The top-rated disability insurance agent in Owensboro, Kentucky is Elevate Insurance Agency Inc, rated 5.0 stars across 73 reviews. Other highly rated options include EM Ford Insurance & Financial Planning, WD Insurance, AAA Owensboro Insurance and Member Services. This directory lists 20 disability insurance agents serving Owensboro.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elevate Insurance Agency Inc | 3118 Alvey Park Dr E Ste 4 | (270) 682-0001 |
| 2 | EM Ford Insurance & Financial Planning | 600 Frederica St | (270) 926-2806 |
| 3 | WD Insurance | 2410 W Parrish Ave | (270) 240-2268 |
| 4 | AAA Owensboro Insurance and Member Services | 1600 Frederica St | (270) 683-8034 |
| 5 | River City Insurance Agency | 800 Frederica St | (270) 216-8975 |
| 6 | Affordable Care Health Insurance LLC | 2824 Farrell Crescent | (270) 684-3711 |
| 7 | Neely Insurance Agency LLC | 2120 Frederica St | (270) 213-6394 |
| 8 | Lawton Insurance of Owensboro | 200 E 3rd St Suite 101 | (270) 685-5124 |
| 9 | Maddox Insurance Group | 2803 Veach Rd | (270) 485-2159 |
| 10 | Growth Insurance KY | 511 Frederica St | (270) 216-3294 |
Elevate Insurance Agency Inc serves the Owensboro, Kentucky area as a disability insurance agent. The company focuses on helping local residents and professionals secure income protection against unexpected illnesses or injuries. Disability insurance agents in this region assist clients in understanding policy options that replace a portion of lost wages during recovery. Elevate Insurance Agency Inc handles both short-term and long-term disability insurance policies for individuals and small businesses in Owensboro.
EM Ford Insurance & Financial Planning offers a range of disability insurance agent services in the Owensboro, KY area. The firm assists clients in understanding policy options and coordinates with insurers to secure coverage for income protection. Regular policy reviews help ensure plans align with changing financial situations. It serves individuals and business owners across various property types, including single-family homes, apartments, retail spaces, and restaurants.
WD Insurance serves Owensboro and the surrounding communities in western Kentucky, offering disability insurance agent services to local residents. The agency assists clients with navigating disability coverage options to protect their income in case of illness or injury. Typical work involves explaining policy terms and helping individuals choose appropriate plans based on their personal needs and employment situations. To handle a typical job, WD Insurance starts by assessing a client’s current coverage and financial obligations before presenting tailored plan comparisons.
AAA Owensboro Insurance and Member Services helps homeowners and businesses in Owensboro, KY secure protection against lost income due to injury or illness. This disability insurance agent assists property managers in finding policies that replace a portion of earnings during recovery. Clients receive guidance on choosing plans tailored to individual employment situations. The agency also serves customers in Henderson, ensuring broader regional access to essential income replacement coverage.
River City Insurance Agency in Owensboro, KY assists clients in weighing one‑time disability policies against renewable coverage that continues year after year. The core work involves explaining how lost income from illness or injury can be partially replaced, whether through an individual short‑term, long‑term, or group plan. They guide customers through application paperwork and policy terms so choices are understood. Service is available on a scheduled‑appointment basis to allow thorough consultations for each situation.
During seasonal shifts or employment changes in Owensboro, residents often need guidance on disability insurance options to protect their income. Affordable Care Health Insurance LLC serves as a disability insurance agent, helping local workers understand and select appropriate coverage for unexpected medical leaves or injuries. The company focuses on explaining policy terms clearly. The process typically begins with an initial assessment of the applicant’s current employment situation and coverage needs during a scheduled consultation.
Neely Insurance Agency LLC assists clients in the Owensboro, Kentucky, area with planning for income protection. As a disability insurance agent, the firm focuses on policies that replace a portion of earned income if an individual becomes unable to work due to injury or illness. The agency works with professionals seeking supplemental coverage for their specific employment situations. It serves a range of commercial sectors, including offices, warehouses, and food service operations.
Lawton Insurance of Owensboro specializes in helping individuals navigate disability insurance options, offering personalized guidance on policies to protect income in the event of illness or injury. It assists clients across the region by evaluating coverage needs for both short-term and long-term protection. In addition to policy selection, it supports claims-related questions and coverage adjustments as life circumstances change. With the end of the calendar year approaching, the agency helps employed and self-employed workers review their existing disability coverage for any necessary updates.
Maddox Insurance Group provides residential disability insurance in Owensboro, KY, ensuring homeowners have coverage for potential income loss. The agency also offers commercial policies designed to protect local business owners from financial disruption. Their service area encompasses Owensboro and nearby communities throughout Daviess County. Clients receive help understanding policy details and coverage limits for their specific needs. The team arranges subsequent follow-up appointments to review any policy adjustments required before periodic service visits resume.
What Does a a Disability Insurance Agent in Owensboro Cost?
The cost of disability insurance in Kentucky typically ranges from 1 percent to 3 percent of your annual income for a policy that covers 60 percent of your salary. For example, a person earning 50000 per year might pay between 500 and 1500 annually. Premiums vary based on age, health, occupation, and policy features. This is general information and not insurance advice.
About disability insurance agents in Owensboro
Disability insurance agents in Owensboro, Kentucky help individuals and businesses secure income protection policies. Kentucky law requires agents to be licensed by the Kentucky Department of Insurance. Local agents can guide you through policy options that comply with Kentucky insurance regulations.
Frequently Asked Questions
What does a disability insurance agent in Owensboro do?
A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you become unable to work. They explain policy terms, compare options from different carriers, and assist with the application process. In Kentucky, agents must follow state insurance laws and disclose policy details clearly.
How do I choose a disability insurance agent in Owensboro?
Look for an agent licensed in Kentucky with experience in disability coverage. Check their credentials and ask about their familiarity with Kentucky insurance regulations. You can verify an agents license through the Kentucky Department of Insurance website.
Are there Kentucky specific rules for disability insurance policies?
Yes. Kentucky insurance law sets standards for policy provisions, including definitions of disability and benefit periods. The state also has a 2 year contestability period for most policies. Agents must comply with these rules when selling policies in Owensboro.
Disability Insurance Agents in Other Kentucky Cities
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