The top-rated disability insurance agent in Minot, North Dakota is Jessica Aardahl - State Farm Insurance Agent, rated 5.0 stars across 277 reviews. Other highly rated options include Michael A Lucy Agency Inc American Family Insurance, Kim Albert Agency: Allstate Insurance, Farmers Insurance - Miranda Schuler. This directory lists 20 disability insurance agents serving Minot.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jessica Aardahl - State Farm Insurance Agent | 2151 36th Ave SW Suite C | (701) 839-3436 |
| 2 | Michael A Lucy Agency Inc American Family Insurance | 605 31st Ave SW #2 | (701) 852-1078 |
| 3 | Kim Albert Agency: Allstate Insurance | 2825 S Broadway Ste 2 | (701) 852-1460 |
| 4 | Farmers Insurance - Miranda Schuler | 811 S Broadway Ste B | (701) 838-8144 |
| 5 | Heritage Insurance Services | 2201 36th Ave SW unit a | (701) 858-7100 |
| 6 | Pinnacle Employee Benefits | 710 31st Ave SW STE 3 | (701) 858-0058 |
| 7 | Randall Schepp Agency Inc American Family Insurance | 605 31st Ave SW #2 | (701) 852-1078 |
| 8 | Jada Jay- Nodak Insurance Company | 1821 W Burdick Expy Suite G | (701) 852-5250 |
| 9 | Nodak Insurance Company: Lana Schepp | 24 1st St NE | (701) 837-0795 |
| 10 | Western Agency Inc. | 408 20th Ave SW STE 101 | (701) 852-5383 |
Jessica Aardahl - State Farm Insurance Agent serves clients in the Minot, ND area as a disability insurance agent. The company helps individuals secure income protection through disability policies designed to replace lost earnings during an illness or injury that prevents work. These plans are selected based on personal needs and coverage limits. The office also assists with life insurance coverage that can complement disability protection when building a comprehensive financial safety net. Services include evaluating short‑term and long‑term disability insurance options.
Michael A Lucy Agency Inc American Family Insurance serves homeowners, renters, and small business owners in Minot, North Dakota, offering disability insurance agent services to help protect personal income against unexpected medical events. The agency works with individuals to explore coverage options tailored for long-term or short-term disability needs. It regularly assists clients throughout the Minot area, providing guidance on policy details and claims support. The company also covers neighboring communities such as Burlington, with service extending throughout Ward County.
Kim Albert Agency: Allstate Insurance in Minot, ND, offers disability insurance services to protect local income. The agency helps clients understand policy options for replacing lost earnings if they cannot work due to illness or injury. It assists with comparing coverage levels and explaining waiting periods. Ongoing support is available for claims filing and policy adjustments when life circumstances change over time. The agency serves individuals and business owners, including those with single-family homes, apartments, retail locations, and restaurants.
Serving Minot and the surrounding communities in north-central North Dakota, Farmers Insurance - Miranda Schuler handles disability insurance policies. These plans help replace a portion of income if sickness or injury prevents an agent’s client from working. The agent works closely with individuals to explain different coverage options and policy limitations. For a typical job, the professional gathers relevant income and health details from the client to review available benefit periods and elimination periods for various policy structures.
Heritage Insurance Services in Minot, ND offers clients the choice between a single consultation for immediate disability insurance needs and an ongoing service relationship for evolving coverage adjustments. This agency helps individuals select policy types that provide income replacement if illness or injury prevents work. The coverage options address concerns specific to local employment sectors. Client service is provided strictly on an as-needed basis, allowing policyholders to reach out only when their circumstances or questions arise.
Pinnacle Employee Benefits specializes in helping individuals secure disability income protection, and also provides general guidance on navigating group and individual disability policies. As a disability insurance agent in Minot, ND, it assists clients in understanding policy terms and coverage options suited to their personal circumstances. This service is particularly valuable for workers in agriculture or energy sectors who face heightened physical demands, especially during unpredictable North Dakota winters when injury risks increase.
Winter in Minot brings icy sidewalks and slick driveways, raising the risk of slips that can leave a resident unable to work. Randall Schepp Agency Inc American Family Insurance helps local policyholders prepare for such income-threatening events through tailored disability insurance plans in the area. Their agents focus on explaining how loss of a paycheck due to injury or illness could be managed financially. An initial assessment by the agency reviews an individual’s current coverage gaps and typical monthly expenses.
Serving residential clients in Minot, Jada Jay- Nodak Insurance Company advises homeowners on protecting their income against unforeseen disabilities. For commercial clients, the agency structures coverage to safeguard local business continuity in the event of an owner’s or key employee’s extended medical leave. Serving all of Minot and the surrounding areas of north-central North Dakota, the company assists clients in updating existing policies or filing claims during their regular semiannual planning visits and offers follow-up service between those appointments to address any life changes.
Nodak Insurance Company, represented by Lana Schepp in Minot, North Dakota, is known for providing disability insurance agent services to local residents. The company helps clients understand and select policies that offer income protection in case of illness or injury. It guides individuals through the process of assessing their coverage needs, comparing plan options, and filing applications. A specialty service it can add on is offering assistance with group disability plans for small businesses in the surrounding area.
Western Agency Inc. provides disability insurance representation to individuals and businesses in Minot, North Dakota. The firm specializes in helping clients secure coverage that replaces a portion of lost income if an illness or injury prevents them from working. It assists both professionals and small business owners in understanding the specific policy features that best match their needs. Western Agency Inc. can serve a range of commercial sectors including offices, warehouses, and food service establishments throughout the local community.
What Does a a Disability Insurance Agent in Minot Cost?
Typical costs for disability insurance in North Dakota range from 1 percent to 3 percent of your annual income for individual policies. For a 40-year-old earning 50000 per year a policy might cost between 500 and 1500 annually. Group plans through employers are often cheaper but less customizable. Costs vary by age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Minot
A disability insurance agent in Minot North Dakota helps individuals and businesses find coverage that protects income if you cannot work. North Dakota law requires certain policy provisions under Title 26.1 of the state code. Local agents understand the needs of workers in Minot including those in agriculture energy and healthcare sectors.
Frequently Asked Questions
What does a disability insurance agent in Minot do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and definitions of disability. They also assist with filing claims and understanding your policy terms.
How do North Dakota laws affect disability insurance?
North Dakota law requires disability insurance policies to include a grace period of at least 31 days. Policies must also provide a free look period of 10 days. Agents must follow state licensing rules set by the North Dakota Insurance Department.
What types of disability insurance are available in Minot?
Short-term and long-term disability insurance are common options. Some policies cover own-occupation disability while others use any-occupation definitions. Group plans through employers and individual policies are both available in North Dakota.
Disability Insurance Agents in Other North Dakota Cities
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