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Find Long-Term Care Insurance Agents Near You in Encinitas, CA

Browse long-term care insurance agents serving Encinitas, California. Updated 2026-07-14.

The top-rated long-term care insurance agent in Encinitas, California is Lisa Trapp - State Farm Insurance Agent, rated 5.0 stars across 157 reviews. Other highly rated options include Katie Beach Harlan - State Farm Insurance Agent, AAA Encinitas Insurance and Member Services, Schulte Insurance Agency. This directory lists 15 long-term care insurance agents serving Encinitas.

Showing 15 long-term care insurance agents in Encinitas, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lisa Trapp - State Farm Insurance Agent1458 Encinitas Blvd(760) 230-0231
2Katie Beach Harlan - State Farm Insurance Agent531 Encinitas Blvd STE 119(760) 753-4944
3AAA Encinitas Insurance and Member Services499 N El Camino Real(760) 635-1020
4Schulte Insurance Agency1036 2nd St(760) 436-5015
5Nick Witzmann Insurance Agency330 Encinitas Blvd suite 202c(760) 487-2727
6CJT Insurance, Vehicle Registration, VIN Verification144 W D St Suite 109(760) 230-1125
7CLS Insurance Services - Coastal Live Scan996 N Coast Hwy 101 Suite C(760) 230-1830
8Best Quote Insurance Services1103 Quail Gardens Ct(888) 536-1131
9Insuranca.com676 Polaris Dr(760) 271-1717
10King Insurance360 N El Camino Real(760) 753-7000
LT
1458 Encinitas Blvd
Lisa Trapp - State Farm Insurance Agent
Long-Term Care Insurance Agent · Encinitas, CA

Lisa Trapp - State Farm Insurance Agent provides long-term care insurance services to clients in and around Encinitas, California. The agency assists individuals in exploring coverage options that help manage the future costs of assisted living, nursing home care, or home health services. It offers policy reviews and plan maintenance to adjust benefits as needs change over time. The company serves homeowners, renters, and small business owners, including those residing in single-family homes, apartments, retail spaces, and restaurants.

KB
531 Encinitas Blvd STE 119
Katie Beach Harlan - State Farm Insurance Agent
Long-Term Care Insurance Agent · Encinitas, CA

Katie Beach Harlan - State Farm Insurance Agent in Encinitas, CA serves homeowners and families who are planning for future care needs. As a long-term care insurance agent, the office helps clients explore policies that can cover costs of assisted living, nursing home stays, or in-home support for chronic conditions. This guidance is valuable for those seeking to protect savings while aging in place or entering a care facility. The agency also offers support and information to residents throughout the San Diego North County coastal area, including nearby communities such as Cardiff-by-the-Sea.

AE
499 N El Camino Real
AAA Encinitas Insurance and Member Services
Long-Term Care Insurance Agent · Encinitas, CA

AAA Encinitas Insurance and Member Services serves San Diego County from its Encinitas, California location. This agency assists local individuals and families with navigating long-term care insurance options to protect assets and plan for future care needs. The company guides clients through policy choices that cover home health aides, assisted living, and nursing home services. Their work helps residents understand benefit triggers, elimination periods, and inflation protection features. The agency specifically handles policy comparisons for Medicare supplemental plans and consultation on hybrid life insurance policies with long-term care riders.

SI
1036 2nd St
Schulte Insurance Agency
Long-Term Care Insurance Agent · Encinitas, CA

Based in Encinitas, Schulte Insurance Agency serves clients in North County San Diego and surrounding coastal communities. The agency handles long-term care insurance needs from initial policy comparisons to benefit claims management. It works with families navigating the financial risks of extended nursing home stays, assisted living, and in-home care services. The typical engagement begins with a thorough needs assessment of the individual's health profile and budget, followed by a careful review of policy options from multiple carriers.

NW
330 Encinitas Blvd suite 202c
Nick Witzmann Insurance Agency
Long-Term Care Insurance Agent · Encinitas, CA

Nick Witzmann Insurance Agency in Encinitas, CA distinguishes between one-time consultations and recurring service options to meet varying client needs for long-term care coverage. They help individuals plan for the financial impact of extended care, whether through traditional policies or hybrid solutions that combine life insurance with care benefits. Service runs on a one-time, scheduled, or as-needed basis, allowing clients to choose the level of ongoing support that fits their long-term planning preferences.

