The top-rated disability insurance agent in St John, Indiana is Adam Hage - State Farm Insurance Agent, rated 5.0 stars across 209 reviews. Other highly rated options include Lighthouse Insurance Agency, Ryan Spangler - State Farm Insurance Agent, Renny Smith - State Farm Insurance Agent. This directory lists 11 disability insurance agents serving St John.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adam Hage - State Farm Insurance Agent | 9465 Joliet St | (219) 627-5145 |
| 2 | Lighthouse Insurance Agency | 8213 Wicker Ave | (219) 365-0066 |
| 3 | Ryan Spangler - State Farm Insurance Agent | 10210 Wicker Ave Ste 2 | (219) 627-3996 |
| 4 | Renny Smith - State Farm Insurance Agent | 9211 Wicker Ave | (219) 365-8840 |
| 5 | Eugene F. Sarkey Insurance Agency, Inc. | 9467 Joliet St Suite 1 | (219) 365-3550 |
| 6 | Tim Van Zuidam - COUNTRY Financial Representative | 8626 Wicker Ave # A | (219) 365-1781 |
| 7 | Farmers Insurance - Justin Sarkey | 9467 Joliet St | (219) 365-1958 |
| 8 | Lagestee Insurance Agency | 8229 Wicker Ave | (219) 365-7706 |
| 9 | Boulevard Insurance Agency | 9321 Wicker Ave | (219) 365-6180 |
| 10 | Allstate Insurance: Leonica Keilman Parker | 8620 Wicker Ave | (219) 365-8535 |
Adam Hage - State Farm Insurance Agent provides disability insurance agent services in St John, IN. The agency assists clients with understanding disability coverage options, helping secure income protection plans designed to replace a portion of earnings if illness or injury prevents work. Ongoing policy reviews ensure benefits remain aligned with changing needs and personal financial situations. The office services individual households, including single-family homes and apartments, as well as commercial properties such as retail locations and restaurants.
Lighthouse Insurance Agency serves St. John, Indiana, and the surrounding Lake County area as a disability insurance agent. The company focuses on helping local residents and professionals secure income protection against illness or injury. This service is essential for those who rely on their earnings for daily living expenses. Clients can discuss personal policies or employer-sponsored coverage gaps. The agency handles short-term disability and long-term disability insurance planning for individuals and small business owners.
Ryan Spangler - State Farm Insurance Agent in St John, IN, serves local homeowners and small business operators who need disability income protection. The agency helps clients secure coverage that replaces a portion of lost earnings if illness or injury prevents them from working. Policies are tailored to fit financial obligations and household budgets. The office works closely with residents in St John and also assists clients in neighboring Crown Point throughout the larger Lake County metro area.
Renny Smith - State Farm Insurance Agent serves St John, Indiana, and the surrounding communities of Lake County, offering disability insurance coverage for local residents and workers. The agency handles both short-term and long-term disability policies that help replace lost income when a client cannot work due to illness or injury. It provides guidance on policy features, waiting periods, and benefit amounts tailored to individual occupations and financial needs. Renny Smith evaluates each applicant’s situation to recommend suitable coverage that supports financial stability during recovery.
For those seeking financial protection against lost income due to injury or illness, the difference between one-time and recurring service options is important. A brief consultation may result in a single disability policy purchase, while an ongoing service relationship typically involves periodic policy reviews. Eugene F. Sarkey Insurance Agency, Inc., in St John, IN, acts as a local disability insurance agent. They assist clients in evaluating coverage terms and benefit structures. This service generally runs on either an as-needed basis for new policies or a scheduled basis for annual policy checkups.
Tim Van Zuidam - COUNTRY Financial Representative in St John, IN, specializes as a disability insurance agent, offering coverage that replaces a portion of income if a client becomes unable to work due to illness or injury. It generally works with individuals and small businesses to design personalized policies that address unique financial protections. During open enrollment periods or after major life changes such as a new job, it helps clients reassess their needs and adjust coverage accordingly.
As winter weather approaches in St John, residents often consider how an unexpected injury or illness could impact their income. Farmers Insurance - Justin Sarkey helps local individuals understand disability insurance options that provide financial protection during recovery periods. The agency works closely with clients to explain policy features, income replacement percentages, and waiting periods specific to each situation. An initial assessment is scheduled to review current coverage needs and identify any gaps in protection.
Lagestee Insurance Agency serves residential clients in St John, IN, helping them secure disability insurance to protect their income in case of illness or injury. Commercial disability coverage is also available for local businesses seeking to safeguard their operations and key employees. The agency provides services throughout the St John area and surrounding communities. Clients often return for plan reviews between regular visits to adjust their policies as life circumstances or financial needs change.
Boulevard Insurance Agency is a disability insurance agent in St John, IN, known for helping local professionals secure income protection policies. The company assists clients throughout the region in evaluating short-term and long-term disability coverage options to match their specific occupational needs. These agents guide individuals through the application process, clarifying how plans replace lost wages during illness or injury. They also offer the added service of coordinating residual disability riders to address partial income loss scenarios.
Allstate Insurance, through Leonica Keilman Parker, helps clients navigate the complexities of income protection by offering disability insurance. This type of coverage provides partial wage replacement when an illness or injury prevents a policyholder from working. The agency focuses on customizing plans to safeguard personal earnings against long-term interruptions. Located in St John, IN, the office serves a wide range of local commercial sectors, including professional offices, warehouses, and food service establishments.
What Does a a Disability Insurance Agent in St John Cost?
Disability insurance premiums in Indiana typically range from 1% to 3% of your annual income. For a 40-year-old earning 60,000 dollars a year, a policy might cost 50 to 150 dollars per month. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in St John
Disability insurance agents in St John Indiana help residents protect their income if they cannot work due to injury or illness. Indiana law requires disability policies to include specific provisions like a 30-day grace period and a time limit on certain defenses. A local agent can guide you through policy options and claim procedures specific to Indiana.
Frequently Asked Questions
What does a disability insurance agent in St John do?
A disability insurance agent helps you find and purchase a disability policy that fits your needs. They can also assist with filing claims and understanding policy terms under Indiana law.
Do I need disability insurance in Indiana?
Disability insurance is not required by Indiana law but is strongly recommended if you rely on your income. Indiana does not have a state short-term disability program, so private coverage is key.
How does Indiana law affect disability insurance claims?
Indiana has a two-year statute of limitations for filing a lawsuit on a disability insurance claim. Policies must also follow Indiana insurance code requirements for claim handling and appeals.
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