Disability insurance companies in Michigan play a crucial role in protecting individuals from loss of income due to unexpected disabilities. These firms provide essential policies, helping clients navigate financial vulnerabilities caused by health issues. The industry is marked by independent agencies and larger firms alike, all focusing on tailored solutions for both individuals and businesses. Interestingly, as awareness grows around mental health and chronic conditions, the demand for disability integration in employee benefit plans is likely to expand, driving innovation and improved customer experiences in coverage and claims management.


The companies featured in this list vary in size and specialty, with some established as far back as 1915 and others as recent as 2017. Based predominantly in Michigan, they range from family-owned agencies with concentrated local operations to larger firms with a broader scope. Their services span across employee benefits, offering key products like disability insurance, health coverage, and retirement plans which align with the shifting needs of today's workforce.


Continue reading to learn more about Michigan's top disability insurance companies.


Top 22 Disability Insurance Companies in Michigan


1. Auto-Owners Insurance

  • Website: auto-owners.com
  • Ownership type: Private
  • Headquarters: Lansing, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1916
  • Headcount: 5001-10000
  • LinkedIn: auto-owners-insurance

Auto-Owners Insurance, founded in 1916 and based in Lansing, Michigan, is a private insurance company that provides a wide array of insurance products. Their offerings include life, home, auto, and business insurance, catering to both individual consumers and businesses. The company operates through a network of independent agents across multiple states, ensuring localized service and expertise. Auto-Owners is recognized for its financial stability, holding an A++ (Superior) rating from AM Best, a credit rating agency in the insurance industry. They have a strong commitment to customer service, having received numerous awards for their claims management. Additionally, Auto-Owners actively engages in community support and corporate responsibility initiatives, reflecting their dedication to the areas they serve. Their involvement in the disability insurance sector includes providing disability income policies, which help individuals manage financial risks associated with disabilities.


2. Michigan Planners

  • Website: miplanners.com
  • Ownership type: Family Owned
  • Headquarters: Washington, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1962
  • Headcount: 11-50
  • LinkedIn: michigan-planners-inc-

Michigan Planners, founded in 1962 and based in Washington, Michigan, is a family-owned insurance agency that specializes in employee benefits and insurance services. With a workforce of 45 employees, the company has built a reputation for assisting businesses and individuals in navigating the complexities of healthcare coverage, retirement planning, and various insurance products. Their offerings include medical, dental, vision, life, and notably, disability insurance. Michigan Planners aims to provide tailored solutions for both small and large groups, ensuring that clients receive the necessary support to manage their employee benefits effectively. They have established a presence across multiple locations in Michigan, including Traverse City and Lansing, and serve clients nationwide. Their commitment to customer service and education is evident through their resources, webinars, and personalized support, which help clients understand and utilize their benefits effectively.


3. Encore Financial Group


Encore Financial Group, founded in 2004 and based in Cheboygan, Michigan, is a private financial services firm with a team of approximately 27 employees. The company is dedicated to assisting families, individuals, and businesses in achieving financial independence through personalized financial solutions. Their service offerings include life insurance, retirement planning, investment management, and notably, disability insurance, which encompasses both short-term and long-term options. Encore Financial Group is affiliated with Osaic Wealth, enhancing their capabilities in providing investment advisory services. The firm actively engages with the community, participating in local initiatives and offering educational resources to promote financial literacy. Their holistic approach aims to reduce financial risks and provide growth opportunities for clients who prioritize their financial well-being.


4. Al Bourdeau Insurance Agency

  • Website: albourdeau.com
  • Ownership type: Private
  • Headquarters: Flint, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1921
  • Headcount: 51-200
  • LinkedIn: al-bourdeau-insurance-agency

Al Bourdeau Insurance Agency, founded in 1921, is a private insurance agency based in Flint, Michigan. With a workforce of approximately 73 employees, the agency has grown significantly over the years, operating multiple locations across Michigan and Florida. The agency offers a wide array of insurance products, including personal, business, and employee benefits insurance. Their employee benefits division is particularly noteworthy, as it includes health, dental, vision, long-term care, and disability insurance. This focus on employee benefits highlights their role in the insurance industry, as they cater to both individual consumers and businesses, helping them manage risks and protect their assets. With a client base of nearly 40,000 customers, Al Bourdeau Insurance Agency has established itself as a significant player in the insurance market, providing tailored solutions to meet the needs of its clients.


