The top-rated disability insurance agent in St. Louis, Missouri is MBhealth Insurance Agency, rated 4.9 stars across 577 reviews. Other highly rated options include POWERS Insurance and Risk Management, Kevin Wingenbach - State Farm Insurance Agent, Derek Miller - State Farm Insurance Agent. This directory lists 50 disability insurance agents serving St. Louis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MBhealth Insurance Agency | 9700 MacKenzie Rd STE 101 | (314) 544-5400 |
| 2 | POWERS Insurance and Risk Management | 6825 Clayton Ave #200 | (314) 725-1414 |
| 3 | Kevin Wingenbach - State Farm Insurance Agent | 4530 Lemay Ferry Rd Suite L | (314) 487-2100 |
| 4 | Derek Miller - State Farm Insurance Agent | 5811 S Lindbergh Blvd | (314) 892-4999 |
| 5 | R T Thomas Insurance, LLC | 8131 Delmar Blvd | (314) 725-5535 |
| 6 | Kreismann Bayer Insurance Agency | 652 N New Ballas Rd | (314) 567-3344 |
| 7 | Goetz Insurance Agency | 4586 Telegraph Rd | (314) 720-1702 |
| 8 | Elevated Insurance Group | 345 Marshall Ave Ste 200 | (314) 806-3600 |
| 9 | Valley Insurance Agency Alliance LLC (VIAA) | 6825 Clayton Ave #200 | (314) 333-4910 |
| 10 | Norrell Insurance Agency | 401 Pine St #7 | (636) 575-9526 |
MBhealth Insurance Agency provides disability insurance agent services in the St. Louis, Missouri area. It assists individuals and employers in understanding and selecting income protection policies that replace lost earnings due to illness or injury. Ongoing support includes policy reviews and claims management to ensure coverage remains aligned with changing financial responsibilities and health circumstances. The agency handles applications and renewals for professionals across various property types, including single-family homes, apartment complexes, retail spaces, and restaurants.
POWERS Insurance and Risk Management serves homeowners, businesses, and property managers in St. Louis, Missouri, by helping them secure disability insurance coverage. This type of agent assists clients in selecting policies that replace a portion of income if an injury or illness prevents them from working. They guide customers through the process of comparing different plans and explaining key policy terms. The agency also works with residents in the neighboring St. Louis County area to provide similar coverage options.
Kevin Wingenbach - State Farm Insurance Agent serves the St. Louis, Missouri area and its surrounding communities. It handles disability insurance policies, which provide income protection if an illness or injury prevents someone from working. The agent works with clients to review current job duties, income levels, and waiting periods so that a policy aligns with personal financial risks. Each case is approached by comparing coverage options to find a suitable benefit waiting period and benefit amount for different occupation types.
Derek Miller - State Farm Insurance Agent in St. Louis, MO, is known for providing disability insurance agent services. The operation offers guidance to individuals and small business owners seeking income protection policies tailored to local health and employment needs. Clients typically discuss how disabilities could impact personal finances or monthly expenses during an appointment. The agency also specializes in integrating short-term disability options with existing coverage plans.
R T Thomas Insurance, LLC provides guidance on disability income protection options in the St. Louis area. The agency helps clients evaluate coverage that can replace a portion of lost earnings due to illness or injury. Their work focuses on matching policy features to individual professional and personal circumstances. This service assists local office workers, staff in warehouses, and employees within the food service industry in securing suitable plans tailored to their specific roles.
Kreismann Bayer Insurance Agency is a Disability Insurance Agent in St. Louis, Missouri, known for helping professionals replace lost income when they cannot work due to illness or injury. Its service range includes evaluating policy options aligned with individual health risks and career demands. The agency assists with applications and policy reviews to secure benefit structures that suit clients’ financial needs. For an additional service, it coordinates own-occupation disability coverage for physicians, attorneys, and other specialized professionals.
Goetz Insurance Agency serves residents in St. Louis, Missouri, by helping them secure disability income protection for individual clients. The agency also assists local businesses in obtaining commercial disability coverage to support their employees and operations across the greater St. Louis area. Each policy is tailored to provide financial stability in case of illness or injury that prevents work. The agent follows up with clients after claims are processed and offers ongoing plan adjustments between regular review visits.
Elevated Insurance Group serves the St. Louis, Missouri metropolitan area as a Disability Insurance Agent. The company assists individuals and local businesses in finding income protection plans that replace a portion of wages if an illness or injury prevents work. They guide clients through the policy selection process, explaining coverage options and benefit periods. Their work regularly includes evaluating short-term and long-term disability policies to match the specific financial needs of professionals and self-employed residents across the region.
Valley Insurance Agency Alliance LLC helps homeowners, businesses, and property managers in St. Louis, Missouri, secure disability insurance policies that protect against income loss due to injury or illness. The agency simplifies the complex underwriting process, guiding clients through policy options and benefit structures tailored to their unique employment situations. Covering the City of St. Louis and surrounding communities in St. Louis County, VIAA also serves clients across the metro area into St. Charles.
Norrell Insurance Agency offers a range of disability insurance agent services in St. Louis, Missouri, assisting clients with evaluating and selecting income protection policies. These services typically include policy reviews and ongoing consultation to adjust coverage as clients’ needs evolve. The agency serves individuals seeking to replace lost wages due to illness or injury, addressing the specific financial risks of different professions. Its work commonly extends to small business owners and professionals who rely on steady income, with properties including single-family homes, apartments, retail, and restaurants.
What Does a a Disability Insurance Agent in St. Louis Cost?
Disability insurance premiums in Missouri typically range from 1% to 3% of your annual income, depending on age, health, occupation, and benefit amount. For a 35-year-old professional earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary by case and carrier. This is general information, not insurance advice.
About disability insurance agents in St. Louis
Disability insurance agents in St. Louis help individuals and businesses find income protection plans that fit their needs. Missouri law does not require employers to offer disability insurance, so many workers seek private policies to cover lost wages. A local agent can explain how Missouri state regulations affect benefit payments and claim timelines.
Frequently Asked Questions
What does a disability insurance agent in St. Louis do?
An agent helps you compare policies from different carriers and explains coverage limits, elimination periods, and benefit durations. They can also guide you on how Missouri law affects policy terms, such as the state tax treatment of premiums and benefits.
Is disability insurance required in Missouri?
No, Missouri does not mandate disability insurance for private employers. However, some employers offer short-term or long-term disability as a voluntary benefit. An agent can help you decide if a private policy is right for your situation.
How do Missouri laws affect disability insurance claims?
Missouri follows the Employee Retirement Income Security Act for employer-sponsored plans, which sets federal claim deadlines. For individual policies, Missouri contract law applies, and you typically have up to five years to file a lawsuit for breach of contract.
Disability Insurance Agents in Other Missouri Cities
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