The top-rated disability insurance agent in Florence, Kentucky is Rollins Insurance, rated 5.0 stars across 611 reviews. Other highly rated options include Broker Brothers & Co., Matt Estes - State Farm Insurance Agent, Randy Watkins at Comparion Insurance Agency. This directory lists 24 disability insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rollins Insurance | 7000 Houston Rd STE 8 | (859) 781-7283 |
| 2 | Broker Brothers & Co. | 1521 Cavalry Dr Ste 201 | (859) 207-7738 |
| 3 | Matt Estes - State Farm Insurance Agent | 7500 Oakbrook Dr Ste 2-3 | (859) 869-2033 |
| 4 | Randy Watkins at Comparion Insurance Agency | Executive Center, 500 Meijer Dr #207 | (859) 594-6697 |
| 5 | Bob Boswell Jr - State Farm Insurance Agent | 8162 Mall Rd | (859) 525-1460 |
| 6 | AAA Florence | 8711 US-42 | (859) 525-1690 |
| 7 | Amber Ison at Comparion Insurance Agency | Executive Center, 500 Meijer Dr #207 | (859) 594-6690 |
| 8 | C.K. Ash Insurance | 8620 US-42 | (859) 384-5200 |
| 9 | Shepherd Insurance | 234 Main St | (859) 371-7006 |
| 10 | Comparion Insurance Agency | Executive Center, 500 Meijer Dr #207 | (859) 371-0440 |
Rollins Insurance serves the Florence, Kentucky area and the broader Boone County region as a disability insurance agent. The company helps clients understand and secure coverage that replaces income if an illness or injury prevents them from working. It focuses on explaining policy details such as benefit periods, elimination periods, and occupation-specific definitions. Work with this agent includes evaluating both short-term and long-term disability insurance plans to match individual financial needs.
Broker Brothers & Co. serves clients in Florence, Kentucky, and the surrounding communities in Boone County. The agency handles applications for disability insurance policies designed to replace lost income during periods of illness or injury. It focuses on presenting suitable policy options from multiple insurers to address individual employment and financial circumstances. For a typical job, the agency first reviews a client’s occupation and earnings, then compares carrier terms before submitting the necessary paperwork.
Matt Estes - State Farm Insurance Agent in Florence, KY offers disability insurance services to help protect individuals against loss of income due to illness or injury. The agency provides ongoing support and policy reviews to ensure coverage remains aligned with changing needs. Each application is evaluated to match clients with suitable plans. Their services include guiding clients through claims processes and adjusting policies as circumstances evolve. The company serves a range of property types, including single-family homes, apartments, retail locations, and restaurants.
Randy Watkins at Comparion Insurance Agency in Florence, KY, specializes in matching individuals with disability insurance policies that replace a portion of income if injury or illness prevents work. The agency also advises clients on policy options and coverage levels suited to different professions and financial obligations. It assists local residents during periods of open enrollment or when employment changes suddenly raise questions about existing protections.
Bob Boswell Jr - State Farm Insurance Agent in Florence, KY, distinguishes personal disability coverage by offering both one-time policy purchases and recurring service arrangements through a local agency. This office assists clients in securing income protection against unforeseen illness or injury that prevents work. Coverage can be tailored to replace a portion of earned wages, providing financial stability during a period of recovery. Service for policyholders is conducted on an as-needed basis, addressing questions or claims as they arise.
Homeowners, businesses, and property managers in Florence, Kentucky turn to AAA Florence for disability insurance agent services, helping them understand how income protection policies can replace lost wages if an injury or illness prevents work. The company guides clients through available coverage options so they can maintain financial stability during a recovery period. It also serves nearby communities in the Boone County area and parts of the greater Cincinnati metro.
Amber Ison at Comparion Insurance Agency provides disability insurance services to residents in Florence, Kentucky. Commercial coverage is also available for local businesses seeking employee protection. The service area includes Florence and surrounding communities within Boone County. Policies are tailored to replace a portion of income if injury or illness prevents work. Clients can follow up easily between regular visits when adjustments to coverage are needed due to changes in employment or health status.
C.K. Ash Insurance works with individuals and businesses across the Florence, KY area to address financial protection needs, with a specific specialty in disability insurance agent services. The agency focuses on helping clients secure income replacement coverage designed to support them if injury or illness prevents them from working. Their approach involves assessing various policy options to match different professional circumstances and budget considerations. This local service can assist commercial sectors including offices, warehouses, and food service operations.
Shepherd Insurance in Florence, KY is known for helping individuals secure disability insurance to protect their income. The company serves clients by explaining policy options and guiding them through the application process for short-term and long-term coverage. Its agents assess personal financial risks and recommend appropriate plans based on occupation and lifestyle needs. A specialty service it can add on is offering assistance with Social Security disability claims coordination.
As residents of Florence begin planning for the coming year’s family budget, the need to protect household income against a sudden illness or injury becomes a real concern. Comparion Insurance Agency addresses this need by helping local workers navigate disability insurance options. Their agents explain the differences between short-term and long-term coverage, tailoring plans to fit both occupational duties and personal financial responsibilities. An initial phone consultation or office assessment is typically scheduled to review current earnings and specific policy preferences.
What Does a a Disability Insurance Agent in Florence Cost?
The cost of disability insurance in Kentucky typically ranges from 1% to 3% of your annual income for individual policies. For example, a 35-year-old earning $50,000 per year might pay between $500 and $1,500 annually for a policy with a 90-day waiting period. Group policies through employers are often less expensive. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Florence
Disability insurance agents in Florence, Kentucky help individuals and businesses find coverage that meets their needs. Kentucky law requires certain policies to include specific provisions, such as a 30-day grace period for premium payments. Local agents can guide you through policy options and assist with claims for short-term or long-term disability benefits.
Frequently Asked Questions
What does a disability insurance agent in Florence do?
A disability insurance agent helps you compare policies from different carriers and explains coverage details. They can also assist with filing claims and understanding Kentucky-specific policy requirements.
Are disability insurance benefits taxable in Kentucky?
Disability insurance benefits are generally not taxable in Kentucky if you paid the premiums with after-tax dollars. If your employer paid the premiums, benefits may be subject to state income tax.
How long do I have to file a disability claim in Kentucky?
Kentucky does not set a specific statute of limitations for disability insurance claims, but most policies require you to notify the insurer within 20 to 30 days of the disability. Check your policy for exact deadlines.
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