The top-rated disability insurance agent in Clarksville, Tennessee is Legacy Insurance, rated 4.9 stars across 722 reviews. Other highly rated options include Augustine Insurance, BFS Insurance Group, Clarksville Insurance Agency. This directory lists 20 disability insurance agents serving Clarksville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Legacy Insurance | 2017 Wilma Rudolph Blvd | (931) 538-1655 |
| 2 | Augustine Insurance | 111 N Riverside Dr | (931) 503-0015 |
| 3 | BFS Insurance Group | 1820 Madison St G | (931) 503-1533 |
| 4 | Clarksville Insurance Agency | 2859 Fort Campbell Blvd | (931) 431-4551 |
| 5 | Proseguros Insurance & Ayuda Latina - Clarksville | 1505 Fort Campbell Blvd | (615) 750-3108 |
| 6 | Kathryn Minniehan: Allstate Insurance | 345 Union St | (931) 542-0401 |
| 7 | Jessica Villare - Health Markets | 127 Dean Dr | (931) 494-9490 |
| 8 | Kimeo Smith Agency | 1808 Memorial Cir Ste B | (615) 438-1893 |
| 9 | Keri Lovato, Southbound Insurance Agency, LLC | 151 W Dunbar Cave Rd | (931) 463-0036 |
| 10 | Clarksville Insurance Agency Ltd. | 128 N 2nd St | (931) 716-5037 |
Legacy Insurance serves the Clarksville, Tennessee area as a disability insurance agent. The company provides assistance to individuals and professionals seeking income protection through disability coverage. Agents guide clients in understanding policy options that replace a portion of earnings when illness or injury prevents work. Disability insurance agent work in this region often addresses the needs of local employees and self-employed workers. Legacy Insurance handles long-term disability policies designed to cover extended periods of lost income and short-term plans for temporary recovery needs.
Augustine Insurance serves homeowners, renters, and local businesses in Clarksville, Tennessee, seeking to protect their income through disability insurance. The agency helps clients understand policy options that can replace lost earnings if injury or illness prevents them from working. It guides customers through the process of selecting appropriate coverage based on their occupation and lifestyle needs. The firm also provides support to property managers who require income protection for themselves or their employees. Additionally, Augustine Insurance extends its services to clients in the nearby Fort Campbell area and surrounding Montgomery County communities.
Based within the Clarksville, TN area, BFS Insurance Group assists clients in distinguishing between short-term disability policies for immediate, temporary income needs and long-term plans for sustained coverage during extended recovery periods. They specialize in guiding individuals and local businesses through the specifics of securing benefits that protect against lost earnings due to illness or injury. Service arrangements for policy consultations and enrollment are generally conducted on a pre-scheduled appointment basis.
Clarksville Insurance Agency serves Clarksville, Tennessee, and the surrounding Montgomery County communities, handling disability insurance policies for local professionals and workers. It guides clients through the process of securing income protection coverage tailored to individual occupations and health situations. Policies are explained clearly, and support is given for comparing plan options from different carriers. The agency typically begins each case with a detailed review of the client’s employment circumstances and existing benefits before recommending a specific strategy.
Serving the Clarksville area as a disability insurance agent, Proseguros Insurance & Ayuda Latina provides specialized coverage designed to replace income if illness or injury prevents work. This firm assists individuals in reviewing their current policies and exploring options to protect their financial stability. A key concern it addresses is the increased risk of disability that often accompanies seasonal occupations or temporary physical labor shifts common during local harvest and construction cycles.
As Clarksville residents prepare for seasonal changes that may bring new physical demands or workplace challenges, Kathryn Minniehan: Allstone Insurance provides disability insurance agent services tailored to this area. They help clients understand policies that offer income protection when illness or injury prevents work. This company handles the process of reviewing existing coverage and explaining how benefits coordinate with other sources. An initial consultation typically involves a thorough assessment of current income and protection needs before any plan is outlined.
Jessica Villare - Health Markets assists individuals and businesses in Clarksville with securing disability insurance coverage. The agency focuses on helping clients protect their income against unexpected illness or injury. It works to tailor policies that align with different employment situations and financial needs. Businesses in various commercial sectors can benefit from these services, such as office environments needing employee coverage, warehouses requiring protection for physical labor roles, and food service operations addressing industry-specific risks.
Kimeo Smith Agency in Clarksville, TN is known for helping individuals protect their income against unexpected illness or injury. The agency guides clients through the process of securing short-term and long-term disability coverage tailored to their occupation. Staff assists with policy selection and claim preparation. Their specialty service includes critical illness riders that provide lump-sum benefits alongside traditional disability insurance.
Keri Lovato, Southbound Insurance Agency, LLC serves Clarksville residents with disability insurance to replace income during illness or injury. The agency also provides commercial disability coverage for local businesses seeking group plans or key-person policies, serving clients throughout Montgomery County and surrounding areas. Services are tailored to protect earnings against temporary or long-term conditions. The same agency representative returns for follow-up appointments between regular service visits, ensuring policy adjustments remain aligned with changing needs and current coverage requirements.
In Clarksville, Tennessee, the seasonal shifts in local employment can create gaps in income protection for workers. Clarksville Insurance Agency Ltd. addresses this vulnerability as a disability insurance agent, helping clients secure policies that replace lost wages during illness or injury. The firm guides customers through both short-term and long-term coverage options tailored to individual occupations and financial situations. An initial assessment begins by reviewing each client’s current income sources and potential risks to determine appropriate benefit levels.
What Does a a Disability Insurance Agent in Clarksville Cost?
The cost of disability insurance in Tennessee varies by age, health, occupation, and benefit amount. Typical premiums range from 1 percent to 3 percent of your annual income. For example, a 35 year old office worker might pay 50 to 100 dollars per month for a 2000 dollar monthly benefit. Costs are higher for high risk occupations or longer benefit periods. This is general information and not insurance advice.
About disability insurance agents in Clarksville
Disability insurance agents in Clarksville Tennessee help individuals and small business owners find coverage that protects income during illness or injury. Tennessee law requires insurers to follow specific claim handling rules under the Tennessee Insurance Code. A local agent can explain policy options and assist with the application process.
Frequently Asked Questions
What does a disability insurance agent in Clarksville do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods, elimination periods, and occupation-specific definitions. They do not provide legal advice but can guide you on coverage options.
How long do I have to file a disability claim in Tennessee?
Tennessee law does not set a fixed deadline for filing a claim, but most policies require prompt notice within 30 days. You should review your policy for specific time limits. A local agent can help you understand your policys requirements.
Can a disability insurance agent help with an existing claim denial?
An agent can review your policy and explain your coverage. However, for a claim denial you may need to contact a lawyer or a public adjuster. Agents are not licensed to handle claim disputes or appeals.
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