The top-rated disability insurance agent in Gallatin, Tennessee is Gaffney Insurance Agency & Financial Services LLC, rated 4.9 stars across 196 reviews. Other highly rated options include Johnson Family Insurance, Farmers Insurance - Elizabeth Hobdy Jones, Larry Maynard: Allstate Insurance. This directory lists 20 disability insurance agents serving Gallatin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gaffney Insurance Agency & Financial Services LLC | 180 Belvedere Dr N STE 11 | (615) 452-5588 |
| 2 | Johnson Family Insurance | 1517 Hunt Club Blvd Suite 100 | (615) 420-6410 |
| 3 | Farmers Insurance - Elizabeth Hobdy Jones | 402 Maple St | (615) 452-7037 |
| 4 | Larry Maynard: Allstate Insurance | 208 N Locust Ave | (615) 452-1500 |
| 5 | George & George Disability Attorneys | 665 Nashville Pike | (615) 451-1550 |
| 6 | Lee Raines Insurance Agency | 819 N Water Ave | (615) 452-5833 |
| 7 | Defender Insurance LLC | 170 W Franklin St | (615) 490-4932 |
| 8 | Shelter Insurance - Jacob Long | 341 Hancock St Ste 2 | (615) 461-7352 |
| 9 | RW Insurance & Financial Services | 106 Public Square #210 | (615) 988-7878 |
| 10 | Fast Insurance TN | 135 W Eastland Ave #200 | (615) 657-7609 |
Gaffney Insurance Agency & Financial Services LLC serves Gallatin and surrounding Sumner County, Tennessee, as a disability insurance agent. The firm assists clients in securing coverage designed to replace income if an illness or injury prevents them from working. It guides individuals through plan selection, tailored to their occupation and income needs. Services include evaluating short-term disability policies and long-term disability protection plans for local professionals and small business owners.
Johnson Family Insurance provides disability insurance services in the Gallatin, Tennessee area, helping clients navigate disability income protection to safeguard their earnings in case of illness or injury. Its plans focus on supporting professionals through periods of short-term or long-term disability, ensuring continuation of financial stability. The agency serves a range of local residential and commercial clients, including single-family homes, apartment complexes, retail spaces, and restaurants.
Serving homeowners, business owners, and property managers in Gallatin, TN, this local Farmers Insurance agency helps clients secure disability insurance policies. These plans are designed to replace a portion of lost income if an injury or illness prevents someone from working. The agency works with individuals to match coverage to their specific financial situations and household budgets. It also serves nearby communities within the Hendersonville metropolitan area, offering guidance on protecting personal income from unexpected health setbacks.
Larry Maynard: Allstate Insurance serves the Gallatin, Tennessee area and surrounding communities, providing services as a disability insurance agent. The work involves helping local residents evaluate coverage to protect their income if illness or injury prevents them from working. Each case is assessed individually, focusing on matching policy options to the client’s specific occupation and financial responsibilities. The agency follows a straightforward approach by first gathering details on the client’s current employment and income needs before reviewing available plans.
George & George Disability Attorneys in Gallatin, TN helps clients understand the difference between one-time disability claim filings and ongoing policy management services. The agents guide applicants through initial insurance enrollment alongside periodic benefit reviews and plan adjustments as circumstances change. Coverage options may require a single application or involve continuous oversight to maintain eligibility for both short-term and long-term disability protections. This local firm structures its services to operate on a scheduled, as-needed basis rather than providing only a single consultation.
As a disability insurance agent in Gallatin, TN, Lee Raines Insurance Agency offers services focused on individual disability income policies to protect earnings. The company generally helps clients assess personal risk factors and compare coverage options from various providers. It works with self-employed professionals and those in standard employment to design plans that replace lost income during illness or injury. As the new year begins, the agency particularly assists gig workers in establishing continuous coverage during fluctuating income periods.
As the seasons change and unpredictable health events can disrupt a steady paycheck, many Gallatin residents seek reliable income protection. Defender Insurance LLC serves this local need as a disability insurance agent, guiding clients through policy options tailored for self-employed individuals and small businesses. They explain how short-term and long-term coverage can replace lost earnings during recovery from injury or illness. An initial consultation involves a personal needs assessment to evaluate current coverage gaps and projected expenses.
Shelter Insurance - Jacob Long serves clients in Gallatin, Tennessee, as a local provider of disability insurance coverage. The agency focuses on helping individuals protect their income against unforeseen injuries or illnesses that prevent work. Policies are designed to replace a portion of lost wages, providing financial stability during recovery periods. Commercial clients can be served across various sectors, including offices requiring clerical protection, warehouses needing employee income safeguards, and food service businesses for their staff.
RW Insurance & Financial Services serves residential clients in Gallatin, TN, by providing disability insurance coverage designed to protect personal income. The company also assists commercial clients in the surrounding areas, offering similar protection for business owners and their employees. These policies help replace lost earnings if a disability prevents work. After an initial policy is established, the company follows up between regular visits to review coverage needs and update plans as circumstances change, ensuring continued financial protection for their clients.
What Does a a Disability Insurance Agent in Gallatin Cost?
The cost of disability insurance in Tennessee varies based on age, health, occupation, and benefit amount. Typical premiums for an individual policy range from 1% to 3% of your annual income. For a 35 year old in a low-risk job, a policy might cost $50 to $150 per month. Costs are higher for older applicants or those in physically demanding jobs. This is general information, not insurance advice.
About disability insurance agents in Gallatin
Disability insurance agents in Gallatin, Tennessee help individuals and businesses find coverage that meets their needs. Tennessee law does not require private disability insurance, but many workers rely on employer-sponsored plans or individual policies. Local agents can guide you through policy options and assist with claims under Tennessee insurance regulations.
Frequently Asked Questions
What does a disability insurance agent in Gallatin do?
A disability insurance agent helps you find a policy that replaces part of your income if you cannot work due to illness or injury. They explain policy terms, compare plans from different insurers, and assist with applications. In Tennessee, agents must be licensed by the Tennessee Department of Commerce and Insurance.
How long do I have to file a disability claim in Tennessee?
Tennessee does not set a specific time limit for filing private disability claims, but policies usually require prompt notice. Most policies have a 30 to 90 day deadline to submit a claim. Check your policy for exact timeframes to avoid losing benefits.
Are disability insurance benefits taxable in Tennessee?
Tennessee has no state income tax, so disability benefits are not taxed at the state level. However, federal tax rules apply. If you paid premiums with after-tax dollars, benefits are generally tax-free. If your employer paid premiums, benefits may be taxable as income.
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