The top-rated disability insurance agent in Louisville, Kentucky is Hyland Insurance, rated 4.9 stars across 230 reviews. Other highly rated options include Commonwealth Insurance Services, Schwartz Insurance Group, Louisville Kentucky Insurance. This directory lists 34 disability insurance agents serving Louisville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Hyland Insurance | 9750 Ormsby Station Rd Suite 200 | (502) 637-4733 |
| 2 | Commonwealth Insurance Services | 12000 Shelbyville Rd | (502) 813-5436 |
| 3 | Schwartz Insurance Group | 2950 Breckenridge Ln STE 8A | (502) 451-1111 |
| 4 | Louisville Kentucky Insurance | 6801 Dixie Hwy Unit 237 | (502) 447-3711 |
| 5 | Lincoln Insurance Agency | 214 Breckenridge Ln Suite 101 | (502) 897-3300 |
| 6 | Kentucky Shield Insurance | 8003 Shelbyville Rd | (502) 214-7092 |
| 7 | Brandt Davis Insurance | 2821 S Hurstbourne Pkwy STE 5 | (502) 499-6567 |
| 8 | Independent Agents of Kentucky | 806 Stone Creek Pkwy STE 1 | (502) 459-8880 |
| 9 | DICK WATTS INSURANCE | 12200 Shelbyville Rd #112 | (502) 245-3625 |
| 10 | Alan Hall Agency | 12305 Westport Rd STE 106 | (502) 715-1400 |
Hyland Insurance specializes in providing disability insurance agent services to residents of Louisville, KY. It assists individuals with understanding their coverage options for replacing income during periods of illness or injury. The company also guides clients through policy selection and the application process, focusing on personalized needs. For those in the area, it helps with navigating disability claims that may arise from unexpected seasonal accidents or short-term injuries sustained during winter months in Louisville.
Commonwealth Insurance Services provides residential disability insurance guidance to individuals in Louisville, Kentucky, helping them secure coverage for income protection. The company also assists small business owners in the area with commercial disability policies designed to safeguard their operations. Serving the Louisville metro region and surrounding communities, the agency works with clients to evaluate their specific needs for long-term financial security. After an initial consultation and policy placement, the agent can coordinate follow-up reviews between regular visits to ensure coverage remains aligned with changing circumstances.
Schwartz Insurance Group offers disability insurance services to residents in Louisville, Kentucky. The agency also provides commercial disability coverage for local businesses throughout the Jefferson County area. Practitioners in the metropolitan region consult with clients on income protection strategies tailored to individual and professional needs. Coverage options address short-term and long-term disability scenarios that may arise in various occupations. Clients often schedule follow-up sessions to review policy adjustments, and routine meetings between annual visits help ensure continued alignment with evolving financial situations.
Louisville Kentucky Insurance serves as a dedicated Disability Insurance Agent in the Louisville area. The company helps local residents and professionals navigate the process of securing income protection policies tailored to individual needs. It provides guidance on short-term and long-term disability coverage options, assisting clients with applications and policy comparisons. This service aims to safeguard earnings against unexpected illness or injury. Additionally, the agency can help clients evaluate supplemental accident insurance add-ons, offering an extra layer of financial security beyond standard disability plans.
Lincoln Insurance Agency provides disability insurance agent services to individuals and businesses in Louisville, Kentucky. It offers disability income protection planning and helps clients evaluate coverage options to safeguard earnings if illness or injury prevents work. The agency also assists with periodic policy reviews and adjustments to match changing financial needs. Its client base includes single-family homeowners, apartment dwellers, retail professionals, and workers in restaurants.
Kentucky Shield Insurance serves the Louisville, Kentucky metro area and surrounding communities, specializing in disability insurance agency services. The company helps individuals secure financial protection through policies designed to replace income lost due to illness or injury. As a local agency, it guides clients through the complexities of coverage options, tailoring plans to fit different professional needs and personal budgets. Kentucky Shield Insurance handles applications for both short-term and long-term disability policies, offering essential support for income security.
Brandt Davis Insurance serves homeowners, businesses, and property managers in Louisville, Kentucky, providing disability insurance agent services to protect income and financial stability. The agency helps clients select individual and group disability policies that replace a portion of lost earnings during illness or injury. Each policy is tailored to the specific occupation and risk profile of the applicant, with clear terms and benefit periods explained fully. The firm also extends its coverage and consultation services to clients in the neighboring communities of Jeffersontown and Fern Creek within the Louisville metropolitan area.
Independent Agents of Kentucky serves clients in Louisville by offering both one-time disability insurance evaluations and recurring policy reviews to adapt to changing needs. Coverage options focus on protecting income against illness or injury, ensuring financial stability during unexpected health setbacks. The agency provides personalized guidance through the application process and helps compare plans from multiple carriers. Consultation and service arrangements are available on a one-time, scheduled, or as-needed basis to accommodate individual preferences and life circumstances without requiring ongoing commitments.
Dick Watts Insurance serves Louisville, Kentucky and the surrounding communities by offering disability insurance agent services. The company handles individual disability income policies designed to replace a portion of lost wages due to illness or injury. It also addresses group coverage options for local professionals and small businesses needing employee protection. To handle a typical job, it first reviews a client’s occupation and income level, then compares policy provisions from multiple carriers to match benefit periods and elimination periods with the client’s specific financial needs.
Specializing in disability insurance protection, Alan Hall Agency guides Louisville residents through the complex process of securing income replacement policies. It helps clients evaluate individual and employer-sponsored coverage options to safeguard their financial stability against illness or injury. The agency’s general service work involves reviewing existing plans and recommending appropriate adjustments for changing circumstances. For professionals approaching peak earning years or recovering from a recent health scare, it addresses the urgent need to lock in coverage before medical conditions become exclusions.
What Does a a Disability Insurance Agent in Louisville Cost?
Disability insurance agent services in Kentucky typically cost nothing upfront as agents earn commission from the insurance carrier. Policy premiums vary widely from 1% to 3% of your annual income for short-term coverage and 1% to 4% for long-term coverage. For a 50,000 dollar annual income a policy might cost 500 to 2,000 dollars per year. Costs depend on your age occupation health status and benefit terms. This is general information not insurance advice.
About disability insurance agents in Louisville
Disability insurance agents in Louisville Kentucky help individuals and businesses secure income protection. Kentucky law requires certain policies to include a 30-day grace period for premium payments. Local agents understand the specific needs of workers in the Louisville area including healthcare and manufacturing sectors.
Frequently Asked Questions
What does a disability insurance agent in Louisville do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and coverage options. They do not provide legal advice but can help you understand policy terms.
How do I choose a disability insurance agent in Kentucky?
Look for an agent licensed in Kentucky with experience in disability coverage. Ask about their knowledge of Kentucky insurance regulations and the state insurance department. Verify their license through the Kentucky Department of Insurance website.
Are disability insurance benefits taxable in Kentucky?
If you pay premiums with after-tax dollars benefits are generally tax-free. If your employer pays premiums benefits are usually taxable as income. Kentucky follows federal tax rules for disability insurance benefits.
Disability Insurance Agents in Other Kentucky Cities
Bowling Green · Elizabethtown · Florence · Frankfort · Georgetown · Henderson · Hopkinsville · La Grange · Lexington · Nicholasville · Owensboro · Paducah · Richmond