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Browse disability insurance agents serving St Cloud, Minnesota. Contact information and addresses listed below.
16 agents listed
Updated May 2026
St Cloud, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 16 disability insurance agents in St Cloud, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Lyle Group: Allstate Insurance
30 15th Ave S, St Cloud, MN 56301
(320) 253-4994
agents.allstate.com
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Moe Janssen Schee Agency: Allstate Insurance
3717 3rd St N, St Cloud, MN 56303
(320) 251-1383
agents.allstate.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Bankers Life
3400 1st St N Ste 204, St Cloud, MN 56303
(320) 252-8393
branches.bankerslife.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
Gasperlin Insurance Agency
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 252-6800
gasperlinagency.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Stearns
4191 2nd St S, St Cloud, MN 56301
(320) 314-5267
Northwestern Mutual
705 36th St S, St Cloud, MN 56301
(320) 223-6639
stcloud.nm.com
Blue Sky Benefit Solutions
3423 Co Rd 74, St Cloud, MN 56301
(320) 217-7000
The Bauer Group - Horace Mann
4180 Thielman Ln #104, St Cloud, MN 56301
(320) 251-9103
customer.horacemann.com
Independent
22 Wilson Ave NE Ste 207, St Cloud, MN 56304
(320) 656-5828
superpages.com
Disability insurance agents in St Cloud Minnesota help individuals and businesses find the right coverage to protect income. Minnesota law requires certain employer-provided disability benefits under the Minnesota Disability Benefits Law. A local agent can explain how state regulations affect your policy options and claims process.
What Does a Disability Insurance Agent in St Cloud Cost?
Disability insurance costs in Minnesota depend on factors like your age, health, job type, and the benefit amount you choose. For a healthy 35 year old in a low risk profession a policy covering 60 percent of income may cost 1 to 2 percent of annual salary. For a 50 year old in a physically demanding job the cost could be 3 to 5 percent of income. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in St Cloud do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs. They explain policy terms, exclusions, and benefit amounts. They do not provide legal advice or represent you in claims disputes.
How does Minnesota law affect disability insurance policies?
Minnesota has specific rules for disability insurance including a 60 day time limit to file a claim after a disability begins. The state also requires insurers to provide a written explanation for any claim denial. An agent can help you understand these requirements.
What is the typical cost for disability insurance in St Cloud?
Premiums vary based on age, health, occupation, and benefit amount. A typical policy for a 40 year old office worker might cost 1 to 3 percent of annual income. For example a 2000 dollar monthly benefit could cost 30 to 60 dollars per month.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.