The top-rated disability insurance agent in Saginaw, Michigan is My Member Insurance Agency-Thomas Twp Office, rated 4.8 stars across 555 reviews. Other highly rated options include Monte Wilder - State Farm Insurance Agent, L.A. Insurance, Safeguard Insurance Agency. This directory lists 29 disability insurance agents serving Saginaw.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | My Member Insurance Agency-Thomas Twp Office | 7531-2 Gratiot Rd Suite 2 | (989) 781-2662 |
| 2 | Monte Wilder - State Farm Insurance Agent | 6902 Gratiot Rd | (989) 781-3131 |
| 3 | L.A. Insurance | 4234 Dixie Hwy | (989) 755-8055 |
| 4 | Safeguard Insurance Agency | 2475 Midland Rd | (989) 799-4800 |
| 5 | Mid-Valley Insurance and Financial | 9080 Gratiot Rd ste 100 | (989) 781-3070 |
| 6 | Jennifer Howie & Associates - Farm Bureau Insurance | 6137 Tittabawassee Rd Suite 4 | (989) 220-1415 |
| 7 | Emil Rummel Insurance Agency Inc | 4884 Gratiot Rd UNIT 15 | (989) 793-2100 |
| 8 | Future Insurance Agency | 5580 State St # 1 | (989) 799-8808 |
| 9 | Kaytlyn Thompson at Comparion Insurance Agency | 5157 Hampton Pl | (989) 486-6796 |
| 10 | Preferred First Insurance | 7773 Bay Rd | (989) 799-9082 |
My Member Insurance Agency-Thomas Twp Office serves the greater Saginaw, Michigan area as a disability insurance agent. The agency assists individuals and families by helping them understand the importance of income protection through disability coverage. Their work involves guiding clients through policy options that can replace a portion of lost earnings due to illness or injury. Specific services handled in this area include evaluating short-term disability insurance plans and long-term disability insurance plans for local residents.
Monte Wilder - State Farm Insurance Agent serves homeowners, renters, and small business owners in Saginaw, Michigan, with disability insurance policies designed to replace lost income if injury or illness prevents work. The agency helps clients select coverage that aligns with their monthly expenses and household budget. Account managers guide customers through the application process and policy details. Alongside Saginaw, the agency also provides disability insurance services to residents in the neighboring community of Bay City.
L.A. Insurance offers disability insurance agent services for individuals and businesses throughout Saginaw, Michigan. It provides guidance on available policy options and assists clients through the application and claims processes. Ongoing support is maintained to address policy changes or coverage questions as they arise. The company helps clients evaluate plans that can replace a portion of lost income if an illness or injury prevents them from working. L.A. Insurance services single-family homes, apartments, retail establishments, and restaurants in the local area.
Safeguard Insurance Agency serves Saginaw, Michigan, and the surrounding communities of the Mid-Michigan region with disability insurance coverage. It handles policies designed to replace a portion of a client’s income should an illness or injury prevent them from working. The agency typically begins a case by reviewing the client’s current occupation and earnings, then compares policy options from multiple carriers to find suitable coverage that matches the client’s budget and needs.
Mid-Valley Insurance and Financial in Saginaw, MI, assists clients with both short-term and long-term disability policies, the former covering temporary leave and the latter providing ongoing income protection. Coverage tailored to local occupations helps replace a portion of wages if illness or injury prevents work. Guidance through available plan structures clarifies how benefits coordinate with other savings. Service to individuals and businesses in the area runs on a one-time consultation or as-needed basis.
Jennifer Howie & Associates - Farm Bureau Insurance specializes in disability insurance agent services in Saginaw, Michigan. The company assists local residents with protecting their income by offering policies that replace a portion of earnings if an injury or illness prevents them from working. General services include explaining policy options, customizing coverage levels, and guiding clients through the application process. This provider also helps individuals address the financial strain caused by unexpected medical conditions, such as navigating coverage needs after a serious accident when standard savings are insufficient.
Emil Rummel Insurance Agency Inc provides disability insurance for residential clients in Saginaw, Michigan. Commercial coverage is also available for local businesses needing employee protection. The agency serves customers throughout the greater Saginaw area. Licensed representatives explain policy details, helping individuals and businesses secure income replacement coverage. Customers receive guidance on filing claims when needed. The agency accommodates follow-up appointments and repeat service between regular visits to adjust coverage as circumstances change.
Future Insurance Agency assists individuals and businesses in Saginaw, Michigan, with securing income protection through disability coverage. The agency specializes in helping clients navigate policy options that replace lost wages due to illness or injury. This work includes evaluating short-term and long-term disability plans tailored to different employment situations. Commercial sectors such as offices, warehouses, and food service operations regularly rely on the agency for employee benefit guidance.
As Saginaw’s winter weather often makes physical tasks riskier and disrupts regular employment, Preferred First Insurance works with local residents to secure disability income protection tailored to their occupations. Their agency focuses on helping clients understand coverage options for short-term or long-term needs, consulting on benefit amounts and waiting periods. An initial review of a client’s current employment situation and financial obligations begins with a no-cost document and coverage assessment meeting.
What Does a a Disability Insurance Agent in Saginaw Cost?
Disability insurance premiums in Michigan typically range from 1 percent to 3 percent of your annual income for an individual policy. A 50,000 dollar annual income might result in premiums between 500 and 1,500 dollars per year. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Saginaw
Disability insurance agents in Saginaw Michigan help individuals and businesses find coverage that protects income during illness or injury. Michigan law requires certain disability policies to include a 30 day grace period and a 60 day contestability clause. Agents can explain how state regulations affect your policy and claims process.
Frequently Asked Questions
What does a disability insurance agent in Saginaw do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They explain policy terms such as elimination periods and benefit durations. Agents in Saginaw are familiar with Michigan specific rules like the 30 day grace period.
How long do I have to file a disability claim in Michigan?
Michigan law does not set a single deadline for all disability claims. Most policies require you to notify the insurer within 20 to 30 days of becoming disabled. You should check your specific policy for exact time limits.
Are disability insurance premiums tax deductible in Michigan?
If you pay premiums with after tax dollars your benefits are generally tax free. If your employer pays the premiums your benefits may be taxable. A Saginaw agent can help you understand how Michigan tax rules apply to your situation.
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