The top-rated disability insurance agent in Livonia, Michigan is Loyalty Insurance, rated 4.9 stars across 463 reviews. Other highly rated options include Cheryl Bowker: Allstate Insurance, Perfect Price Insurance Agency, Metro Agency, Inc.. This directory lists 17 disability insurance agents serving Livonia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Loyalty Insurance | 39209 Six Mile Rd # 200 | (734) 454-5450 |
| 2 | Cheryl Bowker: Allstate Insurance | 31221 Five Mile Rd | (734) 525-9610 |
| 3 | Perfect Price Insurance Agency | 13740 Merriman Rd | (734) 743-1042 |
| 4 | Metro Agency, Inc. | 32646 Five Mile Rd | (734) 522-3900 |
| 5 | AAA Insurance - Mark Ismail Insurance Agency | 33539 Plymouth Rd | (734) 742-5650 |
| 6 | Garwood Buda Knight & Associates | 33039 Schoolcraft | (313) 255-9350 |
| 7 | Aliaksandr Niakliayeu I Advisors Insurance Group | 19575 Victor Pkwy #190 | (734) 441-6015 |
| 8 | Legacy Partners Insurance Services | 31300 Plymouth Rd | (734) 422-7850 |
| 9 | Salami Agency LLC Meemic/AAA | 16172 Middlebelt Rd | (313) 410-2000 |
| 10 | Advisors Insurance Group | 19575 Victor Pkwy #190 | (248) 957-6142 |
Loyalty Insurance serves Livonia and Wayne County, Michigan, as a local provider of disability coverage. The agency helps clients understand and select individual disability policies that replace lost wages due to illness or injury. It also assists with employer-sponsored group plans, ensuring workers have access to income protection. Through personalized consultations, the agency evaluates specific career risks and financial needs. Specific services handled here include long-term disability insurance for professionals and short-term disability income for unexpected recovery periods.
Cheryl Bowker: Allstate Insurance in Livonia, MI, offers a range of disability insurance solutions designed to help individuals protect their income in the event of illness or injury. The agency also provides ongoing policy maintenance to ensure coverage evolves with changing needs. Service plans include guidance on benefit options and filing procedures. The company assists clients who own single-family homes, apartments, retail spaces, and restaurants in securing appropriate disability coverage.
Perfect Price Insurance Agency serves homeowners, local businesses, and self-employed professionals in the Livonia area who need disability income protection. This agency helps individuals and business owners secure coverage that replaces lost wages if they become unable to work due to illness or injury. Working with multiple insurance carriers, the agency compares options to find appropriate disability policies for each client’s situation and budget. In addition to Livonia, Perfect Price Insurance Agency also serves clients throughout western Wayne County and the surrounding communities of Plymouth and Novi.
Metro Agency, Inc. serves disability insurance clients throughout Livonia and the surrounding communities in southeastern Michigan. The company handles individual disability income policies as well as group disability coverage for local employers and professionals. Its typical workload includes reviewing a client’s occupation, income, and existing benefits to determine appropriate coverage levels. To handle a typical job, the agent first conducts a detailed risk and needs assessment, then compares policy options from multiple carriers to present a clear, tailored recommendation to the client.
Individuals seeking disability insurance often choose between a one-time policy purchase and the option of recurring service adjustments. AAA Insurance - Mark Ismail Insurance Agency, based in Livonia, MI, covers needs like income replacement during medical leave or injury recovery. This agency assists clients in understanding benefit terms and filing paperwork in the local area. Service runs on an as-needed basis, allowing clients to request support only when a specific claim question or policy review arises without a fixed schedule.
Specializing in disability insurance coverage, Garwood Buda Knight & Associates functions as a local disability insurance agent in Livonia, MI. Its representatives guide area residents through the process of securing policies that replace lost income due to illness or injury. This involves analyzing individual occupations and existing coverage gaps to present tailored plans from multiple insurers. As the colder months approach, it helps local professionals evaluate protection against seasonal health setbacks that may lead to extended time away from work.
As the Michigan winter increases the risk of slips and falls, Livonia residents often seek a stronger financial safeguard against injuries that could interrupt their income. Aliaksandr Niakliayeu I Advisors Insurance Group responds by guiding clients through available disability insurance agent options that protect earnings during unexpected medical leaves. Based in Livonia, MI, the company serves local professionals and tradespeople seeking to secure monthly benefits if they cannot work. A typical initial assessment begins by reviewing your current coverage, employment status, and income needs to determine suitable policy proposals.
Legacy Partners Insurance Services in Livonia, Michigan works with individuals and businesses to secure disability income protection. This disability insurance agent helps replace a portion of lost earnings if an injury or illness prevents someone from working. Understanding the financial impact of a prolonged absence is central to its planning. Coverage options are discussed based on client-specific situations and local workforce needs. The company can serve various commercial sectors, including offices, warehouses, and food service operations.
Serving the Livonia, Michigan area, Salami Agency LLC Meemic/AAA is known for helping clients navigate disability insurance options. Its professional team assists individuals with assessing their income protection needs and selecting appropriate coverage. The agency works with clients from various occupations and circumstances, offering guidance through the enrollment process and claims procedures. It specializes in coordinating disability benefits with other insurance policies for a comprehensive financial safety net.
What Does a a Disability Insurance Agent in Livonia Cost?
Disability insurance premiums in Michigan typically range from 1% to 3% of your annual income. For a 40 year old earning 60000 per year a policy might cost 600 to 1800 annually. Costs depend on your age, health, occupation, and benefit amount. This is general information not insurance advice.
About disability insurance agents in Livonia
Disability insurance agents in Livonia Michigan help residents and businesses secure income protection policies. These agents guide clients through Michigan specific rules such as the state insurance code and the 30 day grace period for premium payments. Working with a local agent ensures you understand how Michigan law affects your disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Livonia do?
A disability insurance agent helps you find and purchase disability income insurance policies. They explain policy terms, coverage limits, and exclusions. They also assist with filing claims and understanding Michigan insurance regulations.
How do I choose a disability insurance agent in Livonia Michigan?
Look for an agent licensed in Michigan with experience in disability insurance. Ask about their knowledge of Michigan specific laws like the 30 day claim review period. Check their reputation through local business reviews and the Michigan Department of Insurance and Financial Services.
Are there time limits for disability claims in Michigan?
Michigan law does not set a specific time limit for filing a disability insurance claim but policies often require prompt notice. Most policies require you to submit proof of loss within 90 days. Check your policy for exact deadlines and contact an agent if you have questions.
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