The top-rated disability insurance agent in Bessemer, Alabama is Corkren Insurance, rated 4.8 stars across 365 reviews. Other highly rated options include Julie Bell - State Farm Insurance Agent, PAC Insurance Agency, Inc., Byron Eaton: Allstate Insurance. This directory lists 15 disability insurance agents serving Bessemer.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Corkren Insurance | 700 Academy Dr #104 | (205) 565-0060 |
| 2 | Julie Bell - State Farm Insurance Agent | 1821 13th Ave N | (205) 424-3400 |
| 3 | PAC Insurance Agency, Inc. | 421 19th St N | (205) 426-9885 |
| 4 | Byron Eaton: Allstate Insurance | 3979 Parkwood Rd Ste 105 | (205) 565-0313 |
| 5 | Holt Insurance Agency | 1423 4th Ave N | (205) 424-8368 |
| 6 | Kemper Insurance | 201 Sunbelt Pkwy | (800) 463-4658 |
| 7 | David B Smith - State Farm Insurance Agent | 1209 Lake Dr SE Ste 103 | (205) 424-4322 |
| 8 | Liberty National Life Insurance Co | 650 9th Ave N | (205) 425-5286 |
| 9 | Farmers Insurance - Jimmie Lay | 214 19th St N | (205) 436-2870 |
| 10 | Alfa Insurance - The Hammonds Agency | 3436 Warrior River Rd Ste 105 | (205) 774-2820 |
Corkren Insurance serves the greater Bessemer, Alabama area as a disability insurance agent. It helps local residents and workers understand their options for income protection when illness or injury prevents them from working. The company guides clients through the process of selecting appropriate coverage tailored to individual needs and budgets. It handles both short-term and long-term disability insurance policies for individuals and small businesses in the region.
Julie Bell serves clients in Bessemer, Alabama, as a disability insurance agent, providing help with coverage options that replace lost income due to illness or injury. Services include explaining policy terms, assisting with applications, and offering ongoing support for claims and policy updates. Maintenance plans involve annual policy reviews to adjust coverage for changes in income or health. This agency services single-family homes, apartments, retail shops, and restaurants in the local area.
Homeowners, business owners, and self-employed professionals in Bessemer, AL, turn to PAC Insurance Agency, Inc. for disability insurance guidance. The agency helps clients secure coverage that provides financial protection if an illness or injury prevents them from working. This support ensures individuals can manage ongoing expenses while focusing on recovery. PAC Insurance Agency, Inc. also serves residents and businesses throughout the Birmingham metropolitan area, including nearby communities such as Hoover and Vestavia Hills.
Byron Eaton: Allstate Insurance serves Bessemer, Alabama, and the surrounding communities. As a disability insurance agent, the company handles disability income policies that replace a portion of lost earnings when a worker cannot perform their job due to illness or injury. It assists individual clients in reviewing their coverage needs and comparing different plan options. To handle a typical job, the agency schedules a personal consultation to assess the client’s occupation, earnings, and specific risk factors before presenting suitable policy choices.
Holt Insurance Agency in Bessemer, AL assists clients with both short-term and long-term disability income protection, explaining the difference between one-time coverage options and recurring policy services. Their work involves helping individuals understand how disability insurance can replace lost income during an unexpected illness or injury. Meetings typically focus on policy selection and premium structures. Client service at this agency runs on a scheduled appointment basis, accommodating both initial consultations and periodic policy reviews as needed.
Kemper Insurance provides disability insurance agent services to individuals and families in Bessemer, Alabama. It assists clients by explaining different disability policies and guiding them through the application process to secure income protection. The agency helps workers understand how benefits apply if an injury or illness prevents them from performing their job duties. As the spring construction season begins in Bessemer, they can advise tradespeople on bridging gaps during recovery from a workplace accident.
David B Smith operates as a State Farm Insurance Agent in Bessemer, AL, providing personal and commercial coverage solutions. The agency assists clients with general insurance needs while additionally specializing in disability insurance products designed to protect income during illness or injury. Serving both individuals and local business owners, this disability insurance agent works with various commercial sectors, including offices, warehouses, and food service operations, to tailor coverage for their specific operational risks and employee protection requirements.
In the unpredictable climate of Bessemer, AL, the need for income protection can arise suddenly due to illness or injury. Liberty National Life Insurance Co addresses this vulnerability by offering disability insurance agent services tailored to individual policy needs. The company evaluates local workers’ existing coverage gaps and presents benefit options for long-term financial security. Every engagement begins with a personal assessment step to review medical histories and employment details alongside the client.
Farmers Insurance - Jimmie Lay provides residential disability insurance services to clients in Bessemer, AL, helping individuals protect their income against injury or illness. The agency also offers commercial disability coverage tailored for local businesses and their employees. Their service area includes Bessemer and surrounding communities across the greater Birmingham region. After an initial policy setup, the agent contacts clients with follow-up support and provides ongoing coverage reviews between regular annual visits.
What Does a a Disability Insurance Agent in Bessemer Cost?
Disability insurance agent services in Alabama are typically commission based. The agent does not charge you directly. Policy premiums vary widely from about 1% to 3% of your annual income. For a 50 year old earning 60000 dollars per year a policy might cost 100 to 200 dollars per month. Costs depend on your age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Bessemer
Disability insurance agents in Bessemer Alabama help individuals and businesses find coverage that meets their needs. Alabama law requires agents to be licensed by the Alabama Department of Insurance. Local agents understand the specific disability risks and benefit structures common in the Bessemer area.
Frequently Asked Questions
What does a disability insurance agent in Bessemer do?
A disability insurance agent helps you find a policy that fits your income and occupation. They explain the benefit terms and help you compare plans from different carriers. They do not handle claims or lawsuits.
How do I choose a disability insurance agent in Alabama?
Look for an agent licensed in Alabama with experience in disability coverage. Ask about the insurance companies they represent and how they get paid. A good agent will explain policy exclusions and waiting periods clearly.
Are disability insurance benefits taxable in Alabama?
If you pay the premiums with after-tax dollars your benefits are usually tax free. If your employer pays the premiums benefits are taxable as income. Alabama follows federal tax rules for disability benefits.