The top-rated disability insurance agent in Grand Forks, North Dakota is Farmers Insurance - Don Zerr Agency, rated 4.8 stars across 44 reviews. Other highly rated options include Insurance Brokers of MN Inc, Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl, Dobmeier Inc.. This directory lists 19 disability insurance agents serving Grand Forks.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Don Zerr Agency | 1407 24th Ave S #206 | (701) 757-0763 |
| 2 | Insurance Brokers of MN Inc | 1551 28th Ave S Suite M | (701) 772-1466 |
| 3 | Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl | 1551 28th Ave S | (701) 757-5757 |
| 4 | Dobmeier Inc. | 409 Gateway Dr | (701) 775-6836 |
| 5 | Vaaler Insurance, a Marsh & McLennan Agency LLC Company | 2701 S Columbia Rd | (800) 553-4291 |
| 6 | Moen Insurance Services, LLC | 1913 S Washington St | (701) 757-1613 |
| 7 | Jeremy Fulton Agency Inc American Family Insurance | 1220 S Washington St | (701) 746-1919 |
| 8 | Farmers Insurance - Tyson Terhark | 1726 S Washington St Ste 30 | (701) 772-7108 |
| 9 | Tyler Nagel Agency LLC American Family Insurance | 2665 24th Ave S | (701) 775-4264 |
| 10 | Thompson-Schaefer Insurance Agency | 311 S 4th St #102 | (701) 775-4626 |
Farmers Insurance - Don Zerr Agency serves the Grand Forks, North Dakota, metro area with disability insurance agent services. This agency helps local residents and business owners understand how disability coverage can replace a portion of income if illness or injury prevents them from working. Policies are tailored to individual occupational risks and financial situations. The agency also assists clients in navigating short-term disability plans for temporary recovery periods and long-term disability options for more extended health challenges.
Insurance Brokers of MN Inc serves homeowners, businesses, and property managers throughout the Grand Forks area who need disability income protection. It helps clients secure coverage that replaces a portion of lost wages if an injury or illness prevents them from working. The agent guides small business owners in setting up group disability plans for their employees. Policies are tailored to suit local professionals such as contractors and medical practitioners. The company also assists residents and commercial operators in East Grand Forks, Minnesota, with their disability insurance needs.
Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl provides disability insurance agent services to individuals and businesses throughout the Grand Forks, ND area. Its range of services includes helping clients understand policy options and assisting with claims for lost income due to illness or injury. The firm offers ongoing service to review coverage needs and maintain policies. It serves properties such as single-family homes, apartments, retail locations, and restaurants.
Serving Grand Forks and the surrounding communities of eastern North Dakota, Dobmeier Inc. specializes in disability insurance agent services. The firm assists local professionals and small business owners in evaluating income protection plans tailored to specific occupational needs and personal health histories. It handles the process of comparing policy options for both short-term and long-term disability coverage available in the region. To complete a typical job, the agents first gather detailed financial and medical information from the client, then present several policy quotes that match the individual’s coverage requirements.
Vaaler Insurance, a Marsh & McLennan Agency LLC Company in Grand Forks, ND, differentiates between one-time consultation services to assess a client’s immediate disability coverage needs and recurring policy reviews to adjust as income or employment changes. These services help individuals select plans that replace lost income during illness or injury. Coverage includes both short-term and long-term disability policies tailored to local professionals. Service runs on a scheduled basis for ongoing policy management, with as-needed support available for unexpected claims or life changes.
Moen Insurance Services, LLC, located in Grand Forks, ND, specializes in helping individuals secure disability insurance to protect their income. The agency works with clients to understand policy options that provide financial stability if illness or injury prevents work. It serves professionals and business owners by explaining coverage choices and filing processes. During the long North Dakota winter months, risk of slips and cold-related injuries increases, making the protection of a disability policy a particularly relevant consideration.
Winter storms in Grand Forks often lead to slips and falls that can disrupt a household’s income. Jeremy Fulton Agency Inc American Family Insurance assists local residents by structuring disability insurance policies that provide income replacement during recovery periods following an accident or illness. This agency evaluates each client’s unique employment situation and health factors to recommend personalized coverage. An initial consultation typically involves reviewing current financial obligations and potential future medical needs to determine the appropriate benefit amount and elimination period.
Farmers Insurance - Tyson Terhark provides disability insurance coverage to clients in Grand Forks, North Dakota, and the surrounding area. The agency specializes in helping individuals and businesses obtain policies designed to replace lost income due to injury or illness. These services are tailored to protect financial stability during unforeseen medical circumstances. The company can serve a variety of commercial sectors, including professional offices, distribution warehouses, and local food service establishments.
Located in Grand Forks, ND, Tyler Nagel Agency LLC American Family Insurance serves residential clients seeking disability income protection. The agency also provides commercial coverage options, ensuring policyholders throughout the local area receive tailored guidance. A disability insurance agent helps individuals and business owners secure financial support in case of illness or injury. This firm handles initial consultations and policy set-up, with follow-up or repeat service available between regular visits to adjust plans as needs change.
Thompson-Schaefer Insurance Agency, the Grand Forks disability insurance agent, assists local residents in selecting policies that replace a portion of lost income when illness or injury prevents work. The firm guides clients through benefit waiting periods and policy definitions related to their specific occupations. Services extend to individual long-term disability plans for professionals and self-employed individuals. Customized short-term disability coverage can be structured as a separate add-on policy.
What Does a a Disability Insurance Agent in Grand Forks Cost?
Disability insurance agent services in North Dakota typically do not charge a separate fee because they earn commissions from insurance carriers. Premiums for individual disability policies in Grand Forks can range from 1% to 3% of your annual income per year. Group policies through employers may have lower costs. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Grand Forks
Disability insurance agents in Grand Forks, North Dakota help individuals and businesses find policies that protect income if you cannot work. North Dakota law requires agents to be licensed through the North Dakota Insurance Department. Local agents can explain how state-specific rules affect your coverage and claims process.
Frequently Asked Questions
What does a disability insurance agent in Grand Forks do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit terms, elimination periods, and coverage limits. They also assist with filing claims and understanding your policy rights under North Dakota law.
How do I choose a disability insurance agent in Grand Forks?
Look for an agent licensed in North Dakota with experience in disability coverage. Ask about their familiarity with local employers and group plans. Check their standing with the North Dakota Insurance Department.
What North Dakota laws affect disability insurance claims?
North Dakota law requires insurers to respond to claims within 30 days. If a claim is denied, you have the right to request a written explanation. The state also has a consumer complaint process through the Insurance Department.