The top-rated disability insurance agent in Racine, Wisconsin is Michelle Christensen - State Farm Insurance Agent, rated 4.9 stars across 334 reviews. Other highly rated options include Compass Insurance Group, Neil Vranak - State Farm Insurance Agent, Goosehead Insurance - Benjamin Murphy. This directory lists 16 disability insurance agents serving Racine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Christensen - State Farm Insurance Agent | 5401 Douglas Ave ste d | (262) 639-6663 |
| 2 | Compass Insurance Group | 6021 Durand Ave #600 | (262) 456-0566 |
| 3 | Neil Vranak - State Farm Insurance Agent | 3131 Taylor Ave Bldg 2B | (262) 639-7678 |
| 4 | Goosehead Insurance - Benjamin Murphy | 927 Main St Suite 1 | (608) 467-4577 |
| 5 | Samantha Flores Agency LLC American Family Insurance | 320 Main St | (262) 637-4660 |
| 6 | Tree Frog Insurance Services, LLC | 548 State St | (262) 975-2225 |
| 7 | Matthew Cobb American Family Insurance | 4000 Spring St Ste 2 | (262) 633-4701 |
| 8 | Martinson Insurance Affiliate of Robertson Ryan Insurance | 2412 Lathrop Ave | (262) 554-1111 |
| 9 | Elite wise Inc. Agency | 1617 Morton Ave | (262) 726-1807 |
| 10 | CRB Insurance | 500 Wisconsin Ave | (262) 884-0900 |
Michelle Christensen - State Farm Insurance Agent serves the Racine, Wisconsin area, specializing in disability insurance to help protect local residents' incomes. The agency works with individuals to understand policy options that provide financial support if an illness or injury prevents them from working. Coverage is tailored to different occupations and income levels, addressing the specific needs of Racine workers. This Racine-based agency handles both short-term and long-term disability insurance policies for local professionals.
Compass Insurance Group provides disability insurance services to individuals and businesses in the Racine, Wisconsin area. Its offerings include helping clients understand policy options and complete applications for income protection plans. Ongoing support involves guidance on claim procedures and coverage adjustments as needs change over time. The agency’s work focuses on safeguarding clients’ incomes against unforeseen medical events. It serves a diverse range of properties, including single-family homes, apartment complexes, retail stores, and restaurants.
Homeowners, renters, and small business owners in Racine, Wisconsin can turn to Neil Vranak - State Farm Insurance Agent for disability insurance agent services. The agency helps local residents select income protection policies designed to cover a portion of lost wages after an injury or illness prevents work. Consultations focus on evaluating individual needs and explaining policy terms clearly. The company also serves clients in the Kenosha metro area.
Goosehead Insurance - Benjamin Murphy in Racine, WI specializes in providing disability insurance agent services to local professionals and individuals. The company helps clients understand and compare policy options that protect income if an illness or injury prevents them from working. General service work includes assessing coverage needs and explaining how different plans offset lost earnings. This agent assists with reviewing existing policies for adequate benefits. When a long-term injury or recovery period threatens financial stability, the company helps clients in Racine adjust their disability protection to match changing medical circumstances.
Samantha Flores Agency LLC American Family Insurance in Racine, WI helps clients choose between short-term disability policies for temporary income replacement and long-term coverage for extended medical leaves. These plans protect a portion of earnings when injury or illness prevents work, ensuring financial stability during recovery. Services are available on a one-time consultation basis for initial policy setup or as scheduled reviews for clients who wish to adjust existing coverage over time.
As Wisconsin winters tempt slips on icy pavement and summer gardening brings unexpected strains, disability insurance offers Racine residents a financial safeguard against injuries that sideline daily work. Tree Frog Insurance Services, LLC serves this need by guiding clients through policy options for income protection. Located in Racine, the agency specializes in tailoring plans that cover partial or total disability. Every engagement begins with a thorough review of individual circumstances and existing coverage, ensuring no gaps remain in protection during a first consultation.
Matthew Cobb American Family Insurance serves residents in Racine, Wisconsin, and the surrounding communities of southeastern Wisconsin. The company specializes in disability insurance, handling policies that help protect a client’s income if an illness or injury prevents them from working. This agent works with individuals to review their current financial situation and employment risks. To complete a typical job, the agent first assesses a client’s specific coverage needs and then compares available policy options to recommend a suitable disability plan.
Martinson Insurance Affiliate of Robertson Ryan Insurance provides disability insurance agent services in Racine, Wisconsin. The agency focuses on policies that help replace lost income when clients cannot work due to illness or injury. It can assist businesses in protecting their employees with tailored disability coverage. The commercial sectors it serves include offices, warehouses, and food service establishments.
Elite Wise Inc. Agency is a disability insurance agent serving clients in Racine, Wisconsin, offering guidance on options for income protection. It works with individuals to understand policy features, benefit periods, and elimination periods tailored to different occupations. The firm also helps clients coordinate disability coverage with existing health and savings plans. For added security, it can assist with an optional own-occupation rider that pays benefits when a client cannot perform the duties of their specific job.
CRB Insurance serves Racine residents with personalized disability insurance guidance, helping individuals protect their income against unexpected illness or injury. They also assist local businesses in obtaining commercial disability coverage that safeguards their teams and operations. Their service area includes Racine and the surrounding southeastern Wisconsin communities. Clients often return for periodic policy reviews to ensure their coverage adapts to changing life circumstances or career developments, with follow-up occurring between routine visits.
What Does a a Disability Insurance Agent in Racine Cost?
Disability insurance agents in Wisconsin typically earn a commission from the insurance company, so you may not pay a direct fee. Policy premiums vary widely based on 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. Costs are different for each person. This is general information, not insurance advice.
About disability insurance agents in Racine
A disability insurance agent in Racine Wisconsin can help you understand your policy options and file claims. Wisconsin law requires insurers to respond to disability claims within specific timeframes. Working with a local agent ensures you get guidance tailored to Wisconsin regulations and the Racine job market.
Frequently Asked Questions
What does a disability insurance agent in Racine do?
A disability insurance agent helps you choose a policy, file claims, and appeal denials. They know Wisconsin insurance laws and can explain how state rules affect your coverage. Agents do not provide legal advice but can assist with paperwork and insurer communication.
How do Wisconsin disability insurance laws affect my claim?
Wisconsin law requires insurers to pay or deny a disability claim within 45 days of receiving it. If more time is needed, the insurer must explain the delay. An agent can help you track these deadlines and respond to requests for additional information.
Can a disability insurance agent help with an appeal in Racine?
Yes, an agent can help you gather medical records and submit a formal appeal to the insurer. Wisconsin law gives you 180 days to appeal a denied claim. The agent can also explain your policy terms and suggest next steps if the appeal is denied.
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