5. The Dearborn Agency, Inc.

  • Website: dearbornagency.com
  • Ownership type: Private
  • Headquarters: Dearborn, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1924
  • Headcount: 11-50
  • LinkedIn: the-dearborn-agency

The Dearborn Agency, Inc., established in 1924, is an independent insurance agency based in Dearborn, Michigan. With a team of approximately 33 employees, the agency has built a reputation for providing tailored insurance solutions to both individual consumers and businesses. Their offerings include personal insurance products such as home, auto, and individual life insurance, as well as business insurance options like commercial auto and cyber liability. Notably, they also provide employee benefits, which include group health, dental, vision, and disability insurance. The agency prides itself on its long-standing history and commitment to client advocacy, serving over 2,000 households and organizations. As a women-owned business, The Dearborn Agency emphasizes customer service and flexibility in its operations, aiming to meet the evolving needs of its clients.


6. Hantz Group

  • Website: hantzgroup.com
  • Ownership type: Private
  • Headquarters: Southfield, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1998
  • Headcount: 501-1000
  • LinkedIn: hantz-group

Hantz Group is a financial services firm based in Southfield, Michigan, established in 1998. The company provides a comprehensive suite of services that includes financial planning, asset management, insurance, and tax services. With a workforce of around 600 employees and multiple offices across Michigan and Ohio, Hantz Group aims to assist both individual clients and businesses in navigating complex financial landscapes. Their offerings include life, long-term care, and disability insurance, which are integrated into their holistic approach to financial management. This strategy emphasizes collaboration among specialists to achieve optimal outcomes for clients. Hantz Group has developed proprietary technology, such as Hantz 360°, to maintain a real-time overview of clients' financial situations, enhancing their service delivery. They have not reported any recent funding, indicating a stable operational model without external financial backing.


7. Mason-McBride Insurance

  • Website: mason-mcbride.com
  • Ownership type: Family Owned
  • Headquarters: Troy, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1916
  • Headcount: 11-50
  • LinkedIn: mason-mcbride

Mason-McBride Insurance, established in 1916, is a family-owned insurance agency based in Troy, Michigan. With a team of 34 employees, the agency has built a reputation for providing personalized insurance solutions to both individuals and businesses. They offer a wide array of products, including personal insurance, business insurance, and employee benefits. Their employee benefits package includes health, dental, vision, and notably, disability insurance options. This agency prides itself on its commitment to customer service, ensuring that clients receive clear and comprehensive support throughout their insurance journey. With over a century of experience, Mason-McBride has developed strong relationships within the community, positioning itself as a trusted partner for insurance needs.


8. Nulty Insurance

  • Website: nulty.com
  • Ownership type: Family Owned
  • Headquarters: Kalamazoo, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1945
  • Headcount: 51-200
  • LinkedIn: nulty-insurance

Nulty Insurance, established in 1945, is a family-owned insurance agency based in Kalamazoo, Michigan. With a workforce of around 66 employees, the agency provides a wide array of insurance solutions, including personal, business, and employee benefits insurance. They cater to both individual consumers and businesses, helping clients manage risks associated with property, health, and liability. Nulty Insurance emphasizes personalized service and offers multiple options from top-rated insurance carriers. Their involvement in the industry is marked by a commitment to understanding client needs and delivering tailored insurance solutions. They have built a reputation for quality service and community involvement, serving various locations across Michigan.


9. Shoreline Insurance Agency, Inc.


Shoreline Insurance Agency, Inc., based in Muskegon, Michigan, has been serving the insurance needs of West Michigan since its founding in 1976. With a team of 28 employees, the agency prides itself on delivering personalized service and tailored insurance solutions. They offer a wide array of products, including personal, business, life, and health insurance. Their expertise extends to employee benefits, where they provide various plans, including disability insurance. The agency emphasizes strong relationships with clients and aims to navigate the complexities of insurance coverage effectively. Their commitment to customer service is evident in their approach to claims and policy management, ensuring clients receive the support they need.


10. MassMutual Great Lakes


MassMutual Great Lakes, founded in 2017 and based in Southfield, Michigan, is a financial services firm that provides a variety of products aimed at helping individuals, families, and businesses achieve financial security. The company operates through a network of financial services representatives, emphasizing the importance of personal relationships in its service delivery. Among its offerings, MassMutual Great Lakes includes disability income insurance, which is designed to provide financial support in the event of a disability that prevents clients from working. The firm has been recognized for its community involvement, supporting over 60 nonprofit organizations and earning accolades such as being listed among Metro Detroit’s Best & Brightest Companies to Work For. The leadership team, including CEO Manuel Amezcua and President Shelley Fiore, brings extensive experience in the financial services industry, further enhancing the company's credibility and expertise in providing insurance solutions.


