The top-rated disability insurance agent in Johnson City, Tennessee is Veritas Insurance, rated 5.0 stars across 556 reviews. Other highly rated options include Widener Insurance Inc, Westmoreland Insurance - A Division of Carriage Hill, Jones Insurance Service. This directory lists 20 disability insurance agents serving Johnson City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Veritas Insurance | 4451 N Roan St #201 | (423) 292-4142 |
| 2 | Widener Insurance Inc | 607 Baxter St | (423) 926-7151 |
| 3 | Westmoreland Insurance - A Division of Carriage Hill | 2514 Wesley St #101 | (423) 610-1212 |
| 4 | Jones Insurance Service | 2112 N Roan St #706 | (423) 282-9339 |
| 5 | C R Gregory Insurance, Inc. | 2726 E Oakland Ave STE 106 | (423) 926-7722 |
| 6 | Dave Peters Insurance Inc. | 501 W Oakland Ave | (423) 477-8000 |
| 7 | Highlands Insurance Group | 508 Princeton Rd #104 | (423) 594-0222 |
| 8 | Bass Group Insurance | 902 Sunset Dr #5a | (423) 929-1666 |
| 9 | Heritage Insurance Group | 532 Princeton Rd | (423) 283-9811 |
| 10 | Resilience Insurance Services TN | 1708 Old Gray Station Rd | (423) 405-0180 |
Veritas Insurance serves the greater Johnson City, Tennessee area as a disability insurance agent. The company helps individuals and local professionals secure income protection plans that provide financial support if an injury or illness prevents them from working. It focuses on matching clients with policies that address their specific occupations and earning levels. The firm works with short-term disability coverage for recovery periods and long-term disability insurance for extended absences from work.
Widener Insurance Inc assists individuals in Johnson City, TN with evaluating their income protection needs and selecting appropriate disability insurance policies. It offers guidance on short-term and long-term coverage options, helping clients review policy details during initial enrollment. The company provides ongoing support for policy maintenance, including assistance with claims processes and coverage adjustments. Its services are available to salaried employees, self-employed professionals, and small business owners. Single-family homeowners, apartment residents, and workers in retail establishments or restaurants commonly seek its expertise.
Westmoreland Insurance, a division of Carriage Hill in Johnson City, TN, serves local residents, families, and self-employed professionals seeking income protection. The agency helps clients understand disability insurance options, guiding them through policy selection to safeguard earnings against unexpected illness or injury. Services include evaluating coverage needs, comparing individual plans, and assisting with applications. This agent also offers support to business owners who wish to provide employee disability benefits, ensuring workforce financial stability. The firm extends its services to nearby Jonesborough and other communities throughout the Tri-Cities metropolitan area.
Jones Insurance Service serves Johnson City and the surrounding communities of Northeast Tennessee, handling individual and group disability insurance applications. Its work focuses on helping local residents secure policies that provide income replacement if they become unable to work due to injury or illness. The company guides clients through the various benefit periods and elimination periods common to these plans. For each case, it first assesses a client's occupation and existing coverage before recommending a specific policy structure.
For individuals needing disability insurance, the difference between a one-time policy purchase and ongoing service options is crucial. C R Gregory Insurance, Inc., located in Johnson City, TN, assists clients in understanding coverage plans designed to protect income during illness or injury. This agent provides guidance on policy features such as elimination periods, benefit amounts, and premium structures. Each plan requires careful evaluation of a client’s occupation and financial obligations. After an initial consultation for policy selection, subsequent service is typically scheduled as-needed for policy reviews or claims assistance.
Dave Peters Insurance Inc. offers disability insurance services in Johnson City, TN, focusing on protecting income from unexpected medical conditions. The agency guides clients through policies that replace lost wages during recovery from illness or injury. Specializing in tailored coverage, it also assists with general disability planning for individuals and small businesses. As the winter months approach, the agency helps clients prepare for potential injuries from slips and falls that could result in lost work time.
As the local workforce shifts with changing seasons and job conditions in Johnson City, the need for reliable income protection becomes more apparent. Highlands Insurance Group helps area residents navigate this need by focusing on disability insurance as a specialized service. The agency works directly with clients to review personal coverage gaps, whether for short-term or long-term protection. Each consultation begins with a thorough discussion of individual circumstances, followed by an initial assessment of current policies and potential options to consider.
Serving the Johnson City area, Bass Group Insurance works as a disability insurance agent, helping individuals and businesses secure income protection. Its specialty lies in tailoring policies for different occupations and income levels. The company assists clients in replacing lost wages due to illness or injury, advising on coverage that fits specific needs and budgets. Bass Group Insurance manages applications, reviews policy details, and guides clients through claims processes. It serves a range of commercial sectors, including professional offices, warehouses, and food service operations.
Heritage Insurance Group assists residents of Johnson City, Tennessee, in securing disability insurance for their homes. For commercial clients, the agency provides coverage designed to protect business income during a period of disability. Service extends throughout the greater Johnson City area and surrounding communities. The agency works closely with each client to understand their specific needs, ensuring policies are tailored accordingly. Regular follow-ups are conducted after initial enrollment, and ongoing support is available between annual reviews or policy renewal dates.
Resilience Insurance Services TN in Johnson City is known for guiding professionals through the process of securing income protection. It serves local residents by evaluating individual coverage needs and presenting policy options that align with a client’s occupation and financial obligations. The agency assists with both short-term and long-term disability plans, tailoring recommendations to suit varying budget parameters. A specialty service it can add on is the integration of coverage reviews for those with pre-existing medical conditions.
What Does a a Disability Insurance Agent in Johnson City Cost?
Disability insurance agent services in Tennessee are typically paid through commissions from the insurance carrier. You do not usually pay a separate fee to the agent. Premiums for individual disability policies in Tennessee range from 1 percent to 3 percent of your annual income. Costs vary based on age, occupation, health, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Johnson City
Disability insurance agents in Johnson City Tennessee help individuals and businesses secure income protection. Tennessee law requires agents to hold a valid state license and follow specific disclosure rules. Local agents can guide you through policy options and claims processes for both short term and long term disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Johnson City do?
A disability insurance agent helps you compare policies from different carriers and apply for coverage. They explain policy terms like elimination periods and benefit amounts. Agents also assist with filing claims and understanding Tennessee insurance regulations.
How do I choose a disability insurance agent in Johnson City Tennessee?
Look for an agent licensed in Tennessee with experience in disability products. Ask about their familiarity with group and individual policies. Check their reputation through the Tennessee Department of Commerce and Insurance.
Are there Tennessee specific rules for disability insurance agents?
Yes. Tennessee requires agents to complete continuing education and follow the Tennessee Insurance Code. Agents must disclose any conflicts of interest and provide policy summaries. The state also has a 30 day grace period for premium payments on individual policies.
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