The top-rated long-term care insurance agent in Florence, Alabama is Alfa Insurance - The Oakley Agency, rated 5.0 stars across 180 reviews. Other highly rated options include United Benefits, Guardian Insurance Group, Lyndsay Warren - COUNTRY Financial Agent. This directory lists 20 long-term care insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alfa Insurance - The Oakley Agency | 4731 Chisholm Rd | (256) 754-7100 |
| 2 | United Benefits | 3295 Co Rd 47 | (866) 558-2121 |
| 3 | Guardian Insurance Group | 2103 Florence Blvd | (256) 994-3339 |
| 4 | Lyndsay Warren - COUNTRY Financial Agent | 2101 Florence Blvd ste a | (256) 383-7077 |
| 5 | Hicks & Associates | 1801 N Wood Ave | (256) 766-6000 |
| 6 | Southern States Insurance | 104 S Pine St | (256) 765-0030 |
| 7 | Jessica Stoltz - COUNTRY Financial Agent | 851 Cox Creek Pkwy | (256) 718-8494 |
| 8 | Grier Insurance | 103 E Tennessee St | (256) 766-2222 |
| 9 | Alabama Health Guidance- Medicare Insurance Specialists | 885 Florence Blvd | (256) 648-5710 |
| 10 | Tyler Franks - COUNTRY Financial Representative | 1312 N Wood Ave | (256) 764-9501 |
Alfa Insurance - The Oakley Agency serves the Florence, Alabama area as a long-term care insurance agent. The company helps clients plan for the potential costs of extended care services, including those provided in nursing homes or through home health aides. A solid policy can protect savings and provide access to needed care as people age. The agency guides customers through policy options that cover assisted living facilities and in-home personal care assistance.
United Benefits provides services as a long-term care insurance agent in Florence, AL, offering guidance on coverage options and policy comparisons. The company assists clients with understanding plan features and navigating enrollment processes through personalized consultations. Its support includes reviewing existing policies and explaining benefit structures for future care needs. United Benefits serves a range of clients, including individuals in single-family homes, apartments, and those managing retail or restaurant properties.
Guardian Insurance Group serves individuals and families in Florence, Alabama, who are planning for future healthcare needs. The agency specializes in long-term care insurance, helping clients protect assets and secure coverage for services like home care or assisted living. Guidance is offered through the process of comparing policy options to find suitable plans. It is a resource for those looking to prepare for potential care costs later in life. The company also assists residents in nearby Muscle Shoals, ensuring coverage options are accessible across the broader Shoals area.
Lyndsay Warren - COUNTRY Financial serves Florence, Alabama, and the surrounding Shoals communities, handling long-term care insurance coverage. A local agent in this category works with individuals to help them plan for future care needs while protecting assets. This agency addresses the complexities of covering extended care services, including nursing home stays and home-based support. For a typical client, it begins by reviewing personal financial goals and health considerations before recommending appropriate policy options.
Hicks & Associates specializes in helping clients plan for the future through long-term care insurance, offering guidance on policies that cover home health aides, assisted living, and nursing home care. Based in Florence, AL, the agency assists local families in evaluating their financial strategies to safeguard assets against the high expenses of extended care. As winter approaches, when cold weather increases the risk of slips and falls among seniors, the firm helps area residents review their coverage for rehabilitation services.
For individuals planning for future health needs, Southern States Insurance provides guidance on both traditional long-term care policies, which reimburse for a selection of pre-approved services, and hybrid life insurance plans that also provide a care benefit. These strategies help Florence residents preserve assets while addressing potential nursing home, assisted living, or home health costs. Tailoring coverage to fit personal risk tolerance is a central part of the advising process. This agency’s service is available on a one-time consultation or as-needed basis.
As families in the Florence area prepare for the changing seasons, concerns about future care needs often arise, making long-term care planning a prudent priority. Jessica Stoltz - COUNTRY Financial Agent provides knowledgeable guidance on policies that help protect savings while ensuring access to necessary services. Clients receive a clear explanation of coverage options tailored to individual circumstances and financial goals. The process begins with a thorough, no-obligation initial assessment to evaluate current health and long-term care insurance requirements.
As residents of Florence begin planning for their retirement years, protecting their savings from the high cost of extended care becomes a pressing concern. Grier Insurance helps local families navigate these complex decisions by explaining how long-term care policies can preserve assets and maintain independence. Working from their office in Florence, they discuss coverage options tailored to the needs of aging clients in the Shoals area. An initial consultation is arranged to assess the individual’s health and financial situation before any formal application is submitted.
Alabama Health Guidance- Medicare Insurance Specialists offers long-term care insurance agency services to clients in Florence, AL. Its agents assist individuals in planning for future care needs by recommending suitable policies. The company can also help customers evaluate options for covering assisted living, nursing home stays, or home-based support. This insurance specialist firm serves local commercial sectors such as offices, warehouses, and food service establishments.
What Does a a Long-Term Care Insurance Agent in Florence Cost?
Long-term care insurance agent services in Alabama typically do not charge a separate fee because agents earn commissions from insurance carriers. Policy premiums vary widely based on age health and benefit amount. For a 55 year old in Alabama a policy with a 164 daily benefit and 3 year term might cost between 150 and 300 per month. Costs increase with age and health conditions. This is general information not insurance advice.
About long-term care insurance agents in Florence
Long-term care insurance agents in Florence Alabama help residents plan for future care needs. These agents explain policy features and guide clients through Alabama insurance regulations. Local agents understand the specific requirements for coverage in Lauderdale County and the Shoals area.
Frequently Asked Questions
What does a long-term care insurance agent in Florence do?
A long-term care insurance agent helps you compare policies from different carriers. They explain benefit triggers elimination periods and inflation protection options. The agent also assists with understanding Alabama insurance laws that affect policy terms.
Are there Alabama specific rules for long-term care insurance?
Yes Alabama requires insurers to offer inflation protection and nonforfeiture benefits. The state also mandates a 30 day free look period after you receive the policy. Agents must follow Alabama Department of Insurance guidelines for sales and disclosures.
How do I choose a long-term care insurance agent in Florence Alabama?
Look for an agent licensed in Alabama with experience in long-term care products. Ask about their knowledge of Alabama specific policy options and carrier ratings. Verify their license through the Alabama Department of Insurance website.