The top-rated disability insurance agent in Centerville, Ohio is Tim McKenzie - State Farm Insurance Agent, rated 5.0 stars across 337 reviews. Other highly rated options include Greg Fay Insurance Agency, Carr Insurance Agency, Inc., Tinnerman Insurance Agency - Centerville. This directory lists 10 disability insurance agents serving Centerville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tim McKenzie - State Farm Insurance Agent | 157 S Main St | (937) 433-8733 |
| 2 | Greg Fay Insurance Agency | 207 W Franklin St | (937) 619-9705 |
| 3 | Carr Insurance Agency, Inc. | 255 N Main St | (937) 435-9000 |
| 4 | Tinnerman Insurance Agency - Centerville | 5 Iron Gate Park Dr | (937) 439-0212 |
| 5 | American Insurance Strategies | 76 Marco Ln | (937) 886-6454 |
| 6 | Brandelyn Blair American Family Insurance | 872 E Franklin St STE B | (937) 374-0855 |
| 7 | Centerville Insurance Agency | 55 W Franklin St | (937) 433-0874 |
| 8 | Tiffany Losekamp: Allstate Insurance | 7026 Corporate Way Ste 100b | (937) 866-3180 |
| 9 | Salyers Financial Group | 190 E Spring Valley Pike Ste A | (937) 550-0111 |
| 10 | Ingram & Raucci Insurance and Financial Advisors | 6768 Loop Rd | (937) 434-8989 |
Tim McKenzie - State Farm Insurance Agent serves the Centerville, Ohio area and surrounding Montgomery County communities as a disability insurance agent. The agency assists local professionals, business owners, and self-employed individuals in understanding and selecting policies. It focuses on both short-term and long-term disability coverage to help protect earned income. A common consultation involves evaluating waiting periods and benefit amounts tailored to individual occupations. This particular agency also provides complementary reviews of existing policies to check for coverage gaps.
Greg Fay Insurance Agency in Centerville, OH, offers a range of disability insurance agent services, including helping clients assess their income protection needs and guiding them through policy options. The agency provides ongoing support, assisting with plan reviews and any necessary claims assistance to maintain coverage over time. It services single-family homes, apartments, retail establishments, and restaurants seeking disability coverage for owners and employees.
Carr Insurance Agency, Inc. serves homeowners, renters, and local business owners in Centerville, OH, by helping them secure disability insurance policies to protect their income if illness or injury prevents them from working. The agency assists clients in comparing coverage options that can replace a portion of lost earnings during recovery. It also works with self-employed professionals and small companies seeking group disability protection. Its service area includes communities throughout Dayton and reaches neighboring Kettering.
Tinnerman Insurance Agency - Centerville provides disability insurance services to Centerville, Ohio, and the surrounding communities in Montgomery County. The agency handles applications for individual disability income policies that replace a portion of a person's earnings if they become unable to work due to illness or injury. It also assists with policy questions, claim submissions, and benefit reviews for clients. To handle a typical job, the agency reviews a client's occupation and current income to recommend coverage amounts.
American Insurance Strategies in Centerville, OH addresses both one-time policy needs and ongoing income protection through recurring service arrangements. Coverage focuses on replacing a portion of lost wages when illness or injury prevents work. This local agency reviews individual situations to match policy features with a client’s occupational duties and lifestyle. Assistance with claim documentation is provided to support a smooth process. Service runs on either a one-time consultation basis or as a scheduled annual review of existing coverage and changing needs.
Brandelyn Blair American Family Insurance specializes in disability insurance agent services in Centerville, Ohio. The agency helps clients secure income protection policies that replace lost wages if illness or injury prevents work. It also provides general advice on navigating different plan options and coordinating benefits with an employer’s existing coverage. As tax season approaches, the agent can show how to adjust coverage to align with recent changes in self-employment earnings.
As winter weather increases the risk of slips and falls, workers in Centerville, OH often seek reliable income protection. Centerville Insurance Agency specializes in disability insurance for local professionals who need to safeguard their earnings during unexpected medical leave. Their agents guide clients through policy options for both short-term and long-term coverage tailored to individual occupations. This personalized approach helps residents compare benefit periods and elimination periods that fit their budgets. A brief initial consultation with a representative on available plans begins the coverage evaluation process.
Tiffany Losekamp: Allstate Insurance in Centerville, OH, works with local individuals and businesses to secure financial protection. The agency specializes in disability insurance, offering policies that provide income replacement if a client becomes unable to work due to illness or injury. Licensed agents assess each client’s specific occupational risks and earnings to tailor appropriate coverage. This includes serving a wide range of commercial sectors, from professional offices and warehouses to food service operations seeking to protect their employees and bottom lines from income disruption.
Serving residents across Centerville, Salyers Financial Group provides personal disability insurance designed to protect individual income. The agency also handles commercial disability coverage for local businesses, aiming to secure employee earnings company-wide within the immediate Dayton region. Agents explain policy terms and help tailor plans based on occupational duties and salary structures. Clients often return for annual policy reviews and adjustments between scheduled regular visits, ensuring ongoing coverage remains relevant to changing household or business needs.
Ingram & Raucci Insurance and Financial Advisors is known in Centerville, OH for helping individuals secure income protection through disability insurance. The company assists local professionals in understanding the full range of coverage options, ensuring clients can replace a portion of their salary if injury or illness prevents them from working. Its service extends to evaluating policies for both short-term and long-term disability needs. For clients seeking complete financial stability, the agency can add on a complementary review of their existing life insurance coverage.
What Does a a Disability Insurance Agent in Centerville Cost?
Disability insurance premiums in Ohio vary based on age, occupation, health, and benefit amount. Typical monthly premiums range from 1% to 3% of your annual income. For example, a 40 year old office worker earning $60,000 per year might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high risk occupations or pre existing conditions. This is general information and not insurance advice.
About disability insurance agents in Centerville
Disability insurance agents in Centerville Ohio help individuals and businesses find coverage that protects income if you cannot work. Ohio law requires agents to be licensed by the Ohio Department of Insurance. Local agents can explain how Ohio state disability benefits interact with private policies.
Frequently Asked Questions
What does a disability insurance agent in Centerville 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. They also assist with filing claims and understanding Ohio insurance regulations.
Is disability insurance required in Ohio?
Ohio does not require private disability insurance for most workers. However, employers with more than 25 employees in Ohio must provide temporary disability coverage under the Ohio Workers Compensation system for work related injuries. Private disability insurance is optional but recommended for non work related illnesses or injuries.
How long does it take to get a disability insurance policy in Centerville?
The application process typically takes 2 to 6 weeks depending on your health history and the insurer. Ohio agents can help you complete medical questionnaires and gather records to speed up underwriting. Some policies with limited medical questions may be issued faster.
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