11. MMI Financial Group, Inc.

  • Website: mmifinancialgroup.com
  • Ownership type: Private
  • Headquarters: Owosso, Michigan, United States (USA)
  • Employee distribution: United States (USA) 68%, Ghana 32%
  • Founded year: 1989
  • Headcount: 1-10
  • LinkedIn: mmi-financial-group-inc.

MMI Financial Group, Inc., established in 1989 and based in Owosso, Michigan, is a private financial services firm that specializes in insurance and financial planning. The company serves individuals, families, and small businesses, primarily within Michigan, emphasizing personalized service and tailored financial solutions. MMI operates as a licensed independent insurance agency, focusing on health insurance, Medicare supplements, and notably, disability income plans among other insurance products. Their team comprises experienced professionals dedicated to providing proactive client service, ensuring that clients receive the most suitable insurance products for their needs. MMI Financial Group also offers financial management services, including retirement planning and portfolio management, further solidifying their role in helping clients secure their financial futures. With a small team of around 19 employees, MMI maintains a community-oriented approach, fostering strong relationships with clients and local partners.


12. Doyle & Ogden Insurance

  • Website: doyle-ogden.com
  • Ownership type: Family Owned
  • Headquarters: Grand Rapids, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1958
  • Headcount: 11-50
  • LinkedIn: doyle-%26-ogden-insurance

Doyle & Ogden Insurance Advisors, established in 1958, is a family-owned insurance agency based in Grand Rapids, Michigan. With a team of approximately 44 employees, the agency provides a wide array of insurance solutions tailored to meet the needs of individuals, businesses, and organizations. Their offerings include personal insurance, business insurance, and employee benefits, with a notable emphasis on disability insurance as part of their employee benefits package. This focus on disability insurance reflects their understanding of the importance of protecting individuals against income loss due to unforeseen circumstances. The agency prides itself on delivering personalized service and customized insurance solutions, helping clients navigate their insurance needs effectively. They have built a reputation for reliability and customer service, which is evident from the testimonials featured on their website. Doyle & Ogden Insurance continues to serve the local community while adapting to the evolving insurance landscape.


13. Benefit Review Services, Inc.

  • Website: benefitreview.com
  • Ownership type: Private
  • Headquarters: Sterling Heights, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: benefit-review-services-inc-

Benefit Review Services, Inc. (BRSi) is a consulting and insurance firm based in Sterling Heights, Michigan, with additional offices in Florida. Founded in 1989, the company has built a reputation for providing tailored financial and insurance solutions to individuals, families, and businesses. Their service offerings include employee benefits, personal insurance, and retirement planning. Within their personal insurance solutions, they specifically address individual and family health, life, disability, and Medicare insurance needs. BRSi prides itself on its dedicated team of advisors and responsive customer support, aiming to guide clients through the complexities of insurance and financial planning. They emphasize a commitment to integrity and professionalism in servicing their clients' needs, ensuring that they propose products from reputable partners with strong financial ratings.


14. Highstreet Insurance Partners

  • Website: hsip.com
  • Ownership type: Family Owned
  • Headquarters: Traverse City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Founded year: 2018
  • Headcount: 1001-5000
  • LinkedIn: high-street-partners-llc

Highstreet Insurance Partners, founded in 2018 and based in Traverse City, Michigan, is a family-owned insurance agency that provides a comprehensive suite of insurance and financial services. The company caters to both businesses and individuals, offering products that include business and personal insurance, employee benefits, and financial planning services. Highstreet operates through a network of local agents across the United States, ensuring a community-focused approach to insurance. Their industry involvement spans various sectors, including Aerospace, Agribusiness, and Marine, reflecting their adaptability and reach. Notably, Highstreet emphasizes employee benefits, which includes health and wellness plans, as well as disability insurance, showcasing their commitment to supporting businesses in providing essential coverage for their employees.


15. Mason Insurance Agency, Inc


Mason Insurance Agency, Inc., established in 1946, is a private insurance agency located in Mason, Michigan. With a team of 11 to 50 employees, the agency provides a wide array of insurance products, including auto, home, life, health, and notably, disability insurance. The agency's approach is to act as an intermediary, connecting clients with over 15 different insurance providers to secure the best rates and coverage options tailored to individual needs. This independent model allows Mason Insurance Agency to offer personalized service and a variety of choices to its clients. The agency serves both individual consumers and businesses, emphasizing its commitment to protecting clients against financial risks. Its local focus and community involvement further enhance its reputation as a trusted insurance provider in the Greater Lansing area.


