The top-rated disability insurance agent in Florissant, Missouri is Alex Vogt - State Farm Insurance Agent, rated 4.9 stars across 337 reviews. Other highly rated options include Dimitri Owens - State Farm Insurance Agent, Shelter Insurance - Chris Hamilton, AAA Florissant Insurance and Member Services. This directory lists 15 disability insurance agents serving Florissant.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alex Vogt - State Farm Insurance Agent | 301 Rue St. Francois St | (314) 838-3494 |
| 2 | Dimitri Owens - State Farm Insurance Agent | 3533 Dunn Rd Suite 202 | (314) 831-9511 |
| 3 | Shelter Insurance - Chris Hamilton | 3837 Vaile Ave Apt E | (314) 831-2226 |
| 4 | AAA Florissant Insurance and Member Services | 8194 N Lindbergh Blvd | (314) 838-9900 |
| 5 | Darrell Ditto American Family Insurance | 925 N Hwy 67 | (314) 837-1384 |
| 6 | The Milburn Agency | 100 St Francois St #207 | (314) 837-1078 |
| 7 | Alternatives Insurance | 39 St Anthony Ln | (314) 831-3700 |
| 8 | Paul Manganelli Agency LLC American Family Insurance | 717 Rue St. Francois St | (314) 972-6000 |
| 9 | Able Insurance | 1665 N Hwy 67 | (314) 921-5900 |
| 10 | TwoGil Insurance Agency | 1650 Shackelford Rd Ste 1551 | (314) 831-9933 |
Alex Vogt - State Farm Insurance Agent serves the Florissant, Missouri metro area with disability insurance services. This agency assists clients in understanding how disability coverage can help protect their income should an unexpected injury or illness prevent them from working. Agents here meet with individuals to review their specific employment situations and financial obligations. They also help explain the differences between short-term and long-term disability policies available to local residents.
Dimitri Owens, a State Farm Insurance Agent in Florissant, MO, provides a full range of disability insurance services, including short-term and long-term income protection policies. The agency offers thorough consultations to match clients with suitable coverage and assists with filing claims for ongoing support. Claimants can rely on dedicated service for policy maintenance, such as adjusting benefits after life changes. This agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Shelter Insurance - Chris Hamilton serves clients in Florissant, Missouri, and the surrounding St. Louis communities, specializing in disability insurance. It helps individuals secure income protection in the event of an illness or injury that prevents them from working. The agent works directly with clients to understand their personal financial obligations. Each case is handled by carefully reviewing the client’s occupation, current coverage gaps, and monthly expenses. This focused approach allows the agent to recommend a policy tailored specifically to the client’s unique risk profile and budget.
AAA Florissant Insurance and Member Services serves homeowners, businesses, and property managers in Florissant, Missouri who need coverage against income loss due to injury or illness. A disability insurance agent helps clients understand policy terms and select plans that replace a portion of earnings during recovery. The agency assists with both individual policies and group plans for local employers. It also provides services to residents and businesses in nearby Hazelwood and the broader St. Louis metropolitan area.
Darrell Ditto American Family Insurance in Florissant, MO provides disability insurance agent services that can be arranged either as a one-time consultation or as an ongoing recurring relationship. Coverage focuses on income protection for clients who become unable to work due to illness or injury. The policy options address local financial planning needs, ensuring benefit structures align with individual employment circumstances. This service runs on either a one-time, scheduled, or as-needed basis depending on each client’s preference for ongoing reviews.
The Milburn Agency specializes in helping clients secure disability insurance to protect their income against illness or injury. It works with individuals and professionals in Florissant, Missouri, to evaluate policy options suited to their occupation and lifestyle needs. The agency guides clients through the process of finding coverage that supports financial stability during unexpected periods of inability to work. With a change of seasons approaching, it helps long-distance commuters prepare for winter weather-related hazards that could temporarily prevent them from driving to their job sites.
In the Florissant area, life changes like a new job or growing a family often create a need to evaluate income protection. Alternatives Insurance works with local residents to assess their specific risk factors and explain how disability coverage can replace lost earnings during an unexpected illness or injury. They guide clients through the different policy options available in Missouri, focusing on individual needs. The process typically begins by scheduling a free initial assessment to review current coverage and financial goals.
The Paul Manganelli Agency LLC, an American Family Insurance office in Florissant, MO, sells property-casualty policies as a general agency. For clients seeking specialized coverage, the agency also offers disability insurance, a product that replaces a portion of income if the policyholder becomes unable to work due to illness or injury. This agency serves local commercial sectors including downtown offices, regional warehouses, and fast-casual food service businesses.
Able Insurance in Florissant, MO is known for helping local residents secure individual or group disability income protection. Its service range includes assessing a client's occupation-specific risk to design an adequate policy. Navigating application requirements and medical underwriting is a standard part of the process. This agent can also assist with evaluating short-term versus long-term benefit options for a more complete plan, ending with rider add-ons such as a future purchase option.
TwoGil Insurance Agency provides disability insurance services to residents in Florissant, Missouri, offering personalized coverage options for individual needs. The agency also assists local businesses with commercial disability policies, aiming to protect their workforces and operations throughout the greater St. Louis area. Each policy is designed to replace a portion of income during periods of unexpected illness or injury. The agency schedules timely follow-ups to review coverage adjustments between regular visits, ensuring clients remain adequately protected as their circumstances evolve.
What Does a a Disability Insurance Agent in Florissant Cost?
The cost of disability insurance in Missouri varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Florissant
Disability insurance agents in Florissant Missouri help individuals and business owners protect their income. These agents can guide you through policy options and assist with claims. Missouri law requires agents to be licensed by the Missouri Department of Insurance, ensuring they meet state standards.
Frequently Asked Questions
What does a disability insurance agent in Florissant do?
A disability insurance agent helps you find a policy that fits your needs. They explain coverage options, help with applications, and assist during the claims process. Agents in Florissant are familiar with local employers and Missouri insurance regulations.
How do I choose a disability insurance agent in Florissant Missouri?
Look for an agent licensed in Missouri with experience in disability coverage. Ask about their knowledge of group and individual policies. You can verify a license through the Missouri Department of Insurance website.
Are there Missouri laws that affect disability insurance claims?
Yes. Missouri has a statute of limitations for filing a lawsuit on a disability insurance claim, typically 10 years for written contracts. Also, Missouri follows the principle of good faith and fair dealing, which means insurers must handle claims honestly.
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