals, covering single-family homes, apartments, retail, and restaurants.
Acrisure Waterford Township, MI (Select Underwriters) serves local homeowners, businesses, and property managers seeking income protection through disability insurance. It guides clients in selecting policies that replace a portion of earnings if illness or injury prevents work. The agency helps clarify coverage options and application requirements for those in Waterford Township and the surrounding Oakland County communities, including nearby Pontiac.
Serving Waterford Township, MI, and the surrounding communities, AAA Insurance - Jon Gilroy Insurance Agency handles disability insurance coverage for local residents. This type of insurance replaces a portion of income if an injury or illness prevents an individual from working. The agency assesses each client’s occupation and monthly expenses to recommend a policy that fits their specific financial situation and risk profile. A typical job begins with a detailed conversation about the client’s current earnings and long-term needs.
Acrisure Waterford Township, MI (Huttenlocher Group) assists local residents in distinguishing between short-term disability coverage, typically a one-time benefit option, and long-term policies, which provide recurring support for extended periods. As a disability insurance agent in Waterford Township, the agency helps clients understand how these plans replace income during illness or injury. Their service guidance is available on either a one-time consultation or scheduled ongoing review basis.
Late winter often brings renewed focus on financial protection as Michigan residents assess their income stability. Vollrath Insurance Services, a disability insurance agent in Waterford Township, assists individuals with coverage designed to replace lost earnings if illness or injury prevents work. They clarify the difference between short-term and long-term policies, helping clients match benefits to their monthly obligations. Understanding that every occupation carries distinct risks, the agency reviews each client’s employment situation. The process begins with a no-obligation review of current policies and income needs.
LOOK! Insurance Agencies, Inc. provides specialized disability insurance agent services, helping clients select income protection policies in the Waterford Township, MI area. The company works with individuals to understand how disability coverage can safeguard earnings during an unexpected illness or injury. It also assists businesses in finding group plans that support employee financial stability. Whether someone is recovering from surgery in the cold weather months or facing a chronic condition that limits work, LOOK! Insurance Agencies, Inc. helps address these situations with appropriate coverage options.
DAD Agency - Insurance provides disability insurance agent services to individuals and businesses in Waterford Township, MI. The agency focuses on helping clients secure income protection for unexpected injuries or illnesses. It offers specialized guidance on policy options such as short-term and long-term disability coverage. The company serves a range of commercial sectors, including offices, warehouses, and food service establishments.
Willow Insurance Group, based in Waterford Township, MI, is known for providing disability insurance agent services to individuals and businesses in the local area. Its work focuses on helping clients understand various disability policies that replace income during illness or injury. The company assists with comparing plan options from multiple carriers through a consultative process. A specialty service it can add on is coordinating short-term and long-term disability benefits within a single customized coverage strategy.
Farmers Insurance - Angela Corliss provides disability insurance agent services to residents in Waterford Township, MI. The agency also offers coverage options for local commercial clients throughout the surrounding area, including small businesses and independent professionals. Disability insurance protects income by replacing a portion of earnings when illness or injury prevents a person from working. Agents here help clients select policies suited to their individual needs during initial consultations. Follow-up is typically offered between regular scheduled visits to adjust coverage or discuss any changes in the client’s circumstances.
What Does a a Disability Insurance Agent in Waterford Township Cost?
Disability insurance agent services in Michigan typically do not charge a separate fee to you because they earn commissions from insurance companies. Policy costs vary widely based on your age, health, occupation, and benefit amount. For example, a 40-year-old office worker might pay 1% to 3% of their annual income for a policy, while a higher-risk occupation could cost more. This is general information, not insurance advice.
About disability insurance agents in Waterford Township
Disability insurance agents in Waterford Township, Michigan help residents protect their income if they cannot work due to illness or injury. Michigan law does not require private disability insurance, but agents can guide you through group or individual policies. Local agents understand Michigan-specific regulations, such as the 30-day grace period for premium payments under state insurance rules.
Frequently Asked Questions
What does a disability insurance agent in Waterford Township do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms, waiting periods, and benefit amounts. Agents in Michigan must be licensed by the Michigan Department of Insurance and Financial Services.
How long do I have to file a disability claim in Michigan?
Most disability policies in Michigan require you to file a claim within 30 to 90 days of becoming disabled. Check your specific policy for exact deadlines. Michigan law also allows up to one year to file a lawsuit if your claim is denied.
Can a disability insurance agent help with pre-existing conditions?
Yes, an agent can explain how pre-existing condition exclusions work in Michigan policies. Many group plans have a 12-month look-back period for pre-existing conditions. Individual policies may have different rules, so an agent can clarify your options.
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