The top-rated disability insurance agent in Bristol, Tennessee is Darren Lowe - State Farm Insurance Agent, rated 5.0 stars across 532 reviews. Other highly rated options include Mike Adams - State Farm Insurance Agent, Barbara Williams - State Farm Insurance Agent, Jim Embree Insurance. This directory lists 15 disability insurance agents serving Bristol.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Darren Lowe - State Farm Insurance Agent | 2137 Volunteer Pkwy #3 | (423) 968-9221 |
| 2 | Mike Adams - State Farm Insurance Agent | 1500 Bluff City Hwy | (423) 764-5641 |
| 3 | Barbara Williams - State Farm Insurance Agent | 2742 W State St #3 | (423) 323-3640 |
| 4 | Jim Embree Insurance | 1225 Bluff City Hwy | (423) 968-5550 |
| 5 | Shelter Insurance - Justin Horn | 2344 Volunteer Pkwy | (423) 573-8870 |
| 6 | Burnette & Associates Insurance | 1143 Volunteer Pkwy | (423) 968-2047 |
| 7 | Burke, Powers & Harty, Inc. | 1236 Volunteer Pkwy | (423) 764-2112 |
| 8 | The Buddy Crump Insurance Agency Inc | 2409 Volunteer Pkwy C | (423) 764-4191 |
| 9 | Shelter Insurance - Dustin Pannell | 1135 Volunteer Pkwy Ste 15A | (423) 573-8871 |
| 10 | Stateline Benefit Advisors | 1227 Volunteer Pkwy Suite 534 Suite 534 | (423) 217-9610 |
Darren Lowe - State Farm Insurance Agent serves the Bristol, Tennessee area and surrounding communities as a disability insurance agent. This agency helps individuals and families secure financial protection by offering policies that replace a portion of income if a medical condition prevents work. Client consultations focus on evaluating personal circumstances and explaining how coverage can address specific income needs. The office also assists with short-term and long-term disability coverage options for local residents.
Mike Adams - State Farm Insurance Agent in Bristol, TN provides disability insurance agent services, helping clients understand their coverage options. The agency offers ongoing support for policy maintenance, including claim guidance and plan adjustments tailored to changing needs. Service plans focus on protecting income through various policy types suitable for local professionals. The firm services single-family homes, apartments, retail, and restaurants throughout the Bristol area.
Barbara Williams - State Farm Insurance Agent serves homeowners, businesses, and property managers in Bristol, Tennessee, by offering disability insurance coverage designed to protect income during illness or injury. The agency helps local residents and commercial clients evaluate policy options that replace lost wages. As a disability insurance agent, the office guides individuals through the application process and explains benefit terms. The agency also serves nearby communities in the greater Sullivan County area, including Kingsport and Blountville.
Jim Embree Insurance serves Bristol, Tennessee, and the surrounding communities of the Tri-Cities area. It handles disability insurance, helping residents secure income protection for illness or injury. The agent guides clients through policy details to find coverage that fits personal budgets. A typical job begins with a review of the client's occupation and financial needs, then explores suitable policy options before presenting a clear comparison.
As a disability insurance agent in Bristol, TN, Shelter Insurance - Justin Horn focuses on crafting individual policies that replace a portion of lost income if a client becomes unable to work due to illness or injury. The agency also assists clients with understanding policy exclusions, waiting periods, and benefit durations to ensure coverage aligns with their financial obligations. This support includes helping residents assess their potential need for protection against a sudden disability during the demanding winter months when slips and hazardous road conditions occur frequently.
Burnette & Associates Insurance in Bristol, TN helps clients distinguish between one-time policies, such as those covering a single surgical event, and recurring plans that provide ongoing income protection if disability prevents work. As a disability insurance agent, the firm guides individuals in securing coverage tailored to local employment and occupational needs. Service appointments with this agent generally operate on an as-needed basis, ensuring clients can seek consultation or file claims whenever their situation requires direct assistance.
As winter weather increases the risk of slips and falls, residents of Bristol, TN, often seek ways to safeguard their income. Burke, Powers & Harty, Inc. serves local professionals by explaining how disability policies can replace lost wages during recovery from injury or illness. The team clarifies common exclusions and waiting periods to ensure individuals understand their coverage options. An initial assessment of a client’s current salary and occupation is scheduled to recommend appropriate coverage.
The Buddy Crump Insurance Agency Inc in Bristol, TN works with individuals and businesses to arrange disability insurance coverage. This specialty provides income protection when injury or illness prevents a person from working. The agency helps clients evaluate the specific risks they face in their daily lives and employment. Local small and medium-sized enterprises often need such coverage as part of a broader benefits package. The firm is able to serve a range of commercial sectors, including offices, warehouses, and food service operations.
Shelter Insurance - Dustin Pannell provides disability insurance agent services to residential clients in Bristol, TN, helping protect personal income. The agency also offers commercial coverage for local businesses and professionals seeking financial safeguards against injury or illness. Serving the greater Bristol area, appointments accommodate surrounding communities. Returning clients can request follow-up policy reviews or adjustments during regular scheduled visits.
What Does a a Disability Insurance Agent in Bristol Cost?
The cost of disability insurance in Tennessee typically ranges from 1% to 3% of your annual income. For a 35-year-old in Bristol, a policy covering 60% of income might cost between $50 and $150 per month. Costs vary based on age, health, occupation, and policy features. This is general information, not insurance advice.
About disability insurance agents in Bristol
Disability insurance agents in Bristol Tennessee help individuals and businesses find coverage that protects income if you cannot work. Tennessee law requires agents to be licensed by the state and follow specific regulations. Local agents can also guide you through the claims process for both short-term and long-term disability policies.
Frequently Asked Questions
What does a disability insurance agent in Bristol do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your budget and needs. They also assist with filing claims and understanding policy terms. In Tennessee, agents must hold a valid insurance license and follow state consumer protection rules.
Are there time limits for filing a disability claim in Tennessee?
Yes, Tennessee insurance policies often have time limits for filing a claim, usually within 30 to 90 days of the disability. You should also check your policy for any contractual statute of limitations, which can be as short as one year. An agent can help you understand these deadlines.
How do Tennessee laws affect disability insurance policies?
Tennessee follows the Uniform Individual Accident and Sickness Policy Provisions Law, which sets minimum standards for disability policies. This law requires certain policy provisions, such as a grace period for premium payments and a time limit on certain defenses. Your agent can explain how these rules apply to your specific policy.
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