The top-rated disability insurance agent in Birmingham, Alabama is Medicare Advisors of Alabama, rated 5.0 stars across 255 reviews. Other highly rated options include Alfa Insurance - The Vail Agency, Aaron Kidder - State Farm Insurance Agent, Wiggins Insurance Agency. This directory lists 27 disability insurance agents serving Birmingham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Medicare Advisors of Alabama | 2116 Columbiana Rd | (205) 704-9020 |
| 2 | Alfa Insurance - The Vail Agency | 2815 Greystone Commercial Blvd Suite 600 | (205) 980-9933 |
| 3 | Aaron Kidder - State Farm Insurance Agent | 1483 Gadsden Hwy #124 | (205) 655-6128 |
| 4 | Wiggins Insurance Agency | 5971 Chalkville Mountain Ln Suite D | (205) 853-6429 |
| 5 | Bama Insurance Services | 260 W Valley Ave | (205) 942-3522 |
| 6 | Assurance Financial Solutions | 1 Metroplex Dr | (205) 578-2097 |
| 7 | The Reed Agency | 9624 Parkway E | (205) 854-2156 |
| 8 | Farmers Insurance - David Porter | 3229 Veterans Cir Ste 115 | (205) 661-2001 |
| 9 | Birmingham Medicare Specialists | 420 20th St N Suite 2200- #2202 | (205) 506-6464 |
| 10 | Altasurance | 201 Office Park Dr #100 | (205) 970-2187 |
Medicare Advisors of Alabama serves the Birmingham metro area and surrounding Jefferson County as a disability insurance agent. The company assists individuals in understanding how disability coverage can protect their income if illness or injury prevents them from working. It helps clients review policy options tailored to different professions and income levels in the local community. Specific services handled here include long-term disability insurance and short-term disability insurance.
Serving homeowners, renters, and business owners across Birmingham, Alabama, Alfa Insurance - The Vail Agency provides disability insurance guidance to help protect income against unexpected medical events. The agency assists clients in understanding policy options that replace a portion of lost earnings during recovery periods. With a focus on practical risk management, it helps individuals and families safeguard financial stability. The agency also extends its coverage support to clients in the neighboring suburb of Hoover, ensuring broader metro-area accessibility for those seeking income protection.
As a disability insurance agent in Birmingham, Alabama, Aaron Kidder - State Farm Insurance Agent guides individuals through the process of selecting coverage that protects income during periods of illness or injury. The agency explains policy options and helps clients understand benefit periods, waiting periods, and premium structures. Its general service work includes addressing client questions regarding existing policies and integrating coverage with other insurance plans. As the winter months create increased risks of slips and falls, the agency helps clients evaluate how a short-term disability claim would work in practice.
Unlike a one‑time policy purchase, Wiggins Insurance Agency provides ongoing service for disability coverage in Birmingham, Alabama. They assist clients by explaining how group and individual plans replace income during a leave from work. Coverage options are reviewed to address short‑term and long‑term needs. Consultations include helping applicants understand elimination periods and benefit amounts. Service is provided on a scheduled basis for policy reviews or each time a client requests a new plan.
Bama Insurance Services operates as a disability insurance agent in Birmingham, Alabama, focusing on helping individuals and businesses secure income protection policies. The firm assists clients in evaluating coverage options, addressing specific needs related to long-term disability and short-term disability plans. Its specialized work includes analyzing policy terms and coordinating benefits with existing employer plans. Bama Insurance Services serves a range of commercial sectors, including offices, warehouses, and food service establishments, to ensure employees have access to essential income replacement solutions during periods of incapacity.
Assurance Financial Solutions serves homeowners, businesses, and self-employed professionals in Birmingham, Alabama, offering disability insurance agent services to protect their income against unexpected illness or injury. The agency helps clients evaluate personalized coverage options that replace a portion of earnings during a qualifying disability. This guidance ensures financial stability for families and companies when an individual cannot work. Assurance Financial Solutions also extends its services to the neighboring community of Hoover, helping more residents across the greater Birmingham metro secure appropriate income protection policies.
The Reed Agency provides a full range of disability insurance services, including initial policy evaluations and coverage applications tailored to individual income and occupation needs. The agency offers ongoing policy management and periodic benefit reviews to help clients adjust coverage as their financial situations change. These service plans ensure long-term protection in the Birmingham, Alabama area, addressing the risks that threaten a client’s ability to earn an income. The agency serves professionals, self-employed individuals, small business owners, and employees of local firms and corporations.
Farmers Insurance - David Porter serves Birmingham, Alabama, and the surrounding communities with disability insurance agent services. The agency handles both short-term and long-term disability coverage, helping clients protect their income in the event of illness or injury. It also assists individuals in understanding how policy benefits interact with employer plans and government programs. To handle a typical job, it evaluates each client’s occupation and income to recommend a specific coverage amount and elimination period suited to their financial situation.
Birmingham Medicare Specialists offers targeted services as a Disability Insurance Agent in Birmingham, Alabama. It helps clients navigate the complexities of securing disability income protection to safeguard their earnings during unexpected health setbacks. The agent provides detailed policy guidance, ensuring individuals understand coverage options and application procedures specific to local employment conditions. This work assists professionals in planning financial stability if a serious illness or injury prevents them from working. New business owners often seek its help when establishing their initial safety net after leaving a group employer plan.
Altasurance in Birmingham, Alabama offers disability insurance as both a one-time purchase for a single policy and an ongoing service for periodic coverage reviews and updates. Disability insurance provides income replacement when a client cannot work due to illness or injury, protecting against lost wages. The company helps individuals and professionals evaluate policy options to secure financial stability during disability. Service runs on a scheduled basis upon initial policy placement and then as needed for claims support or plan adjustments.
What Does a a Disability Insurance Agent in Birmingham Cost?
Typical costs for disability insurance in Alabama range from 1% to 3% of your annual income for individual policies. Group plans through employers often cost less but have limited benefit amounts. Costs vary based on age health occupation and benefit period. This is general information and not insurance advice.
About disability insurance agents in Birmingham
Disability insurance agents in Birmingham Alabama help individuals and businesses secure income protection plans. Alabama follows state-specific insurance laws that affect policy terms and claim procedures. Working with a local agent ensures you understand how Alabama regulations apply to your coverage.
Frequently Asked Questions
What does a disability insurance agent in Birmingham do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They guide you through the application process and can assist with understanding policy exclusions. Agents do not provide legal advice but can clarify policy terms.
Are there Alabama laws that affect disability insurance claims?
Yes Alabama has a statute of limitations for filing a disability insurance lawsuit which is generally six years from the date of breach. Alabama also requires insurers to follow prompt payment rules. An agent can help you understand these timelines but cannot give legal counsel.
How do I choose a disability insurance agent in Birmingham?
Look for an agent who is licensed in Alabama and has experience with individual or group disability policies. Ask about their knowledge of Alabama insurance regulations and their process for helping with claims. Check their standing with the Alabama Department of Insurance.