The top-rated disability insurance agent in Bay City, Michigan is Jon LaPorte - State Farm Insurance Agent, rated 4.9 stars across 112 reviews. Other highly rated options include Thomas Campbell - State Farm Insurance Agent, MCI Insurance, The Kory Agency. This directory lists 19 disability insurance agents serving Bay City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jon LaPorte - State Farm Insurance Agent | 1416 State St #1 | (989) 895-5570 |
| 2 | Thomas Campbell - State Farm Insurance Agent | 902 S Euclid Ave | (989) 686-0100 |
| 3 | MCI Insurance | 701 N Madison Ave | (989) 892-5541 |
| 4 | The Kory Agency | 900 S Euclid Ave | (989) 391-5200 |
| 5 | Jeff Hunt - State Farm Insurance Agent | 4359 Wilder Rd | (989) 686-7840 |
| 6 | Superior Insurance Group | 916 Washington Ave SUITE 210 | (989) 893-7651 |
| 7 | Future Insurance Agency | 501 S Euclid Ave | (989) 922-0049 |
| 8 | AAA Insurance - Kolm Insurance Group | 702 S Euclid Ave | (989) 316-1170 |
| 9 | DuRussel Insurance Agency | 3741 Wilder Rd # C | (989) 671-8206 |
| 10 | The Lenar Agency | 916 N Euclid Ave | (989) 401-7770 |
Jon LaPorte - State Farm Insurance Agent serves Bay County and the surrounding Bay City, Michigan area. The company provides assistance with disability insurance policies, which help protect a person’s income if illness or injury prevents them from working. The agent works with individuals to select coverage that fits their specific financial situation. Services handled in this area include evaluating short-term disability plans to cover temporary recovery periods and helping clients secure long-term disability policies for extended protection.
Thomas Campbell - State Farm Insurance Agent in Bay City, MI provides a range of services focused on disability insurance to help protect income in the event of injury or illness. The agency works with clients to understand coverage options that support their financial stability over the long term. Their service includes assistance with plan selection and policy maintenance. They serve single-family homes, apartments, retail, and restaurants in the local community.
MCI Insurance serves homeowners, local businesses, and property managers seeking financial protection against income loss due to injury or illness. As a disability insurance agent in Bay City, Michigan, the company helps clients navigate policy options that replace a portion of earnings during recovery periods. Independent workers also benefit from customized coverage designed for self-employment scenarios. Consultations focus on individual needs and budget considerations. MCI Insurance additionally provides its services to residents and businesses in the nearby community of Saginaw.
Serving Bay City and the surrounding communities of mid-Michigan, The Kory Agency handles disability insurance applications for both individual clients and local businesses. It advises professionals on policies to replace lost income should illness or injury prevent them from working. Each case typically begins with a thorough review of the client’s occupation and income, followed by targeted policy comparisons to match coverage with the specific financial protection needed.
As a disability insurance agent in Bay City, MI, Jeff Hunt - State Farm Insurance Agent specializes in helping individuals secure income protection policies. The agency also provides general insurance services, assisting local residents with a range of coverage needs. Disability insurance agents here focus on safeguarding earnings against unexpected illness or injury that prevents work. This support proves especially valuable during the winter months, when seasonal hazards such as icy sidewalks and snow-related accidents can lead to temporary or lasting disabilities.
For clients seeking disability insurance, Superior Insurance Group in Bay City, MI provides assistance with both one-time policy purchases and ongoing service for existing plans. Coverage options generally focus on replacing a portion of lost income if a medical condition prevents the policyholder from working. Routine services are offered on a scheduled, recurring basis, while specific policy reviews or new quotes can be obtained on either a one-time or as-needed basis as circumstances change.
Future Insurance Agency serves residents of Bay City, Michigan, by evaluating individual disability insurance needs and securing appropriate coverage for loss of income protection. Commercial clients in the surrounding area are also assisted with business-specific policies to safeguard operations and employee benefits. The agency provides thorough consultations to explain coverage options and claim procedures, ensuring informed decisions from first contact through policy selection. Follow-up support is always offered to review changing needs and adjust coverage between regular annual reviews.
As seasonal work in Bay City’s manufacturing and agricultural sectors shifts, workers may face gaps in income if injury or illness prevents them from returning to their roles. AAA Insurance - Kolm Insurance Group assists local residents by reviewing individual and employer-sponsored disability policies to ensure coverage aligns with these changing employment conditions. Their agents explain how short-term and long-term options function within the local job market. An initial consultation involves a simple assessment of current coverage gaps and personal financial needs.
DuRussel Insurance Agency assists individuals and businesses in Bay City, Michigan, with financial protection plans. The company specializes in disability insurance, helping clients secure income replacement for times when illness or injury prevents them from working. Coverage can be tailored to address specific professional needs and personal budgets. This agency serves a variety of commercial sectors, including local offices, warehouses, and food service operations.
The Lenar Agency serves residents of Bay City, MI, by offering guidance on disability insurance policies designed to protect individual income. The agency also assists local businesses in securing commercial disability coverage for their employees throughout the greater Bay City area. Their work focuses on evaluating client needs to find suitable insurance solutions that provide financial stability during a temporary or long-term disability. The Lenar Agency welcomes follow-up service from clients between regular policy reviews to address any changes in circumstances or health needs.
What Does a a Disability Insurance Agent in Bay City Cost?
The cost of disability insurance in Michigan typically ranges from 1 to 3 percent of your annual income. For example, a 50 year old earning 60,000 dollars per year might pay between 600 and 1,800 dollars annually for a policy. Premiums vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Bay City
Disability insurance agents in Bay City Michigan help individuals and businesses find the right coverage to protect income. Michigan law requires certain policies to include specific provisions like a 30 day grace period and a 60 day contestability period. A local agent can explain these rules and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Bay City do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs. They explain policy terms and can assist with filing claims. Agents are licensed by the state of Michigan and must follow state regulations.
How long do I have to file a disability claim in Michigan?
Michigan does not set a specific time limit for filing a disability claim, but most policies require you to notify the insurer within 30 days of becoming disabled. You should check your policy for exact deadlines. An agent can help you understand your policy's requirements.
Are disability insurance benefits taxable in Michigan?
If you pay the premiums with after tax dollars, your benefits are generally tax free. If your employer pays the premiums, benefits are usually taxable as income. Michigan follows federal tax rules for disability insurance benefits.
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