The top-rated disability insurance agent in St Michael, Minnesota is Derek Brant - State Farm Insurance Agent, rated 4.9 stars across 68 reviews. Other highly rated options include EMEX Benefit Systems, Bruce A. McKimmy, Ltd, CareWise Insurance MN. This directory lists 10 disability insurance agents serving St Michael.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Derek Brant - State Farm Insurance Agent | 112 Central Ave E | (763) 497-4940 |
| 2 | EMEX Benefit Systems | 4575 Mason Ave NE | (763) 478-9050 |
| 3 | Bruce A. McKimmy, Ltd | 517 Dogwood Ave NW | (612) 324-0369 |
| 4 | CareWise Insurance MN | 28 Main St S | (763) 220-1479 |
| 5 | Zachman Insurance Agency Inc | 12725 43rd St NE #101 | (763) 497-2430 |
| 6 | Nationwide Insurance: All Insurance Services, Inc. | 213 Meadowlark Rd SE | (763) 497-2247 |
| 7 | Superior Financial Group | 13580 44th St NE | (612) 382-8949 |
| 8 | Metro Benefits Group LLC | 705 Central Ave E | (612) 520-1677 |
| 9 | Mark Zachman - Prudential Financial | 249 Central Ave E #2 | (763) 497-9213 |
| 10 | Creekside Insurance Solutions | 705 Central Ave E r11 | (763) 412-1995 |
Derek Brant’s State Farm Insurance Agency serves the St. Michael, Minnesota, area and provides disability insurance products to local residents. An agent in this role helps individuals and families protect their income against unexpected illness or injury that prevents work. Policies typically offer partial or full replacement of lost earnings during recovery periods. The firm also assists clients with related coverage needs such as supplemental health plans and critical illness insurance tailored to the surrounding community.
EMEX Benefit Systems provides disability insurance agent services to individuals and businesses in St Michael, MN. Its offerings include policy evaluation, coverage analysis, and income protection planning for clients seeking financial security against illness or injury. The company assists with application processes, claim support, and periodic policy reviews to help maintain appropriate coverage levels over time. Service options encompass both initial policy setup and ongoing consultation for adjustments as needs evolve. They service single-family homes, apartments, retail businesses, and restaurants.
Bruce A. McKimmy, Ltd serves St. Michael and the surrounding Wright County area as a Disability Insurance Agent. The company helps individuals and professionals secure income protection policies that replace a portion of earnings if illness or injury prevents them from working. It assists clients in evaluating policy terms, waiting periods, and benefit durations to match their specific occupations and financial needs. This agent handles both short-term and long-term disability insurance plans for local residents and small businesses.
Serving St. Michael and the surrounding communities in Minnesota, CareWise Insurance MN handles disability insurance for local residents. This agency works with individuals to help secure coverage that can replace a portion of income if an injury or illness prevents them from working. The typical job involves assessing a client’s current employment and financial situation to recommend a suitable policy from available options, then managing the application and underwriting process from start to finish.
Zachman Insurance Agency Inc in St Michael, MN offers dedicated disability insurance agent services, focusing on helping local professionals protect their income from unexpected illness or injury. It works with individuals to evaluate their coverage needs and select appropriate policies designed to replace lost earnings during recovery periods. The agency is particularly helpful when workers face seasonal layoffs or short-term medical conditions that threaten financial stability.
Nationwide Insurance: All Insurance Services, Inc. in St Michael, MN distinguishes between initial applications for disability coverage and ongoing policy management after approval. As a disability insurance agent, the firm assists individuals in understanding policy terms and navigating claims for income protection during illness or injury. The office typically provides service on an as-needed basis, responding to client requests for policy reviews or claim support without a fixed schedule for contact.
As winter approaches in St Michael, many residents reconsider their financial safeguards against unexpected illness or injury. Superior Financial Group addresses this need by providing disability insurance coverage that helps replace lost income when a client cannot work. An agent reviews each individual's employment situation and monthly obligations to craft a policy aligned with their specific circumstances. The process begins with an initial assessment that examines current income, available employer benefits, and personal savings to determine necessary protection levels.
Metro Benefits Group LLC works across the St Michael area to connect individuals and businesses with income protection coverage. As a disability insurance agent, the company focuses on helping clients secure policies that replace lost earnings due to illness or injury. This specialty work can serve a variety of commercial sectors, including office environments, warehouse operations, and food service settings.
Mark Zachman of Prudential Financial in St. Michael, MN, serves individual clients with personalized disability insurance to protect household income. The agency also offers commercial disability coverage tailored for small and medium-sized businesses in the St. Michael area and surrounding communities. Clients can expect clear explanations of policy options during an initial consultation, with ongoing support available anytime changes in health or employment occur. Many customers schedule follow-up appointments between their regular annual reviews to adjust coverage as life circumstances shift.
Creekside Insurance Solutions in St Michael, Minnesota, is known for connecting residents with disability insurance policies that replace lost income if injury or illness prevents work. The company serves individuals and small businesses seeking reliable coverage tailored to occupations and lifestyles. It guides clients through the complexities of short-term and long-term disability plans, emphasizing clear explanations of policy benefits and waiting periods. For additional protection, Creekside can help clients explore optional riders such as cost-of-living adjustments to keep benefits aligned with inflation over time.
What Does a a Disability Insurance Agent in St Michael Cost?
Disability insurance premiums in Minnesota typically range from 1% to 3% of your annual income. For a 35-year-old professional earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs depend on age, health, occupation, and policy features. This is general information, not insurance advice.
About disability insurance agents in St Michael
Disability insurance agents in St Michael, Minnesota help individuals and businesses find coverage that meets state requirements. Minnesota law does not mandate private disability insurance, but agents can explain options for short-term and long-term policies. Local agents understand the needs of workers in Wright County and the greater Twin Cities area.
Frequently Asked Questions
What does a disability insurance agent in St Michael do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods, elimination periods, and definitions of disability. They do not provide legal advice but can guide you through the application process.
Are there Minnesota-specific rules for disability insurance policies?
Yes, Minnesota Statutes Chapter 62A regulates individual disability insurance policies. Policies must include a free-look period of at least 10 days. Agents in St Michael must be licensed by the Minnesota Department of Commerce.
How do I choose a disability insurance agent in St Michael?
Look for an agent with experience in disability coverage and a valid Minnesota license. Ask about their familiarity with policies from major carriers like Guardian, Principal, or MassMutual. Check reviews and verify their standing with the Minnesota Department of Commerce.
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