The top-rated disability insurance agent in Columbia, Missouri is Senior Benefit Services: SBS, rated 5.0 stars across 458 reviews. Other highly rated options include Insurance Plus, Shelter Insurance - Mitch Theede, Acrisure Columbia, MO (Vogel Stuart Insurance Group). This directory lists 20 disability insurance agents serving Columbia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Senior Benefit Services: SBS | 801 Gray Oak Dr | (800) 627-2768 |
| 2 | Insurance Plus | 1604 Business Loop 70 W | (573) 615-0291 |
| 3 | Shelter Insurance - Mitch Theede | 3201 S Providence Rd Ste 203 | (573) 443-6080 |
| 4 | Acrisure Columbia, MO (Vogel Stuart Insurance Group) | 29 N 10th St | (573) 449-5395 |
| 5 | Kasmann Insurance Agency | 116 N Garth Ave | (573) 442-1105 |
| 6 | Auto-Owners Insurance Missouri Regional Office | 1600 E Pointe Dr | (573) 875-0289 |
| 7 | Mid-America Specialty Markets - Columbia | 303 N Stadium Blvd #200 | (573) 447-4990 |
| 8 | AAA Columbia Insurance and Member Services | 1205 Grindstone Pkwy #117 | (573) 445-8426 |
| 9 | Shelter Insurance - Kelly Veach | 107 Hitt St | (573) 443-1588 |
| 10 | Gallaher Insurance Group | 401 Locust St Suite 301 | (573) 777-9696 |
Senior Benefit Services, SBS, serves the Columbia, Missouri metro area and surrounding counties as a disability insurance agent. The company assists individuals and families by evaluating their specific financial needs and locating appropriate coverage options through various private insurers. Policies offered include short-term and long-term disability plans, which help protect income during periods of illness or injury. SBS also handles applications for employers seeking group disability benefits for their workforce, ensuring proper coverage is in place for local businesses.
Insurance Plus serves homeowners and businesses in Columbia, Missouri, offering disability insurance agent services to help protect income in the event of an injury or illness. The agency assists clients in evaluating policy options suited to individual financial situations and employment types. By clarifying coverage terms and guiding the application process, it aims to provide straightforward support for those seeking long-term or short-term disability plans. Its service area also extends into nearby communities, including Jefferson City and the broader Boone County metro region.
Serving Columbia, Missouri, and its surrounding communities, Shelter Insurance - Mitch Theede handles disability insurance for local residents. This type of coverage helps protect a portion of a person’s income if they become unable to work due to illness or injury. An agent in this area typically begins by reviewing a client’s current employment benefits and financial obligations. He then works to find a suitable policy that aligns with the client’s specific needs and budget constraints.
Acrisure Columbia, MO (Vogel Stuart Insurance Group) provides disability insurance agent services, including guidance on policy selection and assistance with claims. The agency offers ongoing service to help clients understand their coverage options and maintain benefit plans as needs change over time. These policies help protect income if an individual is unable to work due to illness or injury. The agency typically serves individuals who own residential properties such as single-family homes and apartments, as well as commercial property owners for retail storefronts and restaurants.
Kasmann Insurance Agency specializes in disability insurance solutions for residents of Columbia, Missouri. It assists clients in selecting individual or employer-sponsored policies designed to protect income during illness or injury. The agency also evaluates short-term and long-term coverage options to match varying professional needs and budgets. As the colder months approach, it helps self-employed individuals prepare for potential seasonal illnesses that might prevent them from working and earning a living.
Auto-Owners Insurance Missouri Regional Office in Columbia, MO offers both one-time consultations and recurring service arrangements for disability insurance needs. Clients can obtain coverage that replaces a portion of lost income if illness or injury prevents them from working, protecting financial stability during recovery. As a regional office, the agency assists local professionals in selecting appropriate policy terms and benefit durations. Service runs on a one-time, scheduled, or as-needed basis depending on the client's preference.
Mid-America Specialty Markets - Columbia assists homeowners in securing disability insurance coverage throughout their local area. The agency also provides coverage solutions for commercial clients needing protection for their businesses and employees. Serving the Columbia, Missouri region, they offer guidance on individual and group disability policy options. Clients often return for follow-up consultations between scheduled visits to review changing needs and adjust their benefit levels accordingly.
As the seasons change in Columbia, many working residents begin to review their financial protections for the year ahead. AAA Columbia Insurance and Member Services offers tailored disability insurance agent services to address this local need. Policy options are explained in detail, helping clients understand how income replacement plans function during an unexpected illness or injury. An initial assessment of each individual's current coverage and potential gaps is scheduled for the first appointment step.
Serving the Columbia, Missouri area, this agency provides disability insurance designed to protect income if illness or injury prevents work. As a Shelter Insurance representative, Kelly Veach specializes in individual disability policies tailored to professional needs. Coverage options help replace lost wages, enabling policyholders to maintain financial stability during recovery from a covered event. This agency actively serves clients employed in various commercial sectors, including local offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Columbia Cost?
The cost of disability insurance in Missouri typically ranges from 1% to 3% of your annual income. For example, a 35 year old non-smoker earning $60,000 per year might pay between $600 and $1,800 annually for a policy with a 90 day waiting period and benefits to age 65. Factors like age, health, occupation, and benefit amount affect the premium. This is general information and not insurance advice.
About disability insurance agents in Columbia
Disability insurance agents in Columbia, Missouri help individuals and business owners find coverage that protects income if an injury or illness prevents work. Missouri law does not require employers to provide disability insurance, so many workers seek private policies. Agents can explain options like own-occupation or any-occupation definitions and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Columbia do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They explain policy terms, exclusions, and benefit periods. They do not provide legal advice but can clarify what each plan covers.
Is disability insurance required by law in Missouri?
No, Missouri law does not require employers to offer disability insurance. However, some employers choose to provide it as a benefit. If you are self-employed or your employer does not offer coverage, you can buy a private policy through an agent.
How long does it take to get a disability insurance policy in Columbia?
The process usually takes two to eight weeks from application to approval. The timeline depends on your health history, the amount of coverage, and the insurance company. An agent can help speed up the process by ensuring your application is complete.
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