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HomeDisability Insurance AgentsMinnesota › Apple Valley

Find Disability Insurance Agents Near You in Apple Valley, MN

Browse disability insurance agents serving Apple Valley, Minnesota. Updated 2026-07-14.

The top-rated disability insurance agent in Apple Valley, Minnesota is Butler & Associates Insurance Agency, rated 4.9 stars across 243 reviews. Other highly rated options include Joe Etten - State Farm Insurance Agent, Dave Melle - State Farm Insurance Agent, Farmers Insurance - Kara Petter. This directory lists 17 disability insurance agents serving Apple Valley.

Showing 17 disability insurance agents in Apple Valley, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Butler & Associates Insurance Agency14800 Galaxie Ave Suite 208(952) 953-3838
2Joe Etten - State Farm Insurance Agent14501 Granada Dr #101(952) 431-7100
3Dave Melle - State Farm Insurance Agent14831 Energy Way(952) 997-3010
4Farmers Insurance - Kara Petter13000 Pilot Knob Rd Ste 1(952) 432-1967
5Retta Insurance Agency LLC14870 Granada Ave #155(763) 465-1101
6Elfstrum Consulting Inc14799 Energy Way(952) 432-8873
7Mayer Insurance Agency15025 Garrett Ave #201(952) 432-5900
8Debra Suman American Family Insurance14698 Galaxie Ave(952) 953-0900
9Farmers Insurance - Fink Agency14771 Energy Way(651) 288-5633
10Farmers Insurance - James Harris7300 147th St W(706) 829-9750
BA
14800 Galaxie Ave Suite 208
Butler & Associates Insurance Agency
Disability Insurance Agent · Apple Valley, MN

Butler & Associates Insurance Agency serves the Apple Valley area and surrounding communities, specializing in disability insurance agent services. This agency helps local professionals and individuals secure income protection policies that provide financial stability during periods of injury or illness. The team navigates clients through the often complex options available, focusing on long-term disability plans that replace a portion of lost wages. Short-term disability coverage, which helps bridge immediate gaps between illness and return to work, is also a handled service.

JE
14501 Granada Dr #101
Joe Etten - State Farm Insurance Agent
Disability Insurance Agent · Apple Valley, MN

Joe Etten - State Farm Insurance Agent serves homeowners, renters, and small business owners in Apple Valley, Minnesota, looking to protect their income through disability insurance. The agency helps clients understand how disability coverage can replace lost wages if an illness or injury prevents them from working. Policies can be tailored to individual needs, ensuring financial stability during recovery. The agency also provides claims assistance and policy reviews to keep coverage relevant. Service extends to nearby communities such as Burnsville and the broader Dakota County area.

DM
14831 Energy Way
Dave Melle - State Farm Insurance Agent
Disability Insurance Agent · Apple Valley, MN

Dave Melle’s agency in Apple Valley, MN, offers disability insurance agent services designed to help local residents protect their income in case of illness or injury. Coverage plans are tailored to replace a portion of lost earnings, ensuring financial stability during recovery periods. Ongoing policy reviews and claims assistance are provided to help clients adjust their benefits as their needs change. The agency regularly serves policyholders living in single-family homes, apartments, as well as local retail businesses and restaurants.

FI
13000 Pilot Knob Rd Ste 1
Farmers Insurance - Kara Petter
Disability Insurance Agent · Apple Valley, MN

Farmers Insurance - Kara Petter serves the Apple Valley, Minnesota area and surrounding communities as a disability insurance agent. The agency assists individuals with understanding and selecting policies that provide income protection if illness or injury prevents them from working. Clients can discuss their specific needs and financial situations to determine appropriate coverage levels. To handle a typical job, the agency first reviews the client's occupation and income structure before presenting suitable plan options.

RI
14870 Granada Ave #155
Retta Insurance Agency LLC
Disability Insurance Agent · Apple Valley, MN

Retta Insurance Agency LLC in Apple Valley, Minnesota helps clients understand the difference between securing a one-time disability policy and establishing a recurring coverage plan that adjusts as needs change. Disability insurance agents in this area work with individuals to protect income against unforeseen illness or injury, ensuring financial stability during recovery. Personalized coverage options are explained thoroughly to match each client’s occupation and financial situation. Services run on an as-needed basis, allowing clients to revisit their plans whenever life or employment circumstances shift.

EC
14799 Energy Way
Elfstrum Consulting Inc
Disability Insurance Agent · Apple Valley, MN

Elfstrum Consulting Inc specializes in helping clients navigate disability insurance options in Apple Valley, MN, offering personalized guidance on policy selection and coverage planning. The agency works with individuals and businesses to secure income protection tailored to specific needs and budgets. As disability insurance agents, they assist with evaluating short-term and long-term policies, ensuring clients understand benefit terms and waiting periods. This service proves particularly valuable for self-employed professionals or families approaching retirement, where a sudden illness or injury could disrupt financial stability.

