The top-rated disability insurance agent in Winona, Minnesota is Schmit Insurance Group, rated 5.0 stars across 239 reviews. Other highly rated options include Anthony Vote - State Farm Insurance Agent, A.J. Kanz American Family Insurance, Strategic Insurance Group. This directory lists 20 disability insurance agents serving Winona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Schmit Insurance Group | 1159 Gilmore Ave #3 | (507) 458-0007 |
| 2 | Anthony Vote - State Farm Insurance Agent | 1201 Gilmore Ave Ste F-6 | (507) 452-9270 |
| 3 | A.J. Kanz American Family Insurance | 163 Walnut St | (507) 454-4638 |
| 4 | Strategic Insurance Group | 157 W 3rd St Suite E | (507) 858-5365 |
| 5 | Steve Young Agency Inc American Family Insurance | 1502 W Service Dr | (507) 454-1185 |
| 6 | Wunderlich Insurance Agency | 601 Main St | (507) 454-3348 |
| 7 | Farm Bureau Financial Services: Steve Jansen | 163 W 2nd St | (507) 615-5166 |
| 8 | Farmers Insurance - David Jensen | 350 E Sarnia St Ste 5 | (507) 474-7005 |
| 9 | WA Group (formerly Winona Agency) | 174 Center St | (507) 452-3366 |
| 10 | Farmers Insurance - Jason Banitt | 103 W Broadway St | (507) 452-5916 |
Schmit Insurance Group serves the Winona, Minnesota area, providing disability insurance agent services to local individuals and businesses. It helps clients understand and obtain coverage that replaces a portion of their income if they become unable to work due to illness or injury. The company assists with short-term disability policies for temporary recovery periods and long-term disability policies for more extended or permanent conditions.
Anthony Vote - State Farm Insurance Agent in Winona, MN, offers a range of disability insurance services to help protect clients against loss of income due to illness or injury. The agency provides personalized consultations to assess individual coverage needs and assists with policy selection and application. Ongoing support includes policy reviews and claims assistance. The agent serves homeowners in single-family residences as well as apartment tenants, retail businesses, and restaurant owners throughout the local area.
Homeowners, renters, and local business owners in Winona, Minnesota, turn to A.J. Kanz American Family Insurance for disability insurance agent services. This agency helps clients secure income protection policies that replace a portion of earnings if illness or injury prevents them from working. They guide customers through plan options suited to individual financial situations and occupational needs. Standard policy features and local coverage details are discussed during consultations. The agency also extends its services to nearby Winona area communities.
Strategic Insurance Group serves Winona, Minnesota, and the surrounding communities, handling disability insurance policies for local residents and businesses. It helps clients understand how disability coverage protects their income if they become unable to work due to illness or injury. The agency evaluates each individual’s occupation and financial situation to recommend appropriate plans from different carriers. To handle a typical job, it begins by reviewing a client’s current coverage and explaining policy options in clear, straightforward terms.
The company offers both one-time consultations for immediate disability income questions and recurring service schedules for ongoing policy reviews. Steve Young Agency Inc American Family Insurance assists clients in Winona, MN, by evaluating coverage needs for short-term and long-term disability protection. The agent explains how benefits replace a portion of lost wages during illness or injury. Services run on a one-time, scheduled, or as-needed basis, with flexibility to adjust the frequency based on changes in income or employment status.
Wunderlich Insurance Agency specializes in helping clients select disability income protection policies that replace a portion of lost earnings. It serves professionals and self-employed individuals throughout the Winona, Minnesota, area by reviewing coverage options for both short-term and long-term needs. The agency guides applicants through underwriting requirements and policy features. This tailored service becomes particularly valuable when seasonal work slowdowns or a sudden injury threatens an individual’s primary source of household income.
As winters in Winona bring concerns about income security during recovery from seasonal injuries, Farm Bureau Financial Services: Steve Jansen assists residents with disability insurance options tailored to local needs. Policies in this region often address coverage for accidents on icy surfaces or lingering cold-weather ailments that interrupt work. The agent provides guidance through the process of selecting a plan that maintains financial stability until a return to full health. An initial assessment of personal coverage gaps and risk factors is scheduled to begin the enrollment process.
Farmers Insurance - David Jensen serves Winona, Minnesota residents, offering disability insurance coverage to protect personal income during illness or injury. Commercial disability policies are also available for local businesses needing employee protection. Service extends throughout the Winona area, providing guidance on policy options to match individual circumstances. Clients often return when their needs change or require follow-up between regular visits to update coverage details.
WA Group, based in Winona, Minnesota, provides individual and group disability insurance solutions. As the successor firm to Winona Agency, its primary focus is helping clients protect their income against unexpected illness or injury. These insurance policies can be tailored to replace a portion of lost wages during a period of disability. The firm serves a range of commercial sectors, including corporate offices, regional warehouses, and local food service establishments.
Farmers Insurance - Jason Banitt in Winona, MN, serves clients as a disability insurance agent focused on income protection strategies. The agency assists individuals in understanding how disability coverage can safeguard their earnings during unexpected health events. General consultations include evaluating policy options for short-term and long-term needs. Additional services involve reviewing existing disability plans to identify gaps in coverage. The agency can also coordinate disability insurance with other personal insurance lines for a more comprehensive plan.
What Does a a Disability Insurance Agent in Winona Cost?
Disability insurance premiums in Minnesota typically range from 1 percent to 3 percent of your annual income. For a 40-year-old in Winona a policy with a 90-day elimination period may cost between 50 and 150 dollars per month. Costs vary based on age, occupation, health, and benefit amount. This is general information not insurance advice.
About disability insurance agents in Winona
Disability insurance agents in Winona Minnesota help individuals and businesses secure income protection policies. Minnesota law requires insurers to follow specific claim handling rules under state statute 62A. Agents can guide you through policy selection and claims processes. Local knowledge of Winona employers and health systems is valuable.
Frequently Asked Questions
What does a disability insurance agent in Winona do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit amounts, elimination periods, and own-occupation definitions. Agents also assist with filing claims and understanding Minnesota insurance regulations.
How do Minnesota disability insurance laws affect my policy?
Minnesota statute 62A requires insurers to act in good faith when handling claims. The state also mandates a 60-day notice period for policy cancellations. An agent can explain how these rules protect you in Winona.
Can a disability insurance agent help with an appeal?
Yes an agent can review your denial letter and suggest next steps. They may help gather medical records and submit a formal appeal. For complex cases they might recommend consulting a lawyer who specializes in Minnesota disability law.
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