The top-rated disability insurance agent in Hendersonville, Tennessee is Shrum Insurance Services, rated 5.0 stars across 221 reviews. Other highly rated options include Chris Florek Insurance Agency, Melissa French: Allstate Insurance, William Styles - COUNTRY Financial Agent. This directory lists 20 disability insurance agents serving Hendersonville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shrum Insurance Services | 132 Maple Row Blvd Suite 610 | (615) 822-7680 |
| 2 | Chris Florek Insurance Agency | 260 W Main St ste 110-c | (615) 431-2886 |
| 3 | Melissa French: Allstate Insurance | 105 Bluegrass Commons Blvd Ste A | (615) 338-4500 |
| 4 | William Styles - COUNTRY Financial Agent | 102 Hazel Path # 2 | (615) 824-7020 |
| 5 | Martinek Insurance Services a division of Southern Insurance Group LLC | 394 W Main St B5 | (615) 824-7577 |
| 6 | Williamson Insurance & Investments LLC | 133 Indian Lake Rd STE 101 | (615) 826-3313 |
| 7 | Hicks Watson Insurance Agency | 139 Maple Row Blvd STE 200 | (615) 824-8869 |
| 8 | Lawson Insurance Services | 115 Hazel Path Suite #4 | (615) 431-2289 |
| 9 | Shelter Insurance - Randy Swayze | 107 Imperial Blvd Ste 4 | (615) 432-2111 |
| 10 | Ingram Insurance Agency | 105 Glen Oak Blvd #200 | (615) 675-5154 |
Shrum Insurance Services serves the Hendersonville, Tennessee, area and surrounding Sumner County as a disability insurance agency. Its primary focus is assisting individuals and businesses in securing income protection through private disability policies. The company guides clients through plan selection based on occupation, income level, and budget. Policy types such as short-term disability for temporary coverage and long-term disability for extended income replacement are commonly handled by this local agent.
Chris Florek Insurance Agency offers disability insurance agent services to the Hendersonville, Tennessee area, helping individuals and business owners secure income protection plans in the event of an injury or illness. Its ongoing service plans include policy reviews and claims assistance to ensure coverage remains aligned with changing needs. The agency services single-family homes, apartments, retail, and restaurants.
Melissa French: Allstate Insurance serves homeowners, businesses, and property managers in the Hendersonville area with reliable disability insurance agent services. This agency helps clients understand policy options that provide income protection if they become unable to work due to illness or injury. They guide customers through the process of selecting coverage that fits individual needs and budgets. The agency also extends its services to the greater Gallatin area, offering the same personalized assistance to residents and business owners in that neighboring community.
William Styles - COUNTRY Financial Agent serves the Hendersonville, Tennessee area and nearby surrounding communities, specializing in disability insurance protection. The agency assists clients with policies that replace a portion of income if injury or illness prevents them from working. It handles both short-term and long-term disability coverage, helping individuals understand benefit periods and elimination periods. The agency approaches each typical job by first reviewing a client’s occupation and current financial situation to recommend appropriate coverage levels.
Whether a client seeks a single policy review or ongoing benefit management, Martinek Insurance Services a division of Southern Insurance Group LLC addresses the difference between one-time consultations and recurring service options for disability coverage. In Hendersonville, TN, the agent guides individuals through plan selection to protect income against injury or illness. Service in this local office runs on a one-time, scheduled, or as-needed basis according to client preference or policy changes.
Spring flooding and sudden illness can leave Hendersonville families without a paycheck, a risk that makes disability coverage a pressing local concern. Williamson Insurance & Investments LLC serves as a disability insurance agent in Hendersonville, Tennessee, helping residents protect their income during unexpected health setbacks. The company guides clients through policy options designed to replace lost earnings, offering clarity on benefit terms and waiting periods. Each consultation begins with a personalized review of the individual’s employment situation and financial obligations.
Hicks Watson Insurance Agency specializes in disability insurance agent services for residents of Hendersonville, TN, helping clients secure income replacement through individual and group policies. The agency assists with evaluating coverage needs for both short-term and long-term disability scenarios. It works with professionals concerned about protecting their earnings during unforeseen health events, such as an illness or accident. This firm also guides clients through policy adjustments following a major life change, such as returning to work after a medical recovery period.
Lawson Insurance Services in Hendersonville, TN, is known for assisting clients with disability insurance policies that protect income during illness or injury. It offers services ranging from initial policy evaluations to filing claims for residents across the mid-state area. The agency works with individuals to identify appropriate coverage levels based on occupation and earnings. A specialty service it provides is helping self-employed professionals tailor short-term disability plans to their business needs.
Shelter Insurance - Randy Swayze in Hendersonville, Tennessee, provides comprehensive disability insurance agent services for individuals and businesses. The agency focuses on helping clients secure income protection plans that replace a portion of earnings if injury or illness prevents them from working. It also offers specialty add-ons, such as accident and critical illness coverage, to strengthen financial safeguards. This agent serves various commercial sectors, including offices, warehouses, and food service operations, tailoring policy options to meet the distinct needs of each workplace environment.
Ingram Insurance Agency in Hendersonville, TN, provides disability insurance services to local residents, helping them secure income protection for medical leaves. Commercial coverage is also available for small businesses wanting to safeguard employee earnings during recovery. The agency serves clients throughout the Hendersonville area and surrounding Sumner County communities. After an initial policy is established, the agent follows up to adjust coverage as individual needs change, and repeat service is offered for renewals or claims guidance between regular visits.
What Does a a Disability Insurance Agent in Hendersonville Cost?
Disability insurance agent services in Tennessee typically do not charge a fee to the client. Agents earn commissions paid by the insurance company, which are built into the premium. Premiums for individual disability insurance in Tennessee range from 1% to 3% of your annual income, or roughly $50 to $200 per month for a typical policy. Costs vary based on age, health, occupation, and coverage amount. This is general information, not insurance advice.
About disability insurance agents in Hendersonville
Disability insurance agents in Hendersonville Tennessee help individuals and businesses secure income protection. Tennessee law requires insurers to respond to claims within 30 days under state regulations. Local agents can guide you through policy options and the claims process specific to Sumner County.
Frequently Asked Questions
What does a disability insurance agent in Hendersonville do?
A disability insurance agent helps you compare policies from multiple carriers. They explain coverage terms and assist with applications. They do not provide legal advice but can help you understand policy features.
How long do I have to file a disability claim in Tennessee?
Tennessee law does not set a specific deadline for filing a disability claim, but most policies require prompt notice. You should report a disability within 30 days or as stated in your policy. Delays can lead to denial.
Are disability insurance benefits taxable in Tennessee?
Benefits are tax-free if you paid the premiums with after-tax dollars. If your employer paid the premiums, benefits are taxable as income. Tennessee has no state income tax, so you do not owe state tax on benefits.
Disability Insurance Agents in Other Tennessee Cities
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