The top-rated disability insurance agent in Lakeville, Minnesota is Andrew Wagner - State Farm Insurance Agent, rated 5.0 stars across 182 reviews. Other highly rated options include Robert Joswiak - State Farm Insurance Agent, Miller-Hartwig Insurance, Randy Fulsaas Insurance. This directory lists 17 disability insurance agents serving Lakeville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Andrew Wagner - State Farm Insurance Agent | 10639 165th St W | (952) 898-9777 |
| 2 | Robert Joswiak - State Farm Insurance Agent | 20838 Holyoke Ave | (952) 469-2285 |
| 3 | Miller-Hartwig Insurance | 20960 Holyoke Ave | (952) 469-5502 |
| 4 | Randy Fulsaas Insurance | 20960 Holyoke Ave | (952) 469-0411 |
| 5 | Farmers Insurance - Robert Curtis | 19950 Dodd Blvd STE 104 | (952) 985-9800 |
| 6 | Radle Insurance Services | 10609 165th St W | (952) 435-3622 |
| 7 | Lakeville Insurance Agency | 9202 202nd St W #200 | (952) 469-4644 |
| 8 | Kohlnhofer Agency | 20730 Holyoke Ave | (952) 469-4968 |
| 9 | Korba Insurance Group Inc | 20686 Holyoke Ave | (952) 469-2228 |
| 10 | Power Insurance Agency MN | 8360 208th St W | (952) 698-1221 |
Andrew Wagner - State Farm Insurance Agent serves the Lakeville, Minnesota area and surrounding Dakota County communities as a disability insurance agent. This office helps local residents understand how disability coverage can protect their income if an illness or injury prevents them from working. The agents work with individuals to evaluate personal needs and explain different plan options. They specifically assist clients with both short-term disability policies and long-term disability insurance options.
Robert Joswiak - State Farm Insurance Agent in Lakeville, MN, provides disability insurance services alongside a full range of personal coverage options. The agency helps clients assess their risk of income loss due to illness or injury and offers tailored policy plans to protect their earnings. Ongoing service includes annual policy reviews to adjust coverage as personal circumstances change. It serves single-family homes, apartments, retail, restaurants, and other local businesses.
Serving homeowners, business owners, and property managers throughout Lakeville, Minnesota, Miller-Hartwig Insurance provides disability insurance agent services. It advises clients on policies that replace lost income when illness or injury prevents work. Each case is assessed individually to match coverage with a client’s occupation and financial needs. The firm also assists with policy renewals and claims management to ensure continuous protection. Additionally, it extends its reach to those in the Burnsville area and surrounding southern metro communities.
Randy Fulsaas Insurance serves clients in Lakeville, Minnesota, and the surrounding communities within the southern metro area. It handles applications for disability insurance policies designed to replace a portion of income if a medical condition prevents work. As a local agent, it assesses typical income levels and workplace duties to present suitable policy options from various carriers. To manage a typical client engagement, the agent first gathers financial and occupational details, then compares coverage terms from providers.
Farmers Insurance - Robert Curtis in Lakeville, MN assists clients in distinguishing between individual disability policies, which provide ongoing income replacement, and employer-sponsored group plans that may offer limited coverage. As a disability insurance agent, the agency evaluates local employment risks and personal financial needs to secure benefits protecting against lost wages due to illness or injury. Consultations address temporary versus long-term care options. Service is provided on a one-time consultation basis for plan selection and policy setup.
Radle Insurance Services specializes in disability insurance guidance, assisting clients in Lakeville, Minnesota, with protection against income loss. The agency works with individuals and professionals to evaluate policies that replace wages during illness or injury. It helps clients understand waiting periods, benefit durations, and coverage options tailored to their financial needs. As local tax season approaches, a spring policy review can ensure coverage remains aligned with any recent changes in compensation or employment status.
As winter in Lakeville often brings concerns about income stability when illness or injury strikes, Lakeville Insurance Agency helps residents explore disability coverage options tailored to their local needs. This agency advises clients on policies that replace lost wages during recovery periods. Their process begins with a straightforward consultation to review an individual’s current earnings and job duties, followed by an initial assessment of available plans that fit specific budget and lifestyle requirements.
The Kohlnhofer Agency works with individuals and businesses throughout the Lakeville, Minnesota area to secure income protection solutions. Its specific specialty includes disability insurance coverage designed to replace earnings if injury or illness prevents work. Policy options can also address mortgage payments and other regular household obligations. The agency serves professionals in commercial settings including corporate offices, warehouse and distribution facilities, and food service operations.
Serving residents in Lakeville, Korba Insurance Group Inc handles individual disability insurance needs, offering policies designed to protect personal income during illness or injury. The company also arranges commercial disability coverage for local businesses seeking to safeguard their operations. Their service area extends across the surrounding communities of Dakota County. Clients are guided through policy options during an initial consultation, and return visits are scheduled to adjust coverage as personal or business circumstances evolve between regular check-ins.
Power Insurance Agency MN in Lakeville, MN is known for helping individuals protect their income through disability insurance. The agency serves clients across the region, offering guidance on short-term and long-term disability policies tailored to different occupations and needs. Policies can replace a portion of lost earnings due to illness or injury. A specialty service it can add on is a residual disability rider, which pays partial benefits if a client returns to work with reduced income.
What Does a a Disability Insurance Agent in Lakeville Cost?
The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income. For a 35-year-old earning $60,000 per year, a policy may cost $50 to $150 per month. Premiums vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Lakeville
Disability insurance agents in Lakeville, Minnesota help individuals and businesses find coverage that protects income if injury or illness prevents work. Minnesota law requires agents to be licensed by the state Department of Commerce. Many Lakeville agents understand local industries like healthcare and retail in Dakota County.
Frequently Asked Questions
What does a disability insurance agent in Lakeville do?
A disability insurance agent in Lakeville helps you compare policies from different carriers. They explain policy terms, exclusions, and benefit periods. They do not provide legal advice or handle claims disputes.
Are there Minnesota laws that affect disability insurance?
Yes, Minnesota Statute 62A.041 requires certain disability policies to include a 30-day free look period. Also, Minnesota law prohibits unfair claims practices under Chapter 72A. Agents must follow these rules.
How do I choose a disability insurance agent in Lakeville?
Look for an agent licensed in Minnesota with experience in individual or group disability plans. Ask about their familiarity with policies that cover own-occupation or residual benefits. Check their standing with the Minnesota Department of Commerce.
Disability Insurance Agents in Other Minnesota Cities
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