MI
15025 Garrett Ave #201
Mayer Insurance Agency
Disability Insurance Agent · Apple Valley, MN

In Apple Valley, where seasonal employment shifts often create gaps in income protection, Mayer Insurance Agency assists residents in evaluating disability insurance options. This firm specializes in matching policies to individual circumstances, emphasizing the need to secure income against unexpected injury or illness. Clients typically meet with agents to discuss coverage durations and benefit amounts tailored to their occupations. As a first step toward financial planning, the agency conducts a comprehensive review of existing policies to identify coverage gaps.

DS
14698 Galaxie Ave
Debra Suman American Family Insurance
Disability Insurance Agent · Apple Valley, MN

Debra Suman American Family Insurance assists individuals and businesses with their insurance needs, specializing as a disability insurance agent in Apple Valley, Minnesota. The agency helps clients select policies that provide income protection during illness or injury. These plans can prevent financial hardship when a person cannot work. The agency’s services are available to various commercial sectors, including office environments, warehouses, and food service operations.

FI
14771 Energy Way
Farmers Insurance - Fink Agency
Disability Insurance Agent · Apple Valley, MN

Farmers Insurance - Fink Agency provides residential disability insurance agent services in Apple Valley, Minnesota, helping homeowners protect their income in case of injury or illness. Commercial coverage is also available for local business owners who need disability policies tailored to their operations. The agency serves Apple Valley and surrounding areas throughout Dakota County. Clients receive regular follow-up between visits to adjust their coverage as life or work circumstances change, ensuring dependable support for ongoing protection needs.

FI
7300 147th St W
Farmers Insurance - James Harris
Disability Insurance Agent · Apple Valley, MN

Farmers Insurance - James Harris in Apple Valley, MN is known for helping local residents navigate the complexities of disability insurance. This agent provides guidance on both short-term and long-term disability policies, focusing on income protection in the event of illness or injury. Serving the greater Apple Valley area, the firm assists individuals in understanding policy terms and coverage options. For added security, this agent can also offer tailored riders like a residual disability benefit.

DS
6990 151st St W
David Simmons Agency
Disability Insurance Agent · Apple Valley, MN
(952) 388-1445
davidsimmonsagency.com
AI
7600 147th St W #102
AAA Insurance - Patrick Bevan Agency
Disability Insurance Agent · Apple Valley, MN
(952) 891-5566
locator.acg.aaa.com/mn/apple-valley/aaa-insurance-patrick-bevan-agency
FI
14540 Pennock Ave #101
Farmers Insurance - Jason Gallus
Disability Insurance Agent · Apple Valley, MN
(952) 255-8589
agents.farmers.com/mn/apple-valley/jason-gallus
GG
203 150th St W
Grcevich Greg Agent State Farm
Disability Insurance Agent · Apple Valley, MN
(952) 432-8654
statefarm.com
HM
14851 Energy Way
Horace Mann Insurance Co
Disability Insurance Agent · Apple Valley, MN
(952) 431-2121
agents.horacemann.com/scottwright
GP
15010 Glazier Ave Ste. 201
Ginther Personal Insurance Agency
Disability Insurance Agent · Apple Valley, MN
(651) 261-8217
gintherpersonalinsurance.com
AB
6520 132nd St W
Anchor Benefit Partners
Disability Insurance Agent · Apple Valley, MN
(763) 234-3973

What Does a a Disability Insurance Agent in Apple Valley Cost?

The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income, so for a $60,000 salary you might pay $600 to $1,800 per year. Factors like age, health, occupation, and benefit amount affect the premium. An Apple Valley agent can provide quotes from multiple carriers. This is general information, not insurance advice.

About disability insurance agents in Apple Valley

Disability insurance agents in Apple Valley, Minnesota help residents protect their income if they cannot work due to injury or illness. Minnesota law requires certain disability policies to include specific provisions, such as a 30-day grace period for premium payments. A local agent can explain how state regulations affect your coverage options.

Frequently Asked Questions

What does a disability insurance agent in Apple Valley do?

A disability insurance agent helps you find and purchase a policy that replaces a portion of your income if you become disabled. They explain policy terms, compare plans from different insurers, and assist with the application process. In Minnesota, agents must be licensed by the state Department of Commerce.

How does Minnesota law affect disability insurance policies?

Minnesota statutes require that individual disability policies include a 30-day grace period and a 10-day free look period. Policies must also cover disabilities resulting from pregnancy unless specifically excluded. An Apple Valley agent can help you understand these legal requirements when choosing a plan.

Can a disability insurance agent help with a claim denial in Minnesota?

While agents primarily help you purchase policies, many can guide you on the claims process and refer you to resources for appeals. Minnesota law gives you 180 days to appeal a denied claim under the Minnesota Uniform Insurance Claims Settlement Practices Act. For complex denials, you may need to consult an attorney or a public adjuster.

Disability Insurance Agents in Other Minnesota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.