16. Blackmore-Rowe Insurance

  • Website: blackmorerowe.com
  • Ownership type: Family Owned
  • Headquarters: Flint, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1915
  • Headcount: 11-50
  • LinkedIn: blackmore-rowe-insurance

Blackmore-Rowe Insurance, established in 1915, is a family-owned insurance agency based in Flint, Michigan. With a workforce of 21 employees, the agency has built a reputation for providing tailored insurance solutions to both individuals and businesses. Their offerings include a wide range of personal insurance products such as home and auto insurance, as well as business insurance options like general liability and workers' compensation. Notably, they also provide employee benefits, which include group health, dental, vision insurance, and crucially, disability insurance. This involvement in disability insurance reflects their commitment to supporting clients in protecting their financial well-being in the event of unforeseen circumstances. Their long-standing presence in the industry and focus on personalized service position them as a relevant player in the disability insurance market.


17. KorthaseFlinn Insurance & Financial Services

  • Website: korthaseflinn.com
  • Ownership type: Corporate
  • Headquarters: Boyne City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: May 2019
  • Founded year: 1926
  • Headcount: 11-50
  • LinkedIn: korthaseflinn

KorthaseFlinn Insurance & Financial Services, established in 1926, is an insurance agency based in Boyne City, Michigan. With a workforce of 34 employees, the company has built a reputation for providing a wide array of personal and business insurance solutions, including employee benefits. They serve a substantial client base of over 40,000 individuals and businesses across Northern Michigan. The agency specializes in understanding the unique risks faced by their clients, allowing them to offer customized insurance products that include disability insurance, 401(k) plans, and various other employee benefits. Their independent status enables them to represent multiple insurance carriers, ensuring that clients receive options tailored to their specific needs. KorthaseFlinn operates five offices throughout Michigan, reinforcing their commitment to local service and community engagement.


18. Finn's JM&J Insurance Agency / Hopkins Thomas & Blair

  • Website: finnsins.com
  • Ownership type: Family Owned
  • Headquarters: Ann Arbor, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1959
  • Headcount: 11-50
  • LinkedIn: hopkins-thomas-%26-blair

Finn's JM&J Insurance Agency, also known as Hopkins Thomas & Blair, is a family-owned insurance agency based in Ann Arbor, Michigan. Established in 1959, the agency has built a reputation for providing a wide array of insurance products, including auto, home, life, health, and business insurance. With a dedicated team of professionals, they aim to simplify the insurance process for both individual consumers and businesses. Their commitment to customer service is evident in their approach to helping clients navigate their insurance needs, including disability insurance, which is part of their life and health offerings. The agency operates with a focus on community engagement, ensuring that they meet the needs of their local clientele effectively. They have not reported any funding, indicating a stable, self-sustaining business model.


19. Shield Insurance Agency

  • Website: shieldagency.com
  • Ownership type: Family Owned
  • Headquarters: Hudsonville, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2004
  • Headcount: 11-50
  • LinkedIn: shieldinsuranceagency

Shield Insurance Agency, based in Hudsonville, Michigan, has been serving clients since 2004. This family-owned agency prides itself on offering a wide array of insurance products, including auto, home, business, health, and notably, disability insurance. With a team of approximately 37 employees, they focus on providing tailored insurance solutions to both individuals and businesses across multiple states, including Michigan, Arizona, and Florida. Their commitment to customer service is evident in their long-term client relationships and community outreach efforts. The agency is also endorsed by financial expert Dave Ramsey, which adds a layer of credibility to their operations. They leverage partnerships with over 40 trusted carriers to ensure clients receive appropriate coverage options that meet their needs.


20. Van Wyk Risk Solutions

  • Website: vanwykcorp.com
  • Ownership type: Private
  • Headquarters: Grand Rapids, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1982
  • Headcount: 11-50
  • LinkedIn: van-wyk-risk-solutions

Van Wyk Risk Solutions, based in Grand Rapids, Michigan, has been operational since 1982. This private insurance agency specializes in risk management and offers tailored insurance solutions for both businesses and individuals. Their services include property insurance, employee benefits, and compliance consulting. The firm prides itself on understanding the unique risks faced by its clients and crafting customized solutions to address those needs. With a team of experienced professionals, Van Wyk aims to provide a personal touch while leveraging the capabilities of a larger firm. They also offer a variety of employee benefits, including short-term and long-term disability insurance, which positions them within the disability insurance market. Their commitment to client service and risk management has allowed them to maintain a relevant presence in the insurance industry.


