The top-rated disability insurance agent in Apple Valley, Minnesota is Butler & Associates Insurance Agency, rated 4.9 stars across 243 reviews. Other highly rated options include Joe Etten - State Farm Insurance Agent, Dave Melle - State Farm Insurance Agent, Farmers Insurance - Kara Petter. This directory lists 17 disability insurance agents serving Apple Valley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Butler & Associates Insurance Agency | 14800 Galaxie Ave Suite 208 | (952) 953-3838 |
| 2 | Joe Etten - State Farm Insurance Agent | 14501 Granada Dr #101 | (952) 431-7100 |
| 3 | Dave Melle - State Farm Insurance Agent | 14831 Energy Way | (952) 997-3010 |
| 4 | Farmers Insurance - Kara Petter | 13000 Pilot Knob Rd Ste 1 | (952) 432-1967 |
| 5 | Retta Insurance Agency LLC | 14870 Granada Ave #155 | (763) 465-1101 |
| 6 | Elfstrum Consulting Inc | 14799 Energy Way | (952) 432-8873 |
| 7 | Mayer Insurance Agency | 15025 Garrett Ave #201 | (952) 432-5900 |
| 8 | Debra Suman American Family Insurance | 14698 Galaxie Ave | (952) 953-0900 |
| 9 | Farmers Insurance - Fink Agency | 14771 Energy Way | (651) 288-5633 |
| 10 | Farmers Insurance - James Harris | 7300 147th St W | (706) 829-9750 |
Butler & Associates Insurance Agency serves the Apple Valley area and surrounding communities, specializing in disability insurance agent services. This agency helps local professionals and individuals secure income protection policies that provide financial stability during periods of injury or illness. The team navigates clients through the often complex options available, focusing on long-term disability plans that replace a portion of lost wages. Short-term disability coverage, which helps bridge immediate gaps between illness and return to work, is also a handled service.
Joe Etten - State Farm Insurance Agent serves homeowners, renters, and small business owners in Apple Valley, Minnesota, looking to protect their income through disability insurance. The agency helps clients understand how disability coverage can replace lost wages if an illness or injury prevents them from working. Policies can be tailored to individual needs, ensuring financial stability during recovery. The agency also provides claims assistance and policy reviews to keep coverage relevant. Service extends to nearby communities such as Burnsville and the broader Dakota County area.
Dave Melle’s agency in Apple Valley, MN, offers disability insurance agent services designed to help local residents protect their income in case of illness or injury. Coverage plans are tailored to replace a portion of lost earnings, ensuring financial stability during recovery periods. Ongoing policy reviews and claims assistance are provided to help clients adjust their benefits as their needs change. The agency regularly serves policyholders living in single-family homes, apartments, as well as local retail businesses and restaurants.
Farmers Insurance - Kara Petter serves the Apple Valley, Minnesota area and surrounding communities as a disability insurance agent. The agency assists individuals with understanding and selecting policies that provide income protection if illness or injury prevents them from working. Clients can discuss their specific needs and financial situations to determine appropriate coverage levels. To handle a typical job, the agency first reviews the client's occupation and income structure before presenting suitable plan options.
Retta Insurance Agency LLC in Apple Valley, Minnesota helps clients understand the difference between securing a one-time disability policy and establishing a recurring coverage plan that adjusts as needs change. Disability insurance agents in this area work with individuals to protect income against unforeseen illness or injury, ensuring financial stability during recovery. Personalized coverage options are explained thoroughly to match each client’s occupation and financial situation. Services run on an as-needed basis, allowing clients to revisit their plans whenever life or employment circumstances shift.
Elfstrum Consulting Inc specializes in helping clients navigate disability insurance options in Apple Valley, MN, offering personalized guidance on policy selection and coverage planning. The agency works with individuals and businesses to secure income protection tailored to specific needs and budgets. As disability insurance agents, they assist with evaluating short-term and long-term policies, ensuring clients understand benefit terms and waiting periods. This service proves particularly valuable for self-employed professionals or families approaching retirement, where a sudden illness or injury could disrupt financial stability.
In Apple Valley, where seasonal employment shifts often create gaps in income protection, Mayer Insurance Agency assists residents in evaluating disability insurance options. This firm specializes in matching policies to individual circumstances, emphasizing the need to secure income against unexpected injury or illness. Clients typically meet with agents to discuss coverage durations and benefit amounts tailored to their occupations. As a first step toward financial planning, the agency conducts a comprehensive review of existing policies to identify coverage gaps.
Debra Suman American Family Insurance assists individuals and businesses with their insurance needs, specializing as a disability insurance agent in Apple Valley, Minnesota. The agency helps clients select policies that provide income protection during illness or injury. These plans can prevent financial hardship when a person cannot work. The agency’s services are available to various commercial sectors, including office environments, warehouses, and food service operations.
Farmers Insurance - Fink Agency provides residential disability insurance agent services in Apple Valley, Minnesota, helping homeowners protect their income in case of injury or illness. Commercial coverage is also available for local business owners who need disability policies tailored to their operations. The agency serves Apple Valley and surrounding areas throughout Dakota County. Clients receive regular follow-up between visits to adjust their coverage as life or work circumstances change, ensuring dependable support for ongoing protection needs.
Farmers Insurance - James Harris in Apple Valley, MN is known for helping local residents navigate the complexities of disability insurance. This agent provides guidance on both short-term and long-term disability policies, focusing on income protection in the event of illness or injury. Serving the greater Apple Valley area, the firm assists individuals in understanding policy terms and coverage options. For added security, this agent can also offer tailored riders like a residual disability benefit.
What Does a a Disability Insurance Agent in Apple Valley Cost?
The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income, so for a $60,000 salary you might pay $600 to $1,800 per year. Factors like age, health, occupation, and benefit amount affect the premium. An Apple Valley agent can provide quotes from multiple carriers. This is general information, not insurance advice.
About disability insurance agents in Apple Valley
Disability insurance agents in Apple Valley, Minnesota help residents protect their income if they cannot work due to injury or illness. Minnesota law requires certain disability policies to include specific provisions, such as a 30-day grace period for premium payments. A local agent can explain how state regulations affect your coverage options.
Frequently Asked Questions
What does a disability insurance agent in Apple Valley do?
A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you become disabled. They explain policy terms, compare plans from different insurers, and assist with the application process. In Minnesota, agents must be licensed by the state Department of Commerce.
How does Minnesota law affect disability insurance policies?
Minnesota statutes require that individual disability policies include a 30-day grace period and a 10-day free look period. Policies must also cover disabilities resulting from pregnancy unless specifically excluded. An Apple Valley agent can help you understand these legal requirements when choosing a plan.
Can a disability insurance agent help with a claim denial in Minnesota?
While agents primarily help you purchase policies, many can guide you on the claims process and refer you to resources for appeals. Minnesota law gives you 180 days to appeal a denied claim under the Minnesota Uniform Insurance Claims Settlement Practices Act. For complex denials, you may need to consult an attorney or a public adjuster.
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