The top-rated disability insurance agent in Beavercreek, Ohio is Jack Herbst - State Farm Insurance Agent, rated 5.0 stars across 230 reviews. Other highly rated options include Michael Saylor - State Farm Insurance Agent, Matulka Insurance Agency, Miller Insurance & Financial Services, LLC. This directory lists 17 disability insurance agents serving Beavercreek.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jack Herbst - State Farm Insurance Agent | 3297 Seajay Dr | (937) 426-1000 |
| 2 | Michael Saylor - State Farm Insurance Agent | 3797 Dayton Xenia Rd | (937) 426-9834 |
| 3 | Matulka Insurance Agency | 2262 County Line Rd | (937) 781-0011 |
| 4 | Miller Insurance & Financial Services, LLC | At The Greene, 70 Birch Alley Ste250 | (937) 427-3600 |
| 5 | Reichley Insurance Agency powered by OneDigital | 2440 Dayton Xenia Rd A | (937) 429-0655 |
| 6 | Farmers Insurance - Andrew Ander | 1360 N Fairfield Rd | (937) 320-9999 |
| 7 | Competitive Insurance Group | 2496 Commons Blvd | (937) 552-2055 |
| 8 | Papanek Insurance | 4048 Colonel Glenn Hwy | (937) 716-1935 |
| 9 | Cotterman & Associates LLC American Family Insurance | 4049 Dayton Xenia Rd STE 204 | (419) 318-5935 |
| 10 | Lampton Engle & Associates | 1326 Parkway Ct | (937) 427-8444 |
Jack Herbst - State Farm Insurance Agent serves the Beavercreek, Ohio area as a disability insurance agent. The company helps clients evaluate their need for income protection in the event of an illness or injury. It works with individuals to review existing coverage options and identify potential gaps in financial security. The agency offers guidance through the application process for short-term disability policies and assists clients in securing long-term disability plans tailored to their personal circumstances.
Michael Saylor, a disability insurance agent in Beavercreek, OH, provides a full range of disability income protection services, including coverage for short-term and long-term needs. The agency offers plan reviews to help clients maintain appropriate coverage as their circumstances change. It assists individuals in understanding policy terms and coordinating disability benefits with other income sources. Services are available for working professionals, single-family homeowners, apartment dwellers, retail employees, and staff at local restaurants.
Serving homeowners, renters, and small business owners in Beavercreek, Ohio, Matulka Insurance Agency provides disability insurance agent services. It helps clients select coverage that replaces a portion of lost income if they become unable to work due to illness or injury. The agency guides customers through policy options and plan terms. It also serves individuals and businesses in the surrounding Dayton metro area and neighboring communities such as Fairborn.
Miller Insurance & Financial Services, LLC in Beavercreek, OH, helps clients distinguish between policies paid in a single lump sum versus those requiring ongoing monthly premiums, each offering different approaches to income protection. These disability insurance agents work to match coverage with an individual’s specific financial situation and career risks. Service is provided on a scheduled basis, typically arranged by appointment to review individual policy needs and make adjustments to existing plans.
Reichley Insurance Agency powered by OneDigital serves Beavercreek, Ohio, and the surrounding communities in the Dayton region. The agency handles disability insurance, offering policies that provide income protection if an illness or injury prevents a person from working. It works with individuals and businesses to understand their specific coverage needs. The agency typically begins with a thorough review of each client’s current financial situation before recommending a suitable policy.
Farmers Insurance - Andrew Ander specializes in disability insurance agent services, helping clients protect their income through customized coverage options. Based in Beavercreek, OH, this agency advises residents on policies that replace lost earnings due to illness or injury. It assists individuals and small businesses in understanding plan benefits and navigating application requirements. The agency also provides guidance on policy updates as personal circumstances change, such as preparing for the increased risk of seasonal workplace accidents or a sudden medical leave during winter months.
Competitive Insurance Group serves Beavercreek residents needing personal disability income protection to safeguard their earnings during illness or injury. The company also helps local businesses secure commercial disability coverage for their employees, addressing the specific risks professionals in the Dayton area face. Serving both residential and commercial clients throughout Beavercreek and the surrounding region, the agency guides policyholders through choosing appropriate plans from multiple carriers. Regular claims follow-up and coverage reviews between annual visits ensure policies remain aligned with changing needs.
As the seasons change in Beavercreek, many working residents begin to review their financial safeguards, particularly against unexpected health issues. Papanek Insurance works as a disability insurance agent in this community, helping individuals understand how income protection policies can provide stability during recovery from an illness or injury. Clients in the area often seek guidance on tailoring coverage to fit their specific occupation and lifestyle needs. The process typically begins with a personalized consultation to assess current income, expenses, and long-term financial goals.
Cotterman & Associates LLC American Family Insurance works with individuals and families in Beavercreek, Ohio, to address their income protection needs through disability insurance policies. The agency specializes in helping clients find coverage that replaces lost wages when illness or injury prevents them from working. Beyond personal plans, this agent serves local commercial operations, including offices, warehouses, and food service establishments that require disability benefits for their employees.
Lampton Engle & Associates, located in Beavercreek, Ohio, is known for helping individuals and local businesses secure disability insurance coverage that replaces lost income during illness or injury. Their service range includes assessing clients’ financial needs, guiding them through policy options, and assisting with application details common to southwestern Ohio residents. This agency can also provide ongoing policy reviews to adjust coverage as life circumstances change. For existing clients, they specialize in adding supplemental riders like guaranteed renewability.
What Does a a Disability Insurance Agent in Beavercreek Cost?
Typical costs for disability insurance in Ohio range from 1% to 3% of your annual income. For a 40 year old making 60000 per year a policy might cost between 600 and 1800 annually. Premiums vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Beavercreek
Disability insurance agents in Beavercreek Ohio help residents protect their income by finding suitable disability coverage. Ohio law requires agents to be licensed through the Ohio Department of Insurance. Local agents understand the needs of workers in the Dayton area and can explain policy options including own-occupation and any-occupation definitions.
Frequently Asked Questions
What does a disability insurance agent in Beavercreek do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms such as elimination periods and benefit amounts. They do not provide legal advice but can guide you through the application process.
Do I need disability insurance in Ohio?
Ohio does not require individuals to carry disability insurance. However many employers offer group disability coverage. An agent can help you decide if an individual policy is right for your situation.
How do Ohio laws affect disability insurance claims?
Ohio insurance law is governed by the Ohio Revised Code Title 39. Claims must be handled in good faith by insurers. If a claim is denied you have the right to appeal under the policy terms and Ohio law.
Disability Insurance Agents in Other Ohio Cities
Akron · Amelia · Avon Lake · Bowling Green · Brunswick · Canton · Centerville · Cincinnati · Cleveland · Columbus · Cuyahoga Falls · Dayton · Delaware · Dublin · Elyria