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Long-Term Care Insurance Agents in Rancho Santa Margarita, CA
Looking for a long-term care insurance agent in Rancho Santa Margarita? Review the directory below to compare your options.
14 agents listed
Updated May 2026
Rancho Santa Margarita, CA
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 14 long-term care insurance agents in Rancho Santa Margarita, 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.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Farmers Insurance
30021 Tomas, Rancho Santa Margarita, CA 92688
(949) 581-4466
farmers.com
Edson Insurance Services Inc.
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(800) 696-7544
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Long-term care insurance agents in Rancho Santa Margarita help residents plan for future care needs. California offers the Partnership for Long-Term Care program, which allows policyholders to protect assets equal to benefits paid. Agents in this area can explain how these plans work with local care costs and Medi-Cal eligibility rules.
What Does a Long-Term Care Insurance Agent in Rancho Santa Margarita Cost?
Long-term care insurance premiums in California vary by age, health, and coverage level. A typical policy for a 55-year-old may cost between $1,500 and $3,000 per year for a benefit of $150 per day with a 3-year term. Partnership plans may have slightly higher premiums due to required inflation protection. Costs can change based on your specific situation and the insurer. 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 Rancho Santa Margarita do?
An agent helps you compare policies from different insurers and explains coverage options. They can also advise on California Partnership plans, which offer asset protection and inflation protection features.
How does the California Partnership for Long-Term Care affect my policy?
This state program requires policies to include inflation protection and meet certain standards. If you buy a Partnership policy, you can keep assets equal to the benefits paid without affecting Medi-Cal eligibility.
Are there age limits for buying long-term care insurance in California?
Most insurers in California offer policies to people aged 18 to 79. Premiums are lower when you buy at a younger age. Some carriers may decline coverage for applicants over 80 or with certain health conditions.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.