The top-rated disability insurance agent in Abilene, Texas is Koda Insurance Group, rated 4.9 stars across 335 reviews. Other highly rated options include Perkins Insurance Agencies, LLC, Tatum Insurance Agency, LLC, CBS Insurance LLP. This directory lists 20 disability insurance agents serving Abilene.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Koda Insurance Group | 2658 Industrial Blvd | (325) 695-9999 |
| 2 | Perkins Insurance Agencies, LLC | Building D, 749 Gateway St Suite 401 | (325) 673-9300 |
| 3 | Tatum Insurance Agency, LLC | 5200 Buffalo Gap Rd bldg a | (325) 695-5200 |
| 4 | CBS Insurance LLP | 3005 S Treadaway Blvd | (325) 695-0222 |
| 5 | Inner Circle Advisors | 209 S Danville Dr STE B107 | (325) 893-2772 |
| 6 | Stubblefield Insurance Agency | 3300 S 14th St St #202 | (325) 695-2772 |
| 7 | Kennedy Insurance Mart | 1718 N 1st St | (325) 676-1126 |
| 8 | RGF Insurance Agency, LLc | 1215 E South 11th St B 104 | (325) 518-2353 |
| 9 | Rhodes Insurance Agency | 3814 N 1st St | (325) 677-6303 |
| 10 | American Insurance Agency | 3244 N 1st St | (325) 676-1306 |
Koda Insurance Group serves the Abilene, Texas area as a disability insurance agent. The company helps clients secure financial protection against income loss resulting from illness or injury. It assists local professionals and business owners in evaluating their individual coverage needs. Koda Insurance Group provides guidance on long-term disability policies designed to replace a portion of earnings during recovery. Its services include explaining policy waiting periods, benefit durations, and occupation-specific definitions in the East Texas region.
Perkins Insurance Agencies, LLC in Abilene, TX provides disability insurance agent services, helping individuals secure income protection for short-term and long-term needs. Their approach includes evaluating personal circumstances to recommend suitable disability coverage options and assisting with policy maintenance and claims support. They guide clients through the selection process, ensuring policies align with evolving financial situations. Their services cater to a variety of residential and commercial properties, including single-family homes, apartments, retail spaces, and restaurants.
Tatum Insurance Agency, LLC serves homeowners, renters, and small business owners in the Abilene area seeking financial protection against lost income due to illness or injury. The agency specializes in connecting local clients with disability insurance policies that replace a portion of their earnings during recovery. This guidance helps families maintain mortgage payments and daily living expenses when a breadwinner cannot work. Complex policy terms are explained in clear language, and personalized plan comparisons are offered to match individual budgets and coverage needs. The agency also serves the nearby community of Sweetwater.
CBS Insurance LLP serves clients throughout Abilene, Texas, and the surrounding communities in Taylor County and the Big Country region. The company handles disability insurance needs, assisting individuals with plans that help protect income during periods of illness or injury. It focuses on explaining policy structures and benefit periods clearly to each client. Its typical approach involves evaluating a client’s occupation and monthly expenses to match coverage options that meet their specific financial situation.
Inner Circle Advisors provides disability insurance agent services in Abilene, Texas, specializing in helping clients secure income protection policies tailored to individual occupational risks. The company also assists with general insurance needs related to long-term disability coverage and policy reviews. It focuses on connecting local workers and professionals with plans that safeguard earnings against unexpected medical issues or injuries. When open enrollment periods begin for employer-sponsored benefits, the company helps clients evaluate supplemental disability options to fill gaps in existing coverage.
As the seasons change in Abilene, many workers consider how a sudden injury or illness could affect their paycheck, seeking to protect their income. Stubblefield Insurance Agency offers guidance on disability insurance, helping local residents understand options for replacing lost wages if they cannot work. The process includes an initial review of current coverage to evaluate individual needs. Starting with a personal consultation, the agency schedules a no-obligation assessment to identify suitable policies for each client's situation.
Kennedy Insurance Mart, located in Abilene, TX, assists individuals in distinguishing between one-time disability policies, which provide a single lump sum after a qualifying event, and recurring coverage options that issue ongoing income replacement benefits during a period of disability. Their work centers on navigating policy terms that protect earned income against unforeseen medical or injury-related interruptions. Service meetings at this agency operate on a scheduled basis, typically requiring an appointment for consultation, application, and policy review.
RGF Insurance Agency, LLc in Abilene, TX works with individuals and employers to arrange disability income protection policies. The agency specializes in both short-term and long-term disability insurance coverage that helps replace lost wages during illness or injury. It also offers supplemental policies tailored to specific occupational risks. Commercial clients from local offices, warehouses, and food service operations can obtain group disability plans through the agency to safeguard their workforce.
Rhodes Insurance Agency serves residential clients in Abilene, Texas, by assisting with individual disability insurance policies to protect personal income. The agency also offers commercial disability coverage for local businesses seeking to safeguard their employees’ earnings. Service extends throughout Abilene and the surrounding Taylor County area. An agent helps clients evaluate policy options, compare benefit terms, and complete applications. Clients often return for annual policy reviews or to adjust coverage after major life changes between regular in-office or phone visits.
American Insurance Agency in Abilene, TX, is known for helping local professionals and small business owners secure disability income protection. The agency guides clients through Short-Term and Long-Term Disability policies that replace lost wages during illness or injury. They assist with rider options like residual benefits and cost-of-living adjustments. A specialty add-on they offer is a future purchase option rider, allowing clients to increase coverage as their income grows without a full new medical exam.
What Does a a Disability Insurance Agent in Abilene Cost?
Disability insurance costs in Texas vary based on age health occupation and benefit amount. Typical premiums range from 1 percent to 3 percent of your annual income. For a 40 year old in a low risk job a policy paying 5000 per month might cost 100 to 200 per month. Higher risk occupations or longer benefit periods increase the premium. This is general information and not insurance advice.
About disability insurance agents in Abilene
Disability insurance agents in Abilene Texas help individuals and business owners protect their income if they become unable to work. Texas law does not require employers to provide disability coverage so many workers seek private policies. Agents in Abilene can explain how Texas insurance regulations affect policy terms and claims.
Frequently Asked Questions
What does a disability insurance agent in Abilene do?
A disability insurance agent in Abilene helps you compare policies from different carriers. They explain coverage limits elimination periods and benefit durations. They also assist with the application process and answer questions about Texas specific policy rules.
How long do I have to file a disability claim in Texas?
Texas law does not set a specific deadline for filing a private disability claim but most policies require prompt notice. You should review your policy for the exact time limit. Delaying a claim can result in a denial so act quickly after becoming disabled.
Are disability insurance premiums tax deductible in Texas?
If you pay premiums with after tax dollars any benefits you receive are generally tax free. If your employer pays the premiums benefits are usually taxable. A local agent can help you understand how this applies to your situation in Texas.
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