The top-rated disability insurance agent in Novi, Michigan is Highstreet Autumn Insurance & Benefits, rated 5.0 stars across 266 reviews. Other highly rated options include Commercial Insurance - J & J Insurance Managers, Baty Agency, Inc., Melanie Fishell at Comparion Insurance Agency. This directory lists 15 disability insurance agents serving Novi.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Highstreet Autumn Insurance & Benefits | 27333 Meadowbrook Rd Ste 230 | (248) 478-1177 |
| 2 | Commercial Insurance - J & J Insurance Managers | 43000 W 9 Mile Rd | (313) 460-0321 |
| 3 | Baty Agency, Inc. | 27333 Meadowbrook Rd Ste 230 | (248) 553-7570 |
| 4 | Melanie Fishell at Comparion Insurance Agency | 44244 W 12 Mile Rd Building A, Suite 150 | (248) 699-9917 |
| 5 | Acrisure Novi, MI (NuStar Insurance Agency) | 39555 Orchard Hill Pl #130 | (248) 380-6190 |
| 6 | Insurance Advisors Direct | 39555 Orchard Hill Pl STE 157 | (800) 381-0977 |
| 7 | Huggins Medicare Advisors | 23131 Heatherbrae Way | (248) 985-7101 |
| 8 | Conti Insurance Agency LLC | 28550 Cabot Dr # 100 | (734) 788-1715 |
| 9 | Berro Insurance Agency | 28550 Cabot Dr # 100 | (248) 896-1124 |
| 10 | Todd Boone at Comparion Insurance Agency | 44244 W 12 Mile Rd Building A, Suite 150 | (248) 699-9912 |
Highstreet Autumn Insurance & Benefits serves Oakland County, Michigan, from its Novi, MI location, providing comprehensive disability insurance agent services. The company assists individuals with securing income protection by evaluating personal needs and employer coverage gaps. Clients receive guidance on both short-term and long-term disability policies designed to replace lost wages during illness or injury. Policy options are reviewed to align with specific occupations and lifestyles. Highstreet Autumn Insurance & Benefits handles group disability benefits for local businesses and individual disability income insurance for self-employed professionals.
Commercial Insurance - J & J Insurance Managers provides disability insurance agent services in Novi, Michigan, specializing in helping individuals and businesses secure income protection policies. It offers ongoing support to maintain coverage and adjust plans as client needs evolve. The company assists with policy claims and periodic reviews. Its service properties include single-family homes, apartments, retail stores, and restaurants.
Baty Agency, Inc. serves homeowners and business owners in Novi, MI, providing disability insurance agent services. It helps individuals protect their income by connecting them with policies that offer financial support if an injury or illness prevents work. It also assists local companies in securing group disability coverage for their employees, ensuring workforce stability during unforeseen medical leaves. The agency extends its services throughout Oakland County, including the neighboring community of Walled Lake.
Melanie Fishell at Comparion Insurance Agency in Novi, MI, arranges disability coverage either through a one-time policy purchase or a recurring service plan that updates protection as income changes. Individual disability insurance replaces lost earnings if injury or illness prevents work, while group options through employers often cover baseline needs. Clients typically choose between periodic policy reviews or one-time enrollment, depending on their financial situation. Service is available on a one-time, scheduled, or as-needed basis to accommodate varying needs throughout Michigan.
Acrisure Novi, MI (NuStar Insurance Agency) serves the Novi area and surrounding communities, handling disability insurance protection for local residents and professionals. This independent agency works with clients to assess individual income protection needs against the financial risks of illness or injury. It guides customers through the available policy options in the regional market. The company typically approaches each client’s situation by carefully reviewing their specific occupational duties and lifestyle factors to recommend an appropriate coverage plan.
Insurance Advisors Direct offers focused disability insurance agent services in Novi, MI, helping clients secure income protection through individual or employer-sponsored plans. It guides professionals through the complex process of evaluating policy options, benefit periods, and elimination periods. As the cold season increases the likelihood of illnesses leading to missed work, the agency assists clients in understanding how short-term disability policies can provide crucial financial support during winter recovery periods.
Residents of Novi and surrounding communities often find themselves reevaluating financial protections as family circumstances shift. Huggins Medicare Advisors addresses this need by concentrating its practice on disability insurance, guiding clients through coverage options that help safeguard income against unforeseen health events. As a local agent, it focuses on policy features tailored to Michigan professionals and families. Services begin with an individual consultation to review current earnings, existing coverage, and specific occupational risks before presenting viable plans for full consideration.
Conti Insurance Agency LLC assists individuals and businesses in Novi, Michigan, with securing financial protection against income loss due to illness or injury. Its specialty includes designing disability insurance policies that replace a portion of earned wages when a client cannot work. The agency serves a variety of commercial sectors, including local offices, warehouses, and food service operations.
Berro Insurance Agency in Novi, MI, is known for helping local professionals and business owners secure disability income protection. The agency guides clients through the process of evaluating personal coverage needs and comparing policy options from multiple carriers. It serves individuals seeking to replace a portion of their income if illness or injury prevents them from working. The team addresses common questions about elimination periods and benefit durations. A specialty service it can add on is an individual policy review to identify gaps in existing employer-sponsored coverage.
What Does a a Disability Insurance Agent in Novi Cost?
The cost of disability insurance in Michigan varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Novi
Disability insurance agents in Novi, Michigan help individuals and businesses find the right coverage to protect income. Michigan law requires certain policies to include specific provisions, such as a 30-day grace period for premium payments. A local agent can explain how Michigan insurance regulations affect your policy options.
Frequently Asked Questions
What does a disability insurance agent in Novi do?
A disability insurance agent in Novi helps you compare policies from different carriers to find coverage that fits your needs. They can explain policy terms, benefit amounts, and elimination periods. Agents also assist with filing claims and understanding your rights under Michigan insurance law.
How is Michigan law different for disability insurance?
Michigan insurance law requires disability policies to include a free look period of at least 10 days. Policies must also provide a grace period of 30 days for premium payments. These rules help protect policyholders in Novi and across the state.
Can a disability insurance agent help with a claim denial?
Yes, many agents can review your denial and explain the appeals process. They may help you gather medical records and submit a formal appeal. For complex cases, they might refer you to an attorney who specializes in Michigan disability law.
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