The top-rated disability insurance agent in Paducah, Kentucky is Shane Andrus - State Farm Insurance Agent, rated 4.9 stars across 579 reviews. Other highly rated options include Shelter Insurance - Brian Meadows, Hibbs Insurance Agency, Inc., Bradshaw & Weil, Inc.. This directory lists 20 disability insurance agents serving Paducah.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shane Andrus - State Farm Insurance Agent | 5160 Hinkleville Rd | (270) 443-4002 |
| 2 | Shelter Insurance - Brian Meadows | 3160 Parisa Dr #140 | (270) 443-5900 |
| 3 | Hibbs Insurance Agency, Inc. | 3124 Lone Oak Rd | (270) 554-2105 |
| 4 | Bradshaw & Weil, Inc. | 630 Jefferson St | (270) 444-7291 |
| 5 | Shelter Insurance - Tessa Brown | 3210 Lone Oak Rd | (270) 554-3731 |
| 6 | Insurance of Paducah | 2517 Jackson St | (270) 442-6137 |
| 7 | Lightwell Insurance Advisors of Kentucky LLC | 314 Broadway St #200 | (855) 853-4765 |
| 8 | Kentucky Farm Bureau Insurance | 5470 US-60 | (270) 444-8400 |
| 9 | Shelter Insurance - Toby Boone | 334 Harrison St | (270) 443-0211 |
| 10 | Austin Insurance | 105 County Park Rd | (364) 219-0115 |
Shane Andrus - State Farm Insurance Agent serves Paducah, Kentucky and the surrounding McCracken County area as a disability insurance agent. The agency works with local residents to secure financial protection that replaces a portion of their income if an illness or injury prevents them from working. Policyholders receive guidance in selecting coverage tailored to their occupation and lifestyle needs. Shane Andrus specifically handles both short-term disability insurance for temporary conditions and long-term disability insurance for extended absences from work.
Shelter Insurance - Brian Meadows provides disability insurance agent services in Paducah, Kentucky, offering guidance on coverage options for income protection. The agent assists with initial plan selection and enrollment, then supports clients through ongoing policy reviews and adjustments as needs change. This service helps individuals prepare for potential loss of income due to illness or injury. The agent serves single-family homeowners and renters, apartment dwellers, and small retail businesses as well as restaurants, ensuring they have tailored disability insurance solutions.
Hibbs Insurance Agency, Inc. serves individuals and families in Paducah, Kentucky seeking specialized disability insurance coverage. The agency helps clients understand how disability income policies can protect their earnings if illness or injury prevents them from working. It assists with policy selection and application details tailored to each customer’s occupation and budget. The agency also provides guidance on benefit period options and elimination periods. Its professional services extend to clients throughout the greater western Kentucky area, including the nearby community of Mayfield.
Bradshaw & Weil, Inc., serves the Paducah, Kentucky, area and surrounding communities, handling disability insurance for local professionals and employees. The company focuses exclusively on protecting clients’ income when illness or injury prevents them from working. It guides individuals through policy options, explaining coverage limits and waiting periods in clear terms. For a typical case, it assesses the client’s occupation, income, and health history in order to recommend a suitable plan with appropriate elimination periods and benefit durations.
For ongoing financial protection, clients can choose a recurring disability insurance policy, while those covering a specific project may prefer a single-term plan. Both options help replace income if injury or illness prevents work. Shelter Insurance - Tessa Brown advises Paducah residents on choosing the appropriate coverage structure for their needs. This local agency’s service runs on a scheduled or as-needed basis, depending on how clients prefer to manage their policy reviews and updates.
Insurance of Paducah focuses on disability insurance agent services, helping clients secure coverage that replaces a portion of income if an injury or illness prevents them from working. The agent guides individuals and local businesses through policy options tailored to different occupations and income levels. General support includes explaining benefit terms, waiting periods, and plan features. In Paducah, Kentucky, this work proves especially valuable when seasonal flooding or severe weather risks interrupt employment, requiring a financial bridge during recovery periods.
Lightwell Insurance Advisors of Kentucky LLC assists individuals and businesses in Paducah with securing disability income protection. The agency focuses on helping clients prepare for the financial impact of a potential illness or injury that prevents work. By specializing in disability insurance, it offers tailored coverage options for local professionals and companies needing income replacement solutions. Its services extend to commercial sectors such as offices, warehouses, and food service operations, ensuring varied businesses can address their unique risk management needs.
Kentucky Farm Insurance serves the Paducah, Kentucky area as a disability insurance agent. Protecting income from unexpected illness or injury, the agency helps clients evaluate policies that provide a portion of their earnings during recovery periods. Local benefits are tailored to cover short-term and long-term disability scenarios effectively. This firm assists residents in selecting policies that match their occupation and income needs. It specifically handles individual disability income policies and group coverage for small employers.
Shelter Insurance - Toby Boone provides disability insurance agent services in the Paducah, Kentucky area. The agency assists clients in understanding and securing disability coverage designed to replace a portion of income if an illness or injury prevents them from working. Its approach focuses on helping individuals assess their personal risk and explore policy options that align with their financial needs. Ongoing support typically includes policy reviews and guidance through the claims process. The company serves single-family homeowners, renters in apartment complexes, retail shop owners, and operators of local restaurants.
When a change in health or career leaves Paducah residents uncertain about protecting their income, Austin Insurance helps workers understand disability insurance policies that can replace a portion of lost wages. The company evaluates each client’s occupation and financial obligations to tailor coverage options for local needs. An initial assessment typically begins with a review of the individual’s current earnings and any existing employer benefits.
What Does a a Disability Insurance Agent in Paducah Cost?
Disability insurance agent services in Kentucky typically do not charge a separate fee. Agents earn commissions from the insurance carrier, usually 40 to 80 percent of the first years premium and 5 to 10 percent on renewals. Policy premiums vary widely based on age, occupation, and benefit amount. For a 35-year-old office worker, a policy might cost 1 to 3 percent of annual income. This is general information and not insurance advice.
About disability insurance agents in Paducah
A disability insurance agent in Paducah Kentucky helps individuals and businesses secure income protection. Kentucky law requires certain policy disclosures and sets time limits for filing claims. Local agents can guide you through group and individual disability plans that meet your needs.
Frequently Asked Questions
What does a disability insurance agent in Paducah do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options and assist with applications. They do not provide legal advice but can help you understand policy terms.
Are there Kentucky laws that affect disability insurance claims?
Yes. Kentucky Revised Statutes Section 304.18-110 requires insurers to respond to claims within 30 days. Kentucky also has a two-year contestability period for disability policies. An agent can explain how these rules apply to your policy.
How do I choose a disability insurance agent in Paducah?
Look for an agent licensed in Kentucky with experience in disability coverage. Ask about the carriers they represent and their knowledge of local medical providers. A good agent will explain policy exclusions and waiting periods clearly.
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