The top-rated disability insurance agent in Overland Park, Kansas is KMO Insurance Agency, rated 5.0 stars across 727 reviews. Other highly rated options include Capstone Insurance Agency, JRS Healthcare Solutions LLC, Blue Valley Insurance Agency. This directory lists 24 disability insurance agents serving Overland Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | KMO Insurance Agency | 10551 Barkley St suite 325 | (913) 261-9789 |
| 2 | Capstone Insurance Agency | 12721 Metcalf Ave Ste 100 | (913) 825-2700 |
| 3 | JRS Healthcare Solutions LLC | 7300 W 110th St 7 Floor | (816) 559-7747 |
| 4 | Blue Valley Insurance Agency | 7311 W 132nd St STE 100 | (913) 451-0020 |
| 5 | Flury-Hinderks Insurance Agency | 12022 Blue Valley Pkwy | (913) 345-9900 |
| 6 | Dream Assurance | 9200 Indian Creek Pkwy # 100 | (618) 657-7525 |
| 7 | The Reilly Company | 11225 College Blvd Suite #210 | (913) 708-8700 |
| 8 | Agency Insurance | 5440 W 110th St Suite 300 | (913) 386-8298 |
| 9 | Philip Kathol, Life & Health Insurance Broker - Apollo Agency | 10907 W 145th Pl | (913) 963-4779 |
| 10 | HighPointe Insurance Services, LLC | 7304 W 130th St Suite 240 | (913) 905-1486 |
KMO Insurance Agency, located in Overland Park, Kansas, provides disability insurance agent services to help clients protect their income against unexpected illness or injury. It offers guidance on selecting appropriate coverage and assists with ongoing policy reviews and any necessary claims support. The agency works with individuals and businesses requiring tailored income protection solutions. Its client base includes owners of single-family homes, apartment complexes, retail spaces, and restaurants.
Capstone Insurance Agency specializes in connecting individuals and businesses in Overland Park, Kansas, with disability insurance policies tailored to protect their income. It provides general guidance for clients navigating the complexities of short-term and long-term coverage options to secure financial stability during unexpected health challenges. The agency also addresses the specific seasonal concern of open enrollment periods, helping clients adjust their policies before coverage gaps arise during a job change or holiday schedule.
As the Kansas City area braces for another unpredictable season of weather-related disruptions and health concerns, many Overland Park residents wonder how to protect their income if they cannot work. JRS Healthcare Solutions LLC helps local professionals and small business owners explore disability insurance options. The team guides clients through policy features such as benefit periods, elimination periods, and own-occupation coverage that match individual financial needs. An initial assessment appointment is offered to review current coverage gaps and discuss potential plan parameters.
Blue Valley Insurance Agency serves clients in Overland Park, Kansas, by guiding them through the complexities of disability insurance coverage. The company helps individuals and businesses secure policies that protect income when illness or injury prevents work. Its work focuses on understanding policy terms, benefit structures, and waiting periods relevant to local needs. Blue Valley Insurance Agency can serve a range of commercial sectors, including offices, warehouses, and food service operations.
Flury-Hinderks Insurance Agency in Overland Park, Kansas, is known for helping individuals secure disability insurance policies that protect their income during illness or injury. Its service range includes evaluating personal coverage needs and comparing policy options from various carriers. The firm assists clients through the application and underwriting process, clarifying policy terms and waiting periods. Clients seeking additional coverage can also inquire about the agency’s ability to find bridge policies for those between employer-sponsored and individual plans.
Dream Assurance, a disability insurance agent serving Overland Park, Kansas, specializes in guiding clients through long-term and short-term disability coverage options. It works with individuals and professionals to understand policy provisions, benefit waiting periods, and occupation-specific terms that affect claims. The agency helps local residents assess their income protection needs and navigate the complexities of group and individual plans. As cold and flu season approaches, it assists workers in reviewing how their paid sick leave and disability benefits interact.
The Reilly Company serves Overland Park and the surrounding communities in Johnson County. It handles applications and claims for individual disability insurance policies, helping local professionals protect their income against injury or illness. The company assists clients in reviewing their current coverage needs for gaps or changes in income. It generally approaches each case by first gathering detailed financial and occupational information before matching a client with a suitable policy from available carriers.
As the Kansas City area experiences frequent weather disruptions that can sideline workers in physically demanding jobs, Agency Insurance helps professionals in Overland Park secure disability coverage for lost income. This agency focuses on matching individual policy features with each client's occupation and risk tolerance. Benefits are explained in plain terms, including elimination periods and benefit durations. The process begins with a no-obligation consultation that reviews current earnings and daily job duties to identify suitable plan options.
Philip Kathol, Life & Health Insurance Broker - Apollo Agency provides disability insurance services to residents in and around Overland Park, Kansas. The agency also handles commercial coverage for local small business owners and independent professionals across the greater metropolitan area. Each consultation focuses on individual income protection needs, with policy options explained clearly to ensure appropriate coverage is in place. Clients often return for periodic policy reviews and adjustments between their regular visit schedules to keep coverage aligned with life changes.
Serving the Overland Park area, HighPointe Insurance Services, LLC guides individuals through the process of securing disability income protection. As a dedicated Disability Insurance Agent, the company specializes in offering policies that replace a portion of lost earnings during illness or injury. These supplementary plans can be tailored to cover overhead expenses and routine living costs. The agency commonly works with professionals across multiple commercial sectors, including local offices, warehouses, and food service establishments.
What Does a a Disability Insurance Agent in Overland Park Cost?
Disability insurance premiums in Kansas vary based on age, health, occupation, and benefit amount. A typical policy for a 40-year-old professional might cost between 1% and 3% of annual income. For example, a policy providing $5,000 per month could cost $100 to $300 per month. Costs also depend on the elimination period and benefit duration. This is general information and not insurance advice.
About disability insurance agents in Overland Park
Disability insurance agents in Overland Park, Kansas help individuals and businesses find coverage that protects income if injury or illness prevents work. Kansas law does not require employers to provide disability insurance, so many workers seek private policies. Agents can explain the difference between short-term and long-term disability plans and how Kansas insurance regulations affect claim timelines.
Frequently Asked Questions
What does a disability insurance agent in Overland Park do?
An agent helps you compare disability insurance policies from different carriers. They explain policy terms, exclusions, and benefit amounts. In Kansas, agents must be licensed by the Kansas Insurance Department.
How does Kansas law affect disability insurance claims?
Kansas follows the contractual statute of limitations for disability claims, which is typically two years from the date of denial. Agents can help you understand these deadlines and the importance of timely filing.
Can a disability insurance agent help with an existing claim?
Agents primarily assist with purchasing new policies. For help with a denied claim or appeal, you may need to consult a disability insurance attorney. Agents can refer you to legal resources in Overland Park.
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