The top-rated disability insurance agent in Fargo, North Dakota is Far North Insurance, rated 4.9 stars across 204 reviews. Other highly rated options include Grand Slam Insurance, Dixon Insurance, Summit Insurance Agency. This directory lists 16 disability insurance agents serving Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Far North Insurance | 3357 39th St S # 1 | (701) 237-6651 |
| 2 | Grand Slam Insurance | 1205 16th Ave S | (701) 356-3265 |
| 3 | Dixon Insurance | 3101 39th St S suite a | (701) 281-8200 |
| 4 | Summit Insurance Agency | 5302 51st Ave S Unit C | (701) 390-1994 |
| 5 | OnPoint Insurance Services | 3575 45th St S Suite #100 | (701) 353-2592 |
| 6 | Sarah Herlihy Agency - Nodak Insurance Company | 4141 31st Ave S Suite 105 | (701) 566-2128 |
| 7 | FM Insurance | 428 25th St S | (701) 271-8110 |
| 8 | Dawson Insurance Agency | 505 Broadway N Suite 100 | (701) 237-3311 |
| 9 | RJ Bailey Insurance Center | 3611 Lincoln St S Ste C | (701) 356-7001 |
| 10 | Progressive | 3611 Lincoln St S Ste C | (701) 356-7001 |
Far North Insurance serves the Fargo, North Dakota, metro and Cass County area, specializing in disability insurance agent services. The firm assists local residents and professionals in understanding how disability coverage can replace lost income if an illness or injury prevents them from working. They guide clients through policy options tailored to individual occupations and earnings. The agency handles both short-term disability policies for temporary recovery periods and long-term disability coverage for extended or permanent situations.
Grand Slam Insurance in Fargo, ND offers a range of disability insurance agent services, including initial policy consultations to assess individual coverage needs. The agency also provides ongoing support for policy maintenance, such as reviewing benefit terms and assisting with claims filing. It works with clients to understand the financial implications of long-term income loss. The company serves a variety of property owners, including single-family homeowners, apartment management firms, retail businesses, and restaurant operators.
Dixon Insurance serves Fargo, North Dakota, and the surrounding communities across Cass County and the Red River Valley. As a disability insurance agent, it handles applications for individual and group disability policies that provide income protection for local workers. The firm focuses on assessing each client’s occupation, current coverage gaps, and long-term financial needs. Its general approach involves reviewing policy options from several carriers, explaining waiting periods and benefit durations, and then helping the client select a plan that fits their budget and situation.
Summit Insurance Agency in Fargo, ND assists clients with disability insurance, addressing both the initial purchase of a policy and ongoing coverage adjustments. The application process requires a single appointment to review income protection needs and policy terms. Ongoing client needs include policy renewals, benefit changes, or adjustments after a life event. This service runs on an as-needed basis, with clients contacting the agent when coverage review or policy changes are required rather than following a fixed schedule.
Based in Fargo, OnPoint Insurance Services provides tailored disability insurance policies that protect income when illness or injury prevents work. The agency serves clients across the region, evaluating individual coverage needs to plan for temporary or permanent disability challenges. Each policy is designed to replace a portion of lost earnings, helping ensure financial stability during recovery. The company frequently assists local professionals who face extended recovery from seasonal accidents, such as those occurring during winter snow removal.
With Fargo winter weather disrupting routines, many local workers worry about potential lost income due to illness or injury. The Sarah Herlihy Agency, operating as Nodak Insurance Company in Fargo, offers disability insurance coverage tailored to safeguard personal earnings during recovery. Clients typically discuss their occupation and current benefits during an initial consultation to assess potential gaps in protection. The process begins with a straightforward pre-application review to identify suitable policy options.
For homeowners, landlords, and small business operators throughout Fargo, FM Insurance provides disability insurance agent services. It helps clients secure income protection policies that replace lost wages if an illness or injury prevents them from working. The agency guides customers through plan options suited to individual financial situations and local employment needs. Many of these residents commute from nearby West Fargo, and FM Insurance also serves policyholders in that neighboring community.
Dawson Insurance Agency in Fargo, ND helps individuals and businesses evaluate their income protection needs through disability insurance. The agency’s work focuses on structuring coverage that replaces a portion of lost earnings if a health issue prevents someone from working. By examining clients’ occupations and financial obligations, the agency tailors policies to address specific risk exposures. Its services are available to local commercial operations, including offices, warehouses, and food service establishments.
RJ Bailey Insurance Center in Fargo, ND serves local residents with personalized disability insurance solutions tailored to individual income protection needs. The agency also assists commercial clients in the Fargo area, helping business owners safeguard key employees against potential lost earnings from injury or illness. Regular policy reviews are available to adjust coverage as life circumstances evolve, ensuring each plan remains relevant. After claims are processed or policies updated, clients can schedule follow-up appointments to confirm continued suitability between the agent’s standard service visits.
Progressive, located in Fargo, North Dakota, is a disability insurance agent known for helping individuals protect their income against unexpected illness or injury. The firm assists local professionals, self-employed workers, and small business owners in selecting appropriate coverage plans tailored to individual financial situations and occupational risks. By guiding clients through complex policy options, it ensures a clear understanding of benefit terms and exclusions. For added security, the agency specializes in offering riders that account for future cost-of-living adjustments.
What Does a a Disability Insurance Agent in Fargo Cost?
Typical costs for disability insurance in North Dakota range from 1% to 3% of your annual income per year, depending on your age, health, occupation, and coverage amount. For example, a 40-year-old office worker might pay $30 to $60 per month for a policy that replaces 60% of income. Costs vary by case and insurer. This is general information, not insurance advice.
About disability insurance agents in Fargo
Disability insurance agents in Fargo, North Dakota help individuals and businesses find coverage that protects income if injury or illness prevents work. North Dakota law requires certain policies to include a free look period of at least 10 days. Local agents can guide you through state-specific regulations and policy options.
Frequently Asked Questions
What does a disability insurance agent in Fargo do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs and budget. They also assist with filing claims and understanding policy terms. In North Dakota, agents must be licensed by the state insurance department.
How do I choose a disability insurance agent in Fargo?
Look for an agent with experience in disability coverage and knowledge of North Dakota insurance laws. Check their license status through the North Dakota Insurance Department. Ask about the carriers they represent and how they handle claims support.
Are there specific disability insurance laws in North Dakota?
Yes, North Dakota has a 10-day free look period for most disability policies, allowing you to cancel for a full refund. The state also requires insurers to clearly outline policy exclusions and limitations. Agents must follow state regulations when selling policies.
Disability Insurance Agents in Other North Dakota Cities
Bismarck · Grand Forks · Minot · Williston