The top-rated disability insurance agent in St Paul, Minnesota is MN Benefits, rated 4.9 stars across 180 reviews. Other highly rated options include HomeServices Insurance, Inc., Theisen Escobar Agency, Debbie Anderson - State Farm Insurance Agent. This directory lists 25 disability insurance agents serving St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MN Benefits | 75 W 5th St #310 | (763) 360-4879 |
| 2 | HomeServices Insurance, Inc. | 119 14th St NW Suite 150 | (800) 277-0013 |
| 3 | Theisen Escobar Agency | 428 Minnesota St UNIT 500 | (651) 309-6040 |
| 4 | Debbie Anderson - State Farm Insurance Agent | 777 7th St E | (612) 999-2596 |
| 5 | Garry Insurancenter | 2555 7th Ave E | (651) 777-8361 |
| 6 | Wilebski Insurance Agency | 101 5th St E suite 202 a | (651) 283-9371 |
| 7 | Insurance Group™ | 445 Minnesota St #1500 | (763) 233-6405 |
| 8 | Lunar Financial Group | 445 Etna St #62 | (651) 203-7765 |
| 9 | Baecker Agency, Inc.: Allstate Insurance | 245 Ruth St N Ste 200 | (651) 730-6666 |
| 10 | Cox Insurance Associates, Inc | 1639 Larpenteur Ave W | (651) 647-0001 |
MN Benefits serves the St. Paul metro area and surrounding Ramsey County as a disability insurance agent. The company assists individuals and families in securing coverage that provides income replacement if an illness or injury prevents them from working. Additionally, it helps local businesses protect their workforce with group disability plans that support employee financial stability during recovery. Specific services handled include short-term disability insurance for temporary setbacks and long-term disability insurance for extended medical leave situations.
HomeServices Insurance, Inc., located in St. Paul, MN, offers disability insurance agent services, helping clients secure coverage to protect their income against unexpected injury or illness. The company assists with policy selection, plan enrollment, and ongoing support for claims and coverage adjustments. By working directly with individuals and local businesses, it ensures clients understand their options for income protection. HomeServices Insurance serves single-family homes, apartments, retail, and restaurants.
With the unpredictable winters and shifting job markets across the Twin Cities metro, many professionals in St Paul prioritize securing their income against unexpected medical leaves. Theisen Escobar Agency assists local residents by offering personalized evaluations of disability insurance options tailored to individual employment situations. They help navigate the complexities of short-term and long-term coverage needs, ensuring clients understand how policies protect their earnings during recovery. A proper disability insurance inspection begins with a thorough review of the client’s current occupation, health history, and income stream.
Debbie Anderson - State Farm Insurance Agent serves the St Paul, Minnesota area and surrounding communities, handling a range of disability insurance needs for local residents and small businesses. The agency typically guides clients through options that protect income during illness or injury. An initial consultation gathers details about individual employment situations and existing coverage. From there, it presents policy choices and explains how they interact with state and employer benefits. It concludes each job by tailoring a plan that balances protection with the client’s financial priorities.
When assisting with disability insurance, clients may choose between one-time policy purchases or recurring service agreements that adjust coverage as needs change. Based in St Paul, MN, Garry Insurancenter operates as a disability insurance agent, helping individuals compare plans and secure income protection for illness or injury situations. Services for new and updated policies are coordinated on an as-needed basis, aligning support with each client's personal application or claim timeline.
As the unpredictable seasons change and medical issues arise without warning in St Paul, Wilebski Insurance Agency provides guidance on disability insurance options tailored to local needs. The agency helps individuals and families understand how income replacement policies can offer protection during times when illness or injury prevents regular work. They assist clients in comparing coverage plans and navigating the often complex application paperwork efficiently. A typical first step involves scheduling a confidential meeting to review current employment benefits and discuss personal financial goals.
Insurance Group works within the St. Paul area to help clients secure financial protection through disability insurance policies. The agency focuses on this specialty line, guiding customers through policy options that replace income if an injury or illness prevents them from working. Standard consultations cover benefit amounts, elimination periods, and policy riders to match individual coverage needs. The firm serves a range of commercial sectors, including offices, warehouses, and food service operations.
As a disability insurance agent in St Paul, MN, Baecker Agency, Inc.: Allstate Insurance specializes in helping residents replace lost income when an injury or illness prevents them from working. The agency guides clients through policy options for short-term and long-term coverage, tailored to individual professions and income levels. This service becomes especially critical during Minnesota’s harsh winter months when slips on ice and cold-weather accidents frequently disrupt employment and household finances.
Cox Insurance Associates, Inc provides disability insurance agency services to residents in the St Paul, Minnesota area, helping individuals protect their income against unforeseen illness or injury. Commercial coverage options are also available for local businesses seeking to safeguard their employees and operations. The agency maintains consistent service throughout the metropolitan region. Repeat service between regular visits is offered to ensure policies remain aligned with changing client needs or life events.
What Does a a Disability Insurance Agent in St Paul Cost?
Disability insurance agent services are typically paid through commissions from the insurance carrier. There is usually no direct fee to you for agent help. Policy premiums vary widely based on age, health, occupation, and benefit amount. A typical individual policy might cost 1% to 3% of your annual income per year. This is general information, not insurance advice.
About disability insurance agents in St Paul
Disability insurance agents in St Paul Minnesota help individuals and businesses find the right coverage. Minnesota law requires specific policy provisions for group disability plans. Local agents can explain how state regulations like the Minnesota Unfair Claims Settlement Practices Act protect you.
Frequently Asked Questions
What does a disability insurance agent in St Paul do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options, benefit periods, and elimination periods. They also assist with policy changes and claims questions.
How do Minnesota laws affect disability insurance?
Minnesota law sets minimum standards for group disability policies under state statute 62A.043. Individual policies must follow the Minnesota Insurance Code. Agents can explain how these laws impact your coverage.
What is the typical timeline for a disability claim in Minnesota?
Minnesota law requires insurers to respond to a claim within 30 days. If more information is needed, they have 45 days to decide. Agents can help you understand these deadlines and prepare your claim.
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