The top-rated disability insurance agent in Chanhassen, Minnesota is Active Insurance Solutions, rated 4.9 stars across 427 reviews. Other highly rated options include South Lake Agency - Insurance Brokers, Jeremy Senn - State Farm Insurance Agent, Sharlene Downs - State Farm Insurance Agent. This directory lists 11 disability insurance agents serving Chanhassen.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Active Insurance Solutions | 2431 Galpin Ct STE 140 | (952) 479-5877 |
| 2 | South Lake Agency - Insurance Brokers | 7945 Stone Creek Dr # 30 | (952) 856-5500 |
| 3 | Jeremy Senn - State Farm Insurance Agent | 99 Lake Dr E | (952) 380-0990 |
| 4 | Sharlene Downs - State Farm Insurance Agent | 480 W 78th St Suite 103 | (952) 934-7329 |
| 5 | Dave Roy Insurance Agency: Allstate Insurance | 7965 Stone Creek Dr STE 110 | (952) 448-3555 |
| 6 | Mitch Velgersdyk - State Farm Insurance Agent | 7955 Stone Creek Dr #10 | (612) 326-4414 |
| 7 | Jon Fransway - State Farm Insurance Agent | 1258 Park Rd | (952) 975-4900 |
| 8 | Angie Herder American Family Insurance | 530 W 79th St #140 | (952) 361-3327 |
| 9 | Kortuem Insurance Agency, Inc. | 600 W 78th St #200 | (952) 934-4126 |
| 10 | Driasi | 7930 Century Blvd | (800) 688-0760 |
Active Insurance Solutions serves Carver County and the surrounding metro from its base in Chanhassen, Minnesota, as a disability insurance agent. The agency helps individuals assess their need for income protection when illness or injury prevents them from working. It guides clients through the selection of policies that replace a portion of their earnings during a disability. This location handles both short-term disability coverage, which provides benefits for a few months, and long-term disability plans that extend for years or until retirement age.
South Lake Agency - Insurance Brokers provides disability insurance solutions in the Chanhassen, Minnesota area, helping clients protect their income against illness or injury. Its service approach involves evaluating individual coverage needs and guiding policy selection with claims support. Ongoing account maintenance plans include annual policy reviews and updates to adjust benefits as personal circumstances change. The agency serves a range of property types, including single-family homes, apartments, retail spaces, and restaurants, managing their business owner disability coverage requirements across diverse operations.
Jeremy Senn, operating as a State Farm Insurance Agent in Chanhassen, Minnesota, provides disability insurance that addresses both temporary income needs from short-term illnesses and long-term coverage for serious injuries or chronic conditions. This ensures residents can protect their earning potential during unexpected health setbacks. The service is offered on a scheduled basis for initial consultations and policy reviews, with adjustments available as circumstances change.
Sharlene Downs - State Farm Insurance Agent serves homeowners, businesses, and property managers in Chanhassen, Minnesota, by helping them secure disability insurance coverage. This agent works to protect clients' income if they become unable to work due to illness or injury. Policies are designed to replace a portion of earnings during a qualifying disability. The agency also assists renters and small business owners in understanding policy options. Additionally, Sharlene Downs - State Farm Insurance Agent provides its disability insurance services to the neighboring community of Eden Prairie and surrounding areas within the western metro.
Dave Roy Insurance Agency serves Chanhassen, Minnesota, and the surrounding communities in the southwest metro area, handling individual and employer-based disability insurance needs. The office assists clients in evaluating options for income protection during illness or injury, focusing on policies that cover routine living expenses. It works with residents and local businesses to review plan benefits and coordinate other Allstate coverages for a cohesive financial safety net. For a typical job, the agent gathers client income details and occupational risks to match policy features with personal financial goals.
Mitch Velgersdyk - State Farm Insurance Agent in Chanhassen, MN helps clients understand the difference between disability policies that pay a one-time benefit for a specific injury versus those that provide recurring monthly income for long-term conditions. Coverage options are designed to protect earnings if illness or accident prevents regular work. Local clients can schedule a one-time consultation to review existing coverage or an ongoing relationship to update policies as needs change. Service runs on a scheduled basis for annual reviews and as-needed for questions or claims.
Jon Fransway – State Farm Insurance Agent in Chanhassen, MN offers specialized disability insurance agent services, helping clients secure income protection plans tailored to individual needs. It also provides general personal and commercial insurance solutions for local residents and businesses. The agency assists with claims guidance and coverage adjustments as events or health conditions change during the year, such as after a new injury or diagnosis.
As the seasons change in Chanhassen, residents often reassess their financial safeguards against unexpected illnesses or injuries that could interrupt an income. Angie Herder American Family Insurance serves this local need by specializing in disability insurance for area professionals and families. Their role involves matching coverage options to individual employment situations and household budgets, ensuring clients understand the specific protections available to them. The initial step in this process typically involves a personalized review of current earnings and financial obligations to determine an appropriate benefit structure and waiting period.
Kortuem Insurance Agency, Inc. operates as a disability insurance agent, helping workers protect their income through specialized coverage. Serving the Chanhassen, Minnesota area, the firm focuses on disability insurance solutions that shield a client's earnings if an illness or injury prevents them from working. The agency assists with selecting policies that replace a portion of income during recovery. Depending on a business's needs, Kortuem can provide guidance for a variety of commercial environments, such as local offices, busy warehouses, and food service operations.
Driasi provides residential disability insurance coverage to clients in the Chanhassen area, tailoring each policy to protect personal income during illness or injury. Services extend to commercial disability insurance solutions for local small and medium-sized businesses, ensuring employee protection across the broader metropolitan region. Each consultation focuses on long-term financial security through individual plan analysis. Between annual reviews and policy updates, Driasi maintains ongoing client contact to address changes in health status or employment circumstances.
What Does a a Disability Insurance Agent in Chanhassen Cost?
The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income for an individual policy. For example, a 35-year-old earning $60,000 per year might pay between $600 and $1,800 annually. Group policies through employers are often cheaper but may offer less coverage. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Chanhassen
Disability insurance agents in Chanhassen, Minnesota help individuals and businesses protect their income against unexpected illness or injury. Minnesota does not have a state-run short-term disability program, making private disability insurance an important option for residents. Local agents can guide you through group and individual policies tailored to your needs.
Frequently Asked Questions
What does a disability insurance agent in Chanhassen do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods and benefit durations. They also assist with claims and policy changes.
Is disability insurance required in Minnesota?
No, Minnesota does not require individuals to carry disability insurance. However, some employers may offer group disability coverage as a benefit. Self-employed residents often purchase individual policies to replace lost income.
How does Minnesota law affect disability insurance claims?
Minnesota insurance law requires insurers to handle claims in good faith and pay benefits promptly. Policyholders have the right to appeal denied claims internally and externally. Minnesota statute 62A.04 sets minimum standards for disability policies sold in the state.
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