There is no one disability insurance plan that is best for everyone, whether in Minnesota or any other state. The type of policy that is best for someone who works construction will be different than the type of disability insurance policy a doctor would purchase. And health conditions can limit the plans from which to choose, as well as the features the applicant desires.
To find the best disability insurance plan for you, contact a DI broker in Minnesota to go over the choice with you.
There is a company called "Illinois Mutual" that has a great Disability policy that gives you the option of the Return of Premium Rider. This is an important rider to look for that will give you all the money you paid into the policy back to you if you never have to make a claim. I am in MN and would love to help. Brad @ 651.300.0788
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To find the best disability insurance plan for you, contact a DI broker in Minnesota to go over the choice with you.