The top-rated disability insurance agent in Urbandale, Iowa is Buenzow Insurance Group, rated 4.9 stars across 141 reviews. Other highly rated options include Cupp Insurance Inc., Fortress Insurance Services, Group Benefits. This directory lists 14 disability insurance agents serving Urbandale.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Buenzow Insurance Group | 3273 100th St | (515) 270-8870 |
| 2 | Cupp Insurance Inc. | 3815 109th St | (515) 334-5286 |
| 3 | Fortress Insurance Services | 7701 Douglas Ave | (515) 225-1712 |
| 4 | Group Benefits | 12006 Ridgemont Dr | (515) 453-8207 |
| 5 | Phillips Stafford Insurance Group | 4566 114th St | (515) 978-9010 |
| 6 | Matt Reed - COUNTRY Financial Representative | 8525 Douglas Ave STE 39 | (515) 251-8891 |
| 7 | Jeff Shaw American Family Insurance | 7020 Douglas Ave F | (515) 270-1232 |
| 8 | Sears Insurance | 4219 161st St | (515) 285-6766 |
| 9 | Shelter Insurance - Monica Hoover | 2400 86th St Suite 1S | (515) 276-7700 |
| 10 | BLC Insurance | 10546 Justin Dr | (515) 243-4289 |
Buenzow Insurance Group serves the Urbandale, Iowa, metro area as a local disability insurance agent. The company assists clients in finding individual and group disability income policies to protect their earnings during illness or injury. Disability insurance agents in this region help evaluate workplace coverage gaps and tailor plans for self-employed professionals or salaried employees. The agency handles long-term disability insurance for chronic conditions and short-term disability coverage for temporary injuries.
Cupp Insurance Inc. serves homeowners, renters, and local business owners in Urbandale, Iowa, by providing disability insurance agent services. The agency helps clients understand how disability coverage can protect their income if an illness or injury prevents them from working. This includes assessing individual needs and explaining policy options designed to replace a portion of lost wages. Their work ensures that policyholders have a financial safety net during recovery periods. The company also covers clients in the neighboring Des Moines metro area and surrounding communities.
Fortress Insurance Services, located in Urbandale, Iowa, provides a full range of disability insurance assistance, helping clients evaluate coverage options to protect their income. The agency helps individuals select and maintain policies that fit their specific professional and financial needs, offering ongoing support for policy adjustments and claims guidance. Its clientele includes those working in single-family homes, apartments, retail, and restaurant environments, ensuring coverage reflects the unique risks of each occupation.
Group Benefits serves clients in Urbandale, Iowa, and the surrounding communities across the greater Des Moines area. It handles a full range of disability insurance needs, including both short-term and long-term coverage options for individuals and local businesses. The company works to match each client’s income replacement requirements with an appropriate policy structure. It typically approaches a job by assessing the client’s current employment status and income level to recommend a tailored benefit plan that fits their specific financial situation.
Phillips Stafford Insurance Group in Urbandale, Iowa, assists clients by distinguishing between one-time policy purchases and ongoing protection plans, focusing on disability insurance agent services tailored to individual income-replacement needs. Consultations evaluate current employment coverage to determine if supplemental policies are required for financial security during illness or injury. The firm provides both educational guidance and policy selection support. Service is offered on a one-time, scheduled, or as-needed basis according to each client’s specific situation and changing circumstances.
Matt Reed - COUNTRY Financial Representative in Urbandale, Iowa specializes in disability insurance agent services, providing policies that replace a portion of income if a client cannot work due to injury or illness. The agency also handles general insurance needs and helps individuals and local small businesses review their coverage options. It assists clients with a situational concern like budgeting for disability protection during open enrollment periods or when starting a new job.
As Urbandale residents face the financial uncertainty of an unexpected injury or illness, Jeff Shaw American Family Insurance helps income earners prepare for that risk. This agency offers disability insurance policies designed to replace a portion of lost wages when a medical condition prevents work. They assess each client’s occupation and budget to recommend a suitable coverage plan. Every new inquiry starts with a complimentary initial-assessment meeting to review current income and personal protection needs.
Sears Insurance assists clients in understanding and securing financial protection against income loss due to illness or injury. The agency specializes in disability insurance products tailored for individual and group needs in Urbandale and surrounding areas. Policy guidance focuses on safeguarding personal earnings and business continuity. Its expertise supports both self-employed professionals and larger commercial entities. Sears Insurance serves diverse workplace sectors, including office environments, warehouses, and food service operations.
Shelter Insurance - Monica Hoover serves the residential disability insurance needs of clients in Urbandale, Iowa. Commercial disability insurance coverage is also available for local business owners and their employees throughout the wider metropolitan area. This agency works with individuals to understand how disability benefits can protect income during unexpected illness or injury. Follow-up assistance and repeat service are provided between regular policy reviews, ensuring coverage remains aligned with any changes in a client’s life circumstances.
BLC Insurance in Urbandale, IA, is known for guiding individuals through the complexities of disability insurance, offering policies that replace a portion of lost income due to illness or injury. Agents assist clients in assessing their occupational and financial risks to determine appropriate coverage levels. Policy options commonly include short-term plans for immediate needs and long-term policies for prolonged recoveries. A specialty add-on this agency can arrange is an own-occupation rider, protecting a client’s specific profession.
What Does a a Disability Insurance Agent in Urbandale Cost?
Disability insurance agent services in Iowa typically cost nothing upfront because agents earn commissions from insurance carriers. Policy premiums vary widely based on age health occupation and benefit amount. For example a 40-year-old professional might pay 1% to 3% of their annual income for a policy. Costs depend on individual circumstances. This is general information not insurance advice.
About disability insurance agents in Urbandale
Disability insurance agents in Urbandale Iowa help individuals and businesses secure income protection policies. Iowa law requires disability insurance policies to include certain provisions such as a 30-day grace period and a reinstatement clause. Agents guide clients through policy options and claims processes to ensure coverage meets local legal standards.
Frequently Asked Questions
What does a disability insurance agent in Urbandale do?
A disability insurance agent helps you find a policy that fits your needs and budget. They explain policy terms, compare carriers, and assist with applications. In Iowa agents must be licensed by the Iowa Insurance Division.
How long do I have to file a disability claim in Iowa?
Iowa law does not set a specific claim deadline but policies usually require prompt notice. Most policies require filing within 30 to 90 days of disability. Check your policy for exact time limits.
Can a disability insurance agent help with claim denials?
Yes agents can review your policy and help you understand denial reasons. They may assist with gathering evidence for an appeal. For legal disputes you may need an attorney who handles insurance bad faith claims under Iowa Code 507B.
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