The top-rated disability insurance agent in Liberty, Missouri is Matt Kelly - State Farm Insurance Agent, rated 5.0 stars across 351 reviews. Other highly rated options include Tracy Tucker - State Farm Insurance Agent, Cyndi Davidson - State Farm Insurance Agent, Danielle Kohler Agency LLC American Family Insurance. This directory lists 20 disability insurance agents serving Liberty.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Matt Kelly - State Farm Insurance Agent | 888 Haines Suite 206 | (816) 415-9898 |
| 2 | Tracy Tucker - State Farm Insurance Agent | 36 S Main St | (816) 255-2337 |
| 3 | Cyndi Davidson - State Farm Insurance Agent | 352 Rte 291 | (816) 781-5991 |
| 4 | Danielle Kohler Agency LLC American Family Insurance | 1201 Landmark Ave #4 | (816) 792-3303 |
| 5 | Todd Nitsche - COUNTRY Financial Representative | 1528 NE 96th St Ste C | (816) 407-9326 |
| 6 | David Lawson Agency Inc American Family Insurance | 1512 N Church Rd # D | (816) 792-4448 |
| 7 | David Starns: Allstate Insurance | 1512 N Church Rd Ste B | (816) 781-7331 |
| 8 | Shelter Insurance - Ken Bohr | 963 W Liberty Dr | (816) 792-2949 |
| 9 | Goosehead Insurance - Brad Cross | 2 Westowne Dr Ste 102 | (816) 287-8823 |
| 10 | Gary Wagner Insurance, LLC | 249 W Mill St Ste 106 | (816) 792-2526 |
Matt Kelly - State Farm Insurance Agent serves the Liberty, MO area and surrounding Clay County communities with disability insurance agent services. This agency helps local residents understand how disability coverage can protect income if illness or injury prevents them from working. As an independent local agent, it provides personalized consultations to assess individual needs and budget. The agency specializes in short-term disability policies for temporary conditions and long-term disability plans for more extended periods of inability to work.
Tracy Tucker - State Farm Insurance Agent in Liberty, MO, provides disability insurance agent services to local residents and businesses. This agency offers both individual and group disability policies designed to replace income if a client becomes unable to work due to illness or injury. Agents can discuss plan options and help maintain or update existing coverage to meet changing needs. The agency services a range of property types in the Liberty area, including single-family homes, apartments, retail locations, and restaurants.
Cyndi Davidson - State Farm Insurance Agent serves homeowners, renters, and small business owners in Liberty, Missouri, offering disability insurance to help replace lost income when an injury or illness prevents work. The agency provides guidance on policy options, explaining coverage details and benefit periods to support clients in building financial protection. Assistance is also available for policy reviews and filing claims. This office extends its disability insurance services to nearby communities throughout Clay County and the Kansas City Northland area.
Assisting with disability insurance can involve either a one-time policy setup or ongoing review of coverage as income needs evolve. Danielle Kohler Agency LLC American Family Insurance, based in Liberty, MO, helps local clients understand how disability insurance works to replace lost income during illness or injury. Services focus on creating personalized coverage plans that fit each person’s unique financial situation. This agency offers its support on a one-time or scheduled basis, depending on whether clients need a single consultation or regular policy check-ins.
As winter weather and seasonal hazards increase in Liberty, Todd Nitsche - COUNTRY Financial Representative helps local workers and individuals plan for unexpected income loss from illness or injury. The disability insurance agent reviews personal employment risks and coverage gaps specific to the Kansas City metro area. After discussing a client’s occupation, medical history, and benefit needs, the agent then provides an initial consultation to assess eligibility for a tailored policy.
The David Lawson Agency Inc American Family Insurance specializes in providing disability insurance agent services in the Liberty, MO area. It helps individuals secure income protection policies that replace a portion of wages if an illness or injury prevents them from working. The agency also offers general consultations to assess a client’s coverage needs based on their occupation and lifestyle. It assists clients with planning for unexpected health setbacks, such as the increased reliance on disability benefits during the winter flu season.
David Starns: Allstate Insurance serves Liberty, Missouri, and the surrounding communities, handling standard disability insurance agent services. It helps local residents assess their income protection needs through individual or employer-based disability policies. The agency evaluates client occupation types and coverage goals to recommend suitable plan options from available carriers. David Starns manages each case by coordinating the application process and explaining policy terms, benefits, and elimination periods. It uses a consultative approach to clarify coverage details before clients make an informed decision.
Shelter Insurance - Ken Bohr provides comprehensive coverage options for individuals and businesses in the Liberty, Missouri area, with a particular focus on disability insurance agent services that help protect income during illness or injury. These policies are designed to offer financial stability when an individual cannot work due to medical reasons. The agent assists clients in navigating policy details to match their specific occupational needs. Commercial sectors this agency can serve include offices, warehouses, and food service businesses.
Goosehead Insurance - Brad Cross provides disability insurance agent services to residents in and around Liberty, MO. This agency assists individuals seeking income protection for personal financial security. Commercial disability coverage is also available for local businesses needing to safeguard their operations. The service area includes Liberty and the broader surrounding communities in Clay County. Clients can expect clear guidance on policy options tailored to each unique situation. Follow-up assistance is provided between regular visits to address any changes in coverage needs or to review current benefits.
What Does a a Disability Insurance Agent in Liberty Cost?
Disability insurance premiums in Missouri typically range from 1% to 3% of your annual income. For a 35-year-old non-smoker in Liberty, a policy covering 60% of income may cost between $50 and $150 per month. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Liberty
Disability insurance agents in Liberty, Missouri help individuals and business owners protect their income against unexpected illness or injury. Missouri law does not require disability insurance, but many employers offer it as a voluntary benefit. Agents in Liberty can explain how policies coordinate with state programs like Missouri short-term disability and Social Security Disability Insurance.
Frequently Asked Questions
What does a disability insurance agent in Liberty do?
A disability insurance agent in Liberty helps you compare policies from different carriers, explains benefit terms, and assists with the application process. They can also help you understand how Missouri state law affects policy provisions, such as the 30-day waiting period for some group plans.
How do I choose a disability insurance agent in Liberty Missouri?
Look for an agent licensed in Missouri who has experience with both individual and group disability policies. Ask about their familiarity with local employers in Liberty and their knowledge of Missouri insurance regulations, including the state's 15-day grace period for premium payments.
Are disability insurance benefits taxable in Missouri?
Benefits are generally tax-free if you paid the premiums with after-tax dollars. If your employer paid the premiums, benefits are taxable as income under Missouri state law. An agent can help you structure your policy to match your tax situation.
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