The top-rated disability insurance agent in Algonquin, Illinois is Andre Smith: Allstate Insurance, rated 4.8 stars across 231 reviews. Other highly rated options include Steve Duitsman - State Farm Insurance Agent, Shelter Insurance - Bryan Clark, Brazelton Insurance Group, Inc. This directory lists 20 disability insurance agents serving Algonquin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Andre Smith: Allstate Insurance | 1072 E Algonquin Rd | (847) 485-0405 |
| 2 | Steve Duitsman - State Farm Insurance Agent | 1455 Algonquin Rd | (847) 854-4000 |
| 3 | Shelter Insurance - Bryan Clark | 200 N Harrison St #106 | (847) 669-4664 |
| 4 | Brazelton Insurance Group, Inc | 115 N Main St Unit 101 | (224) 333-2241 |
| 5 | Steve Kosydar: Allstate Insurance | 2725 Algonquin Rd | (847) 539-0865 |
| 6 | Preferred Group Insurance Agency, Inc. | 4520 Whitehall Ln | (224) 276-5495 |
| 7 | AAA Insurance - Matter Insurance Agency | 1205 S Main St | (224) 470-7256 |
| 8 | Impressive Insurance Agency LLC - Alicja Swierczek | 1457 Merchant Dr Ste A | (630) 230-7024 |
| 9 | Impressive Insurance Agency | 1457 Merchant Dr Ste A | (773) 301-2064 |
| 10 | Insurance Benefits Resource Group | 1491 Cumberland Pkwy | (224) 333-0550 |
Andre Smith: Allstate Insurance serves McHenry County and the Algonquin, Illinois area, offering services as a disability insurance agent. The agency assists clients with policies that provide income protection when an individual cannot work due to illness or injury. These plans help replace a portion of lost wages during recovery periods. Specific services include short-term disability coverage for temporary injuries and long-term disability policies for more extended medical conditions.
Steve Duitsman - State Farm Insurance Agent in Algonquin, IL, provides a range of disability insurance services designed to help replace a portion of lost income if an injury or illness prevents work. The agency offers consultations to review existing policies and assist clients in selecting new coverage plans that align with their financial situations. Maintenance services include periodic policy reviews to account for life changes such as career shifts or new dependents. The agency services individuals, single-family homeowners, apartment renters, retail employees, and restaurant workers.
Shelter Insurance - Bryan Clark serves homeowners, renters, and business owners in Algonquin, Illinois, helping them secure disability income protection. The agency assists clients in evaluating policies that replace a portion of earnings if an illness or injury prevents them from working. Bryan Clark’s office guides customers through plan options tailored to individual budgets and employment situations. This coverage helps safeguard financial stability during unexpected health challenges. The agency also extends its disability insurance services to neighboring communities such as Crystal Lake and the greater McHenry County area.
Brazelton Insurance Group, Inc in Algonquin, IL, helps clients distinguish between one-time disability policies and recurring coverage options that renew over time. The agency focuses on securing income protection plans designed to replace a portion of earnings if an individual becomes unable to work due to injury or illness. Services are available on an as-needed basis, allowing clients to review or adjust their disability insurance when circumstances change or a new need arises.
Serving Algonquin, Illinois, and the surrounding Fox River Valley communities, Steve Kosydar: Allstate Insurance handles disability insurance for local residents. This type of coverage helps replace a portion of income if an illness or injury prevents someone from working. The agency typically begins by reviewing a client’s occupation and current financial situation. From there, it assesses the waiting period and benefit amount needed to match the client’s monthly expenses. The agent then compares policy options to present a clear recommendation tailored to that individual’s specific risks.
Preferred Group Insurance Agency, Inc. in Algonquin, Illinois, provides specialized disability insurance services, including short-term and long-term income protection planning. It assists individuals and local businesses with evaluating coverage options that replace lost earnings due to illness or injury. The agency works to help clients understand policy terms and coordinate benefits with existing health plans. In Algonquin, it also advises on protections for seasonal workers and those facing temporary medical leaves from their jobs.
As the leaves turn and residents of Algonquin, IL begin planning for winter activities, the need to protect one’s income against unexpected injury becomes clear. AAA Insurance - Matter Insurance Agency provides disability insurance agent services to help local workers secure coverage for lost wages if they become unable to perform their job. They focus on explaining policy terms and comparing plans for different professions. The process begins with a complimentary initial assessment of the client’s current coverage and income needs.
As a disability insurance agent, Impressive Insurance Agency LLC - Alicja Swierczek serves clients throughout Algonquin, IL by helping them secure income protection policies. The agency specializes in preparing individuals for potential long-term illness or injury that prevents work. Regular operations involve evaluating earnings and lifestyle to recommend appropriate coverage. Commercial sectors typically served include local offices, warehouses, and food service establishments.
Impressive Insurance Agency provides disability insurance services to residents in and around Algonquin, Illinois. This agency also offers commercial disability coverage to local businesses to protect their key employees. Serving clients throughout the broader McHenry County area, the agency helps individuals secure income protection for unforeseen illness or injury. Following a new policy or claim, the agency conducts follow-up communication with clients and returns for periodic policy reviews between regular scheduled visits.
What Does a a Disability Insurance Agent in Algonquin Cost?
The cost of disability insurance in Illinois typically ranges from 1% to 3% of your annual income for a policy that covers 60% of your salary. For example, a person earning $50,000 per year might pay between $500 and $1,500 annually. Premiums vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Algonquin
Disability insurance agents in Algonquin, Illinois help individuals and businesses find coverage that fits their needs. Illinois law requires certain policies to include specific provisions, such as a minimum 30-day grace period for premium payments. A local agent can explain how state regulations affect your policy and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Algonquin do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that matches your income and occupation. They also assist with completing applications and understanding policy terms. Agents do not provide legal advice but can explain how Illinois insurance laws apply to your situation.
Are there Illinois-specific rules for disability insurance?
Yes, Illinois law requires disability insurance policies to include a provision for a free look period of at least 10 days. Policies must also cover pre-existing conditions after a waiting period of no more than 12 months. An agent can help you understand these rules.
How do I choose a disability insurance agent in Algonquin?
Look for an agent licensed in Illinois with experience in disability coverage. Ask about the insurance companies they represent and their knowledge of local occupations. You can verify an agents license through the Illinois Department of Insurance website.
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