The top-rated disability insurance agent in Trussville, Alabama is The Grogan Agency, Inc., rated 4.9 stars across 91 reviews. Other highly rated options include Cindy Stuman: Allstate Insurance, Steve Frantz - State Farm Insurance Agent, Huffstutler Insurance Group, Inc.. This directory lists 12 disability insurance agents serving Trussville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Grogan Agency, Inc. | 7018 Gadsden Hwy #120 | (205) 661-9393 |
| 2 | Cindy Stuman: Allstate Insurance | 8170 Gadsden Hwy # 100 | (205) 508-3408 |
| 3 | Steve Frantz - State Farm Insurance Agent | 112 N Chalkville Rd | (205) 661-0221 |
| 4 | Huffstutler Insurance Group, Inc. | 204 Main St Suite 122 | (205) 661-8089 |
| 5 | Cahaba Insurance Agency | 11 Office Park | (205) 655-4626 |
| 6 | Bobby McLaughlin: Allstate Insurance | 800 Watterson Curve # 102 | (205) 833-8888 |
| 7 | Guardian Elite Insurance | 101 Beech St | (205) 433-5162 |
| 8 | Nationwide Insurance: Stanley Quinn Wormely | 235 Main St Ste 103 | (205) 836-4466 |
| 9 | Alfa Insurance - Brian Bozeman Agency | 105 Kay Ave | (205) 655-1688 |
| 10 | Cahaba Strategies | 4244 Cahaba Bend | (205) 837-5398 |
The Grogan Agency, Inc. serves the greater Birmingham metro area from its office in Trussville, AL, providing disability insurance services to local residents. This agency helps individuals obtain coverage that protects their income if an injury or illness prevents them from working. It also assists businesses with group disability plans to safeguard their employees’ financial stability. The agency handles both short-term and long-term disability insurance policies.
Cindy Stuman: Allstate Insurance provides disability insurance agent services to clients in Trussville, Alabama, helping individuals secure income protection plans. The company offers routine policy reviews and claims support to ensure coverage remains aligned with changing needs. These services assist clients in maintaining financial stability during periods of temporary or permanent disability. Cindy Stuman: Allstate Insurance serves single-family homes, apartments, retail, and restaurants in the local area.
Homeowners and small businesses in Trussville, AL, rely on Steve Frantz as their local disability insurance agent for coverage options that help protect income during illness or injury. This agency assists clients by explaining policy details and guiding them through the application process for disability protection tailored to individual needs. Service also extends to neighboring communities throughout the greater Birmingham metro area.
Huffstutler Insurance Group, Inc. serves Trussville, AL, and the surrounding Birmingham-area communities, handling disability insurance for local residents and professionals. The agency focuses on income protection policies that replace a portion of earnings when an individual cannot work due to illness or injury. It addresses both short-term and long-term coverage needs for self-employed clients and small business owners. Using a fact-finding conversation to assess each client’s occupation and monthly expenses, it customizes plan options to match individual budgets and risk tolerance.
Cahaba Insurance Agency in Trussville, AL, assists clients in distinguishing between a one-time policy, which covers a single disability event, and a recurring benefit structure that provides ongoing income replacement during a period of incapacity. Coverage options typically address short-term earnings loss or long-term financial stability depending on individual needs. The agency also guides businesses in understanding group versus individual policies. Service runs on a scheduled basis to accommodate policy reviews and application timelines.
Bobby McLaughlin: Allstate Insurance in Trussville, AL provides disability insurance agent services focused on helping clients select income replacement policies that protect against lost wages due to injury or illness. The agency also works with local residents on general insurance needs. This guidance is particularly valuable during seasonal changes when outdoor activities increase, as the associated risks of accidents from yard work or recreation can temporarily take individuals away from their jobs.
As the seasons change in Trussville, many workers consider how an unexpected injury or illness could affect their income, and Guardian Elite Insurance addresses this concern by offering personalized disability policies designed to replace lost wages during recovery. The company helps clients understand policy options such as coverage amounts and elimination periods so they can maintain financial stability. An initial consultation involves reviewing current earnings and occupation-specific risks to determine suitable plan features for each individual.
Nationwide Insurance through Stanley Quinn Wormely assists individuals and businesses in Trussville, AL with securing income protection plans. The agency specializes in disability insurance, which provides financial support if a policyholder becomes unable to work due to illness or injury. This coverage helps replace a portion of lost wages during recovery. The agency serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Alfa Insurance - Brian Bozeman Agency serves Trussville, AL residents by helping them secure disability insurance policies that protect personal income if injury or illness prevents work. The agency also offers commercial disability coverage for local businesses seeking to safeguard their operations and key employees. Their service area extends throughout the Trussville region, including surrounding communities within Jefferson County. Clients can expect thorough follow-up when filing claims or adjusting their coverage between regular annual policy reviews to match changing needs.
Cahaba Strategies is a local disability insurance agent based in Trussville, AL, known for helping individuals and businesses secure income protection. The agency guides clients through policy options ranging from short-term and long-term disability coverage to the specialized risks of self-employment. Its service area covers Trussville and the surrounding central Alabama communities. Understanding that each client’s situation requires personalized analysis, the agent works directly with carriers to find suitable plans. As an added service, it can also conduct a needs review for future insurability riders.
What Does a a Disability Insurance Agent in Trussville Cost?
The cost of disability insurance in Alabama typically ranges from 1% to 3% of your annual income. For example, a policy for a 40-year-old earning 50,000 dollars per year might cost between 500 and 1,500 dollars annually. Premiums vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Trussville
A disability insurance agent in Trussville, Alabama can help you understand your policy options and file claims. Alabama law requires agents to be licensed by the Alabama Department of Insurance. Local agents know the specific needs of workers in Birmingham and the surrounding Jefferson County area.
Frequently Asked Questions
What does a disability insurance agent in Trussville do?
A disability insurance agent helps you choose a policy that fits your income and occupation. They also assist with claim forms and explain policy terms. Agents in Alabama must follow state insurance regulations and disclose policy details clearly.
How do I choose a disability insurance agent in Trussville?
Look for an agent licensed in Alabama with experience in disability coverage. Ask about their knowledge of Alabama insurance laws and how they handle claims. You can verify a license through the Alabama Department of Insurance website.
Are there time limits for filing a disability claim in Alabama?
Yes, Alabama insurance policies often have specific time limits for filing a claim. These limits are usually stated in the policy contract. It is important to notify your agent and the insurance company as soon as you become disabled.