Disability Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Insurance Policy

Customize Your Coverage

When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.


Best Price Available

We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!


Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

Disability Insurance

Understanding disability insurance coverages, endorsements, and riders can be crucial when it comes to protecting yourself and your loved ones financially.

Disability insurance coverage, often referred to as income protection, is a type of insurance that offers financial support in the event of an individual’s total or partial disability. It provides a portion of the insured person’s regular income during the disability period, helping to replace lost earnings and cover necessary expenses.

Endorsements, also known as policy add-ons or riders, allow policyholders to tailor their disability insurance coverage to specific needs. Some common endorsements include residual disability coverage, cost of living adjustment (COLA), future increase options (FIO), and own occupation coverage. These endorsements provide additional benefits and flexibility to your disability insurance policy, ensuring it meets your unique circumstances and requirements.

A rider is an optional add-on to a base disability insurance policy that expands coverage or offers additional features. Riders provide customization options, allowing policyholders to enhance their coverage by adding specific benefits. For example, a rider may offer enhanced mental and nervous disorder coverage or the ability to purchase additional coverage in the future without further medical underwriting. These riders ensure that your insurance policy covers your specific needs and concerns.

Calculating the right coverage amount for disability insurance depends on various factors, including your income, monthly expenses, financial obligations, and lifestyle. It’s essential to consider your current financial situation, potential future earnings, and requirements to create a safety net that will adequately protect you. Consulting with a financial advisor or insurance specialist can help you assess your needs accurately and determine an appropriate coverage amount.

When selecting disability insurance policies, several factors warrant consideration. Firstly, analyze the definitions and terms used in the policy, such as the definition of disability, waiting period, and benefit period. Understanding these terms will enable you to clarify the coverage scope and limitations. Secondly, evaluate the insurance provider’s reputation, financial stability, and customer reviews to ensure reliability and prompt claim settlement. Lastly, compare multiple policies, taking into account their premiums, benefits, riders, and any limitations or exclusions. This comparison will aid in selecting the most suitable policy that aligns with your needs and preferences.

Disability insurance coverages, endorsements, and riders are crucial components that provide financial security and peace of mind in the face of unforeseen circumstances. By familiarizing yourself with the types of coverage, available endorsements, and important considerations, you can make informed decisions about your disability insurance policy. Our guidance and conducting thorough research will empower you to safeguard your financial stability effectively.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their lives with confidence. Our disability insurance products can provide additional insurance coverages including:

    • Total Disability Coverage
    • Partial Disability Coverage
    • Residual Disability Coverage
    • Own Occupation Coverage
    • Any Occupation Coverage
    • Non-cancelable Policy Rider
    • Guaranteed Renewable Policy Rider
    • Future Increase Option Rider
    • Cost of Living Adjustment Rider
    • Catastrophic Disability Rider
    • Rehabilitation Benefit Rider
    • Social Insurance Supplement Rider
    • Return of Premium Rider
    • Automatic Increase Benefit Rider
    • Business Overhead Expense Rider
    • Student Loan Protection Rider
    • Individual and Employer Plans
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!