The top-rated disability insurance agent in Florence, Alabama is United Benefits, rated 4.9 stars across 115 reviews. Other highly rated options include Acceptance Insurance, Lyndsay Warren - COUNTRY Financial Agent, B.J. Brewer: Allstate Insurance. This directory lists 20 disability insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | United Benefits | 3295 Co Rd 47 | (866) 558-2121 |
| 2 | Acceptance Insurance | 3109 Florence Blvd | (256) 449-7017 |
| 3 | Lyndsay Warren - COUNTRY Financial Agent | 2101 Florence Blvd ste a | (256) 383-7077 |
| 4 | B.J. Brewer: Allstate Insurance | 1705 Darby Dr B | (256) 718-1666 |
| 5 | Hicks & Associates | 1801 N Wood Ave | (256) 766-6000 |
| 6 | Southern States Insurance | 104 S Pine St | (256) 765-0030 |
| 7 | Grier Insurance | 103 E Tennessee St | (256) 766-2222 |
| 8 | Tyler Franks - COUNTRY Financial Representative | 1312 N Wood Ave | (256) 764-9501 |
| 9 | Lance Hendrix Agency | 3368 Cloverdale Rd | (256) 320-7446 |
| 10 | Michael Noe - Nationwide Insurance | 115 E Mobile St | (256) 767-4237 |
United Benefits serves the Florence, Alabama metro and Lauderdale County area as a disability insurance agent. The company helps local clients secure coverage that replaces a portion of their income if they become unable to work due to illness or injury. It guides individuals and small business owners through policy options, focusing on short-term and long-term disability insurance, including employer-sponsored plans.
Offering residential disability insurance assistance in Florence, Alabama, Acceptance Insurance helps individuals protect their income against unexpected illness or injury. The agency also advises commercial clients, ensuring local businesses can secure coverage for their employees. Serving the wider Shoals region, the company provides guidance on both short-term and long-term disability policies. Clients often return for annual reviews to adjust their coverage as financial situations change, establishing a reliable routine between regular visits.
Lyndsay Warren - COUNTRY Financial Agent provides disability insurance to homeowners, small business owners, and professionals in and around Florence, Alabama. These policies help replace income if an illness or injury prevents the policyholder from working. Clients can discuss their specific coverage needs and explore options that align with their financial situation. A key goal is helping customers protect their earnings and maintain financial stability during recovery periods. The agency also offers its disability insurance services to residents in nearby Muscle Shoals.
B.J. Brewer: Allstate Insurance in Florence, AL, provides services including disability insurance agent consultations, policy comparisons, and claims assistance. Its service plans involve helping clients understand coverage options and guiding application processes. Maintenance support includes regular policy reviews and updates to ensure benefits remain current. The company’s typical service plans also offer help with coordinating disability claim documentation. It services single-family homes, apartments, retail establishments, and restaurants, meeting their needs for income protection.
Hicks & Associates in Florence, AL provides disability insurance on either a single-policy basis for a particular need or as part of a long-term coverage plan. A policy can replace a portion of lost income if an injury or illness prevents work. This company helps individuals assess their risk and select appropriate benefit periods and elimination periods. Service arrangements are flexible and typically run on an as‑needed basis for new quotes or policy reviews.
Southern States Insurance serves Florence, Alabama, and the surrounding communities in the Shoals area. The company handles applications for disability insurance policies, helping to explain coverage options that replace income if an injury or illness prevents work. It works with local clients to understand their specific employment situations and earnings. A typical job requires guiding an applicant through medical underwriting and policy details, then submitting the paperwork for approval.
Grier Insurance specializes in evaluating and securing disability income protection as a disability insurance agent in Florence, AL. The agency assists local professionals and business owners in creating coverage plans that maintain financial stability during periods of illness or injury. It regularly reviews existing policies to ensure they align with current income levels and lifestyle needs. During the spring tax season, it helps individuals reassess their coverage to account for annual income changes or new employment contracts.
Tyler Franks with COUNTRY Financial provides disability insurance services to residents and business owners in Florence, Alabama. For homeowners, policies are designed to replace a portion of income if injury or illness prevents work. Commercial clients can secure coverage to protect their business operations and key employees. The office serves the greater Florence area and surrounding communities. Between renewals or new policy consultations, clients often return to review changing needs and coverage adjustments at regular intervals.
Michael Noe - Nationwide Insurance provides services as a disability insurance agent in Florence, Alabama, helping clients protect their income against unexpected illness or injury. The agency works with individuals to select policies that replace lost wages during recovery periods. It also assists business owners in structuring coverage that supports ongoing operations. Commercial clients in settings such as offices, warehouses, and food service establishments can receive tailored guidance on their disability coverage needs.
What Does a a Disability Insurance Agent in Florence Cost?
Disability insurance premiums in Alabama typically range from 1% to 3% of your annual income. For a 40 year old earning 50000 per year, a policy might cost 500 to 1500 annually. Costs depend on your health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Florence
Disability insurance agents in Florence Alabama help individuals and businesses secure income protection. They guide clients through Alabama specific regulations and the unique needs of workers in the Shoals region. An agent can explain policy options and assist with claims to ensure you receive the benefits you deserve.
Frequently Asked Questions
What does a disability insurance agent in Florence do?
A disability insurance agent helps you choose a policy that fits your occupation and income. They explain coverage limits and waiting periods. In Alabama, agents must be licensed by the Alabama Department of Insurance.
How long do I have to file a disability claim in Alabama?
Alabama law does not set a specific time limit for filing a disability claim, but policies usually require prompt notice. Most contracts allow 30 to 90 days to submit proof of loss. Check your policy for exact deadlines.
Can an agent help if my claim is denied in Alabama?
Yes, an agent can review your denial and help you understand the reason. They can assist with gathering medical records and filing an appeal. Alabama law requires insurers to respond to appeals within 30 days.