21. AIC Insurance Services

  • Website: theaicgroup.com
  • Ownership type: Private
  • Headquarters: Ada, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 1-10
  • LinkedIn: aic-insurance-services

AIC Insurance Services, based in Ada, Michigan, has been operational since 1997. This independent insurance agency provides a variety of insurance solutions tailored to both individual consumers and businesses. Their offerings include personal insurance, business insurance, and employee benefits, which encompass group health, dental, vision, and disability insurance. AIC Insurance Services prides itself on building relationships with clients and delivering personalized service. They serve a clientele primarily in Michigan but also extend their services across the United States. The agency emphasizes a customer-focused approach, aiming to help clients manage risks and protect their assets through tailored insurance products. With a small team of around 18 employees, AIC Insurance Services has maintained steady growth and a commitment to integrity and professionalism in their operations.


22. Top O' Michigan Insurance Solutions - TOMIA247

  • Website: tomia247.com
  • Ownership type: Family Owned
  • Headquarters: Traverse City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 11-50
  • LinkedIn: top-o%27-michigan-insurance

Top O' Michigan Insurance Solutions, also known as TOMIA247, is a family-owned insurance agency based in Traverse City, Michigan. Founded in 1974, the company has built a reputation for providing a comprehensive range of insurance products tailored to both individual consumers and businesses. Their offerings include personal insurance such as auto, home, and health insurance, as well as business insurance solutions that cover various sectors including workers' compensation and employee benefits. TOMIA247 emphasizes community involvement and customer service, with multiple locations across Michigan. They have been recognized for their commitment to growth and operational excellence, notably receiving the Keystone Partner of the Year award in Michigan, which highlights their engagement in the insurance industry and their dedication to improving client experiences. The agency's focus on local service, combined with their affiliation with Keystone Insurers Group, allows them to leverage national resources while maintaining a community-oriented approach.



Disability Insurance Insights: Key Companies in Michigan


CompanyHeadquarterSizeFoundedOwnership
Auto-Owners InsuranceLansing, Michigan, United States (USA)5001-100001916Private
Michigan PlannersWashington, Michigan, United States (USA)11-501962Family Owned
Encore Financial GroupCheboygan, Michigan, United States (USA)11-502004Private
Al Bourdeau Insurance AgencyFlint, Michigan, United States (USA)51-2001921Private
The Dearborn Agency, Inc.Dearborn, Michigan, United States (USA)11-501924Private
Hantz GroupSouthfield, Michigan, United States (USA)501-10001998Private
Mason-McBride InsuranceTroy, Michigan, United States (USA)11-501916Family Owned
Nulty InsuranceKalamazoo, Michigan, United States (USA)51-2001945Family Owned
Shoreline Insurance Agency, Inc.Muskegon, Michigan, United States (USA)11-501976Private
MassMutual Great LakesSouthfield, Michigan, United States (USA)51-2002017Private
MMI Financial Group, Inc.Owosso, Michigan, United States (USA)1-101989Private
Doyle & Ogden InsuranceGrand Rapids, Michigan, United States (USA)11-501958Family Owned
Benefit Review Services, Inc.Sterling Heights, Michigan, United States (USA)11-501989Private
Highstreet Insurance PartnersTraverse City, Michigan, United States (USA)1001-50002018Family Owned
Mason Insurance Agency, IncMason, Michigan, United States (USA)11-501946Private
Blackmore-Rowe InsuranceFlint, Michigan, United States (USA)11-501915Family Owned
KorthaseFlinn Insurance & Financial ServicesBoyne City, Michigan, United States (USA)11-501926Corporate
Finn's JM&J Insurance Agency / Hopkins Thomas & BlairAnn Arbor, Michigan, United States (USA)11-501959Family Owned
Shield Insurance AgencyHudsonville, Michigan, United States (USA)11-502004Family Owned
Van Wyk Risk SolutionsGrand Rapids, Michigan, United States (USA)11-501982Private
AIC Insurance ServicesAda, Michigan, United States (USA)1-101997Private
Top O' Michigan Insurance Solutions - TOMIA247Traverse City, Michigan, United States (USA)11-501974Family Owned


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