The top-rated disability insurance agent in Southgate, Michigan is Lademan Insurance Agency, rated 4.8 stars across 147 reviews. Other highly rated options include Grendel-Wittbold Insurance, Sam Quisenberry - State Farm Insurance Agent, Gary K Smith Insurance Agency. This directory lists 11 disability insurance agents serving Southgate.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lademan Insurance Agency | 16093 Eureka Rd | (734) 284-7500 |
| 2 | Grendel-Wittbold Insurance | 12850 Eureka Rd | (734) 284-4740 |
| 3 | Sam Quisenberry - State Farm Insurance Agent | 11165 Allen Rd | (313) 386-6565 |
| 4 | Gary K Smith Insurance Agency | 14405 Northline Rd | (734) 285-7620 |
| 5 | Bryan Kozlowski - State Farm Insurance Agent | 13245 Northline Rd | (734) 443-4018 |
| 6 | Brad Baynai - State Farm Insurance Agent | 18706 Eureka Rd | (734) 282-6000 |
| 7 | Brochue Insurance Agency | 13060 Northline Rd | (734) 285-2100 |
| 8 | Stroia Insurance Group | 13260 Dix Toledo Rd | (734) 283-8780 |
| 9 | Lana Mohamed: Allstate Insurance | 13220 Trenton Rd | (734) 258-1986 |
| 10 | Farmers Insurance - Gbade Akinjide | 13516 Northline Rd | (734) 246-2830 |
Lademan Insurance Agency serves the Southgate, Michigan, area and specializes in providing disability insurance agent services. The firm assists individuals in securing income protection policies that offer financial support if an illness or injury prevents them from working. This coverage helps replace a portion of lost earnings during recovery periods. Policy options typically include short-term and long-term disability plans, which are tailored to meet varied client needs and budgets. The agency handles applications and policy selection for both short-term and long-term disability insurance plans in this region.
Grendel-Wittbold Insurance works with residents, business owners, and self-employed professionals in Southgate, Michigan. The agency helps clients understand and select disability income protection policies to safeguard their earnings if an injury or illness prevents them from working. They guide customers through different coverage options and terms to match individual financial needs and job requirements. The agency also assists with policy questions and potential claims. Its service area extends to neighboring communities throughout southern Wayne County, including the city of Allen Park.
Sam Quisenberry - State Farm Insurance Agent in Southgate, MI provides disability insurance agent services, offering income protection policies for individuals who become unable to work due to illness or injury. These plans include short-term and long-term disability coverage that replace a portion of lost wages during recovery. The agency assists clients with policy selection, claim filing guidance, and periodic policy reviews to keep coverage aligned with changing needs. Sam Quisenberry - State Farm Insurance Agent services single-family homes, apartments, retail, and restaurants.
Serving Southgate and the surrounding Downriver communities, Gary K Smith Insurance Agency handles disability insurance for local residents. The agency works with individuals to arrange policies that provide income protection due to illness or injury. Clients are guided through plan evaluations covering benefit periods and elimination periods. For a typical job, it reviews each client's occupation and income to recommend a suitable policy.
Bryan Kozlowski, operating as a State Farm Insurance Agent in Southgate, MI, helps clients understand the distinction between one-time disability insurance policies and recurring service options for ongoing coverage adjustments. This agency provides guidance on selecting plans that replace a portion of income if illness or injury prevents work. Services evaluate policy limits, elimination periods, and benefit durations according to individual needs. Disability insurance support here runs on a scheduled basis, accommodating periodic reviews for changes in employment or health status.
Brad Baynai - State Farm Insurance Agent in Southgate, MI offers disability insurance agent services focusing on income protection plans, followed by general personal and commercial coverage consultations. These policies help replace lost earnings if an injury or illness prevents work, while guidance on local coverage requirements comes from an understanding of Michigan insurance regulations. Clients often address concerns about short-term recovery from accidents or long-term disability following a seasonal winter fall or workplace mishap.
As winter in Southgate brings higher risks for slips and falls, area residents often consider the financial protection a disability insurance policy provides. Brochue Insurance Agency helps clients in evaluating options for income replacement during recovery from illness or injury. Their agents explain how benefit periods and elimination periods affect coverage and premium costs. Understanding local occupational risks informs the personalized assessment each customer receives before selecting a policy that aligns with their earnings and budget. A thorough inspection of current income and medical history guides the initial consultation.
Stroia Insurance Group serves residential clients in Southgate, MI, helping individuals secure disability income protection. Commercial coverage is also available for local small businesses needing to safeguard their operations. The agency’s service area includes Southgate and surrounding communities within Wayne County. Policies can be reviewed to match each client’s specific income needs and occupation risks. Follow-up consultations are offered between regular visits to adjust plans as personal or business circumstances change.
Lana Mohamed: Allstate Insurance in Southgate, MI, is recognized for providing disability insurance agent services to local residents. The company helps clients evaluate individual and employer-based policies to secure income protection against unexpected medical leaves. Its work often involves explaining benefit periods, elimination periods, and coverage options for both short-term and long-term needs. A specialty service this agency can add on is personal risk assessment consultations to fine‑tune policy details for self-employed workers.
Farmers Insurance - Gbade Akinjide in Southgate, Michigan provides personal risk management and financial protection planning for individuals and families. As a disability insurance agent, the agency specializes in offering income replacement policies that help cover living expenses if a client cannot work due to illness or injury. Many working residents rely on these tailored solutions to safeguard their earnings and long-term stability within the local community. The agency serves professionals employed in offices, warehouses, and food service establishments across the region.
What Does a a Disability Insurance Agent in Southgate Cost?
Typical costs for disability insurance in Michigan range from 1% to 3% of your annual income for a policy. For example, a 40-year-old earning $60,000 per year might pay $600 to $1,800 annually for a good policy. Costs vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Southgate
Disability insurance agents in Southgate 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 and a free look period of at least 10 days. A local agent can explain these rules and help you choose a plan that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Southgate do?
A disability insurance agent helps you compare policies from different carriers and find coverage that matches your occupation and income. They can also assist with filing claims and understanding policy terms. In Michigan, agents must be licensed by the Department of Insurance and Financial Services.
How do I choose a disability insurance agent in Southgate Michigan?
Look for an agent who specializes in disability insurance and has experience with Michigan regulations. Ask about their knowledge of state-specific rules like the 60-day time limit to file a claim after a disability begins. A good agent will explain policy details clearly without pressuring you.
Are disability insurance benefits taxable in Michigan?
It depends on who pays the premiums. If you pay premiums with after-tax dollars, 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. An agent can help you understand the tax implications for your situation.
Disability Insurance Agents in Other Michigan Cities
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