CI
144 W D St Suite 109
CJT Insurance, Vehicle Registration, VIN Verification
Long-Term Care Insurance Agent · Encinitas, CA

CJT Insurance offers long-term care insurance agency services, vehicle registration assistance, and VIN verification in Encinitas, California. The firm helps clients navigate policies designed to cover future care needs, addressing concerns about preserving assets and maintaining independence. In this coastal area, many older adults seek guidance on protection against rising nursing home or in-home care costs. The company assists with coverage that can become crucial when seasonal visitors or family caregivers are unavailable during peak summer or winter travel months.

CI
996 N Coast Hwy 101 Suite C
CLS Insurance Services - Coastal Live Scan
Long-Term Care Insurance Agent · Encinitas, CA

As coastal families in Encinitas plan for retirement or aging parents, the financial risks of extended care become a pressing concern. CLS Insurance Services - Coastal Live Scan specializes in long-term care insurance policies designed to protect savings from these rising costs. The agency works with clients to review options for covering home health aides, assisted living, or nursing facility stays. An initial consultation typically involves a needs assessment and policy review to identify coverage gaps and evaluate suitable plan structures for individual situations.

BQ
1103 Quail Gardens Ct
Best Quote Insurance Services
Long-Term Care Insurance Agent · Encinitas, CA

Best Quote Insurance Services provides long-term care insurance coverage to individuals in Encinitas, California. The agency specializes in policy options that help cover extended care needs, including home health aides and assisted living facility costs. Agents work with clients to review different plans and explain how benefits apply to personal situations. The business serves commercial sectors such as offices, warehouses, and food service operations in the local region.

IC
676 Polaris Dr
Insuranca.com
Long-Term Care Insurance Agent · Encinitas, CA

Insuranca.com provides long-term care insurance guidance to residents of Encinitas and the surrounding area. The agency assists individuals in planning for future care needs that might not be covered by standard health plans. Commercial coverage options are also available for local businesses seeking to protect employees and partners. Service extends across nearby neighborhoods to address comprehensive care planning. Clients often follow up regarding coverage adjustments during health and lifestyle changes, and the agency welcomes repeat inquiries between regular policy reviews.

KI
360 N El Camino Real
King Insurance
Long-Term Care Insurance Agent · Encinitas, CA

King Insurance, based in Encinitas, CA, is known for guiding clients through the complex process of selecting long-term care policies. It assists individuals in assessing their future care needs and comparing coverage options from multiple insurers. The agency helps local families understand how these plans protect assets and provide access to home care, assisted living, or nursing facility services. As a local long-term care insurance agent, it can also advise on hybrid policies that combine life insurance with long-term care benefits.

PH
1738 Old Mill Rd
Pacific Health Brokers
Long-Term Care Insurance Agent · Encinitas, CA
(800) 858-0563
pacifichealthbrokers.com
HS
687 S Coast Hwy 101 STE 310
Health Savings Associates Insurances Services Inc
Long-Term Care Insurance Agent · Encinitas, CA
(888) 472-1090
JI
1810 S El Camino Real b105
JKS Insurance Solutions Inc.
Long-Term Care Insurance Agent · Encinitas, CA
(760) 487-1922
jschreiber.onlinehealth.news
JR
4405 Manchester Ave
J R Wood Insurance Agency
Long-Term Care Insurance Agent · Encinitas, CA
(760) 944-1848
robertwoodinsurance.com
LB
531 Encinitas Blvd #111
LIS Benefits
Long-Term Care Insurance Agent · Encinitas, CA
(760) 944-1020
lisbenefits.com

What Does a a Long-Term Care Insurance Agent in Encinitas Cost?

Long-term care insurance premiums in California vary widely based on age, health, and benefit amount. A typical policy for a healthy 55-year-old might cost between $1,500 and $3,000 per year. For a 65-year-old, annual premiums often range from $2,500 to $5,000. Costs are higher for richer benefits and inflation riders. This is general information, not insurance advice.

About long-term care insurance agents in Encinitas

Long-term care insurance agents in Encinitas help residents plan for future care needs. California offers the Partnership for Long-Term Care program, which allows policyholders to protect assets equal to the benefits paid. An agent can explain how these state-specific policies work and compare plans from multiple carriers.

Frequently Asked Questions

What does a long-term care insurance agent in Encinitas do?

An agent helps you understand policy options, compare benefits, and apply for coverage. They can explain California Partnership plans and how they interact with Medi-Cal.

How do California Partnership plans differ from standard policies?

California Partnership plans must meet state standards and include inflation protection. They allow you to keep assets equal to the benefits paid if you later need Medi-Cal.

Is there a time limit to buy long-term care insurance in California?

There is no state time limit, but premiums increase with age. Many people buy coverage in their 50s or 60s to lock in lower rates and avoid health-related denials.

Long-Term Care Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each long-term care insurance agent's credentials and current standing with your state Department of Insurance.