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Compare disability insurance agents in Godfrey. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Godfrey, IL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Illinois before hiring.
Showing 2 disability insurance agents in Godfrey, IL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Macias Insurance
1000 W Homer M Adams Pkwy, Godfrey, IL 62035
(618) 467-2874
maciasinsuranceagency.com
Whitfield Insurance Agency, Inc.
905 Cook Ave, Godfrey, IL 62035
(618) 466-1401
whitfieldinsagency.com
Disability insurance agents in Godfrey, Illinois help individuals and businesses find coverage that meets their needs. Illinois law requires certain policies to offer specific benefits, and a local agent can explain how state regulations affect your plan. Working with an agent in Godfrey ensures you have support from someone familiar with the local community and insurance market.
What Does a Disability Insurance Agent in Godfrey Cost?
The cost of disability insurance in Illinois varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations or shorter elimination periods. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Godfrey do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your income and occupation. They explain policy terms like elimination periods and benefit durations. In Illinois, agents must be licensed by the state Department of Insurance.
How do Illinois disability insurance laws affect my policy?
Illinois has specific rules for disability insurance, including a 30-day grace period for premium payments and a requirement that policies cannot exclude pre-existing conditions for more than 12 months. An agent can help you understand how these laws apply to your coverage.
Can a Godfrey agent help if my claim is denied?
While agents cannot provide legal advice, they can review your policy and help you understand the claims process. If your claim is denied, you have the right to appeal under Illinois law. The agent can guide you to resources for further assistance.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Illinois.