The top-rated disability insurance agent in Dubuque, Iowa is Lane Madsen - State Farm Insurance Agent, rated 5.0 stars across 692 reviews. Other highly rated options include Rachel Davis - State Farm Insurance Agent, New Eagle Insurance, Scott Goins - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Dubuque.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lane Madsen - State Farm Insurance Agent | 75 Locust St | (563) 582-6942 |
| 2 | Rachel Davis - State Farm Insurance Agent | 3030 Asbury Rd | (563) 583-8301 |
| 3 | New Eagle Insurance | 3250 Kennedy Cir #1 | (563) 582-5834 |
| 4 | Scott Goins - State Farm Insurance Agent | 3100 Cedar Crest Ridge Suite 2 | (563) 583-4313 |
| 5 | O'Connor & English Insurance Agency | 1545 Associates Dr #103 | (563) 557-7440 |
| 6 | Dennis L. Baumhover - State Farm Insurance Agent | 2615 Dodge St Ste 1 | (563) 582-1856 |
| 7 | Hollander Insurance Agency Inc. | 815 Century Dr | (563) 556-3334 |
| 8 | Cottingham & Butler | 800 Main St | (563) 583-7301 |
| 9 | Engler & Oberbroeckling Insurance, Inc. | 2430 Meinen Ct | (563) 556-0171 |
| 10 | Dubuque Insurance Services | 205 Kaufmann Ave | (563) 585-0663 |
Lane Madsen - State Farm Insurance Agent serves the Dubuque, Iowa, area as a disability insurance agent. The company helps local residents and professionals protect their income by offering disability coverage that provides financial support if an injury or illness prevents them from working. Each policy is tailored to individual needs, ensuring replacements for a portion of lost wages during recovery. The agency specializes in both short-term and long-term disability insurance solutions for individuals and small business owners in Dubuque.
Rachel Davis - State Farm Insurance Agent provides disability insurance services to clients in the Dubuque area, including policy consultations, coverage evaluations, and claim assistance. The office helps clients understand and select plans that replace income if they cannot work due to injury or illness. Ongoing support is available to review policy changes and update coverage as needs evolve. The company serves single-family homes, apartments, retail, and restaurants.
New Eagle Insurance serves homeowners, local business owners, and self-employed professionals in Dubuque, Iowa who need income protection through disability coverage. The agency provides guidance on individual disability insurance policies designed to replace a portion of lost earnings if illness or injury prevents work. It also assists employers in setting up group disability benefits for their staff. In addition to Dubuque proper, the agency extends its services to residents and businesses in the neighboring community of Asbury.
Scott Goins - State Farm Insurance Agent serves clients in and around Dubuque, Iowa, and the surrounding tri-state area communities. It handles disability insurance matters, focusing on policies that help replace lost income due to injury or illness. The agency works with individuals to understand their employment situations and income needs. For a typical job, it will gather a client’s financial and occupational details to recommend a suitable policy plan and explain the relevant benefit terms and waiting periods.
As work injury and illness rates shift with the changing seasons in Dubuque, skilled labor and office professionals alike face sudden income gaps from unexpected recoveries. O'Connor & English Insurance Agency provides local guidance on financial protection policies that replace a portion of lost wages during such periods. Between initial consultation and plan enrollment, clients complete a straightforward health assessment used to tailor coverage to their specific occupation and routine activities. The process begins with a brief review of current household income and health history to inform the first policy quote.
Dennis L. Baumhover - State Farm Insurance Agent in Dubuque, IA, specializes in disability insurance, helping clients protect their income if illness or injury prevents them from working. The agency also provides general insurance services. Professionals commonly consult the agent to understand policy options covering a portion of lost wages during recovery. This assistance can be particularly valuable during the winter months, when seasonal hazards such as slip-and-fall injuries are more frequent.
Hollander Insurance Agency Inc. in Dubuque, IA assists individuals and businesses with insurance planning. The company specializes in disability insurance to protect income if an injury or illness prevents work. An agent explains policy features such as benefit periods, waiting periods, and coverage amounts to help clients select suitable protection. The agency provides this guidance to professionals in various work environments, including corporate offices, manufacturing warehouses, and food service establishments.
Cottingham & Butler in Dubuque, IA helps individuals distinguish between a one-time disability policy purchase and recurring options that adjust coverage as needs change, tailoring protection to income and occupation. Coverage is structured to replace a portion of earnings if illness or injury prevents work. This agent provides guidance through the initial selection and any later policy adjustments. Service runs on both a one-time and as-needed basis depending on the client’s preference for ongoing updates or a single purchase.
Dubuque Insurance Services is a disability insurance agent known for helping individuals and businesses in Dubuque, IA, secure income protection coverage. The company guides clients through plan options that replace a portion of lost earnings during illness or injury. It serves both employed professionals and self-employed workers seeking financial stability during recovery periods. Policies often integrate with existing workplace benefits or personal savings strategies. An additional specialty service is offering short-term disability add-on riders to bridge coverage gaps between initial illness and long-term policy activation.
What Does a a Disability Insurance Agent in Dubuque Cost?
Disability insurance agent services in Iowa typically do not charge a separate fee because agents earn commissions from insurance carriers. Policy premiums vary based on age, occupation, and coverage amount. For example, a 40-year-old in a professional role might pay 1% to 3% of their annual income for a policy. Costs can differ significantly by case. This is general information, not insurance advice.
About disability insurance agents in Dubuque
Disability insurance agents in Dubuque, Iowa help individuals and businesses secure income protection policies. Iowa law requires disability insurance policies to include a 30-day grace period for premium payments. Agents in Dubuque can guide you through policy options that comply with Iowa insurance regulations.
Frequently Asked Questions
What does a disability insurance agent in Dubuque do?
A disability insurance agent helps you compare policies from different carriers and explains coverage details. They assist with completing applications and can advise on policy features like own-occupation coverage. Agents do not provide legal advice but can help you understand Iowa insurance rules.
How do I choose a disability insurance agent in Dubuque Iowa?
Look for an agent licensed in Iowa with experience in disability insurance. Ask about their familiarity with Iowa insurance laws and the claims process. You can verify an agents license through the Iowa Insurance Division website.
Are there Iowa-specific rules for disability insurance claims?
Yes, Iowa Code section 507B.4 prohibits unfair claim settlement practices. Insurance companies in Iowa must respond to claims within 30 days and pay or deny a claim within 15 days after receiving proof of loss. An agent can explain how these rules apply to your policy.
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