Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 4 long-term care insurance agents in Carmel, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Goodacre Insurance Services
316 #283 Center St, Carmel, CA 93923
(800) 320-6269
calhealth.net
Carmel Bay Group Insurance
3785 Vía Nona Marie #303, Carmel, CA 93923
(831) 624-6000
carmelbaygroup.com
Monroe-Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd #1A, Carmel, CA 93923
(831) 372-4511
monroe-kellyinsurance.com
Michael B. Kelly Insurance Services, Inc.
26465 Carmel Rancho Blvd # 1, Carmel, CA 93923
(831) 624-6065
mkisi.com
What Does a Long-Term Care Insurance Agent in Carmel Cost?
Long-term care insurance premiums in California vary by age, health, benefit amount, and policy features. For a healthy 55-year-old, a policy with a $150 daily benefit and 3-year term may cost between $1,500 and $3,000 per year. Premiums for a 65-year-old can range from $2,500 to $5,000 annually. Costs are higher with inflation protection or shorter elimination periods. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Carmel do?
An agent helps you compare policies from different insurers and explains benefit triggers, daily benefit amounts, and elimination periods. They can also show you how a California Partnership policy works to coordinate with Medi-Cal if needed.
Does California require special licensing for long-term care insurance agents?
Yes. Agents selling long-term care insurance in California must complete a one-time 8-hour training course and ongoing 4-hour continuing education every two years. This training covers state regulations, policy features, and consumer protections.