The top-rated long-term care insurance agent in San Rafael, California is Trevor Lam - State Farm Insurance Agent, rated 5.0 stars across 276 reviews. Other highly rated options include Bal Claire - State Farm Insurance Agent, Brittany Keyes - State Farm Insurance Agent, AAA San Rafael Branch. This directory lists 19 long-term care insurance agents serving San Rafael.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Trevor Lam - State Farm Insurance Agent | 851 Irwin St Suite 300 | (415) 233-4356 |
| 2 | Bal Claire - State Farm Insurance Agent | 25 Mitchell Blvd #4 | (415) 479-8086 |
| 3 | Brittany Keyes - State Farm Insurance Agent | 660 Las Gallinas Ave Suite B | (415) 479-5900 |
| 4 | AAA San Rafael Branch | 99 Smith Ranch Rd | (415) 488-2900 |
| 5 | Covered California and Medicare Enrollment Center | 1406 Second St #1 | (800) 805-9632 |
| 6 | Lisa Elkins-Reuter - State Farm Insurance Agent | 1852 4th St | (415) 482-6686 |
| 7 | Coastal Pacific Insurance Marketing LLC | 77 Mark Dr #24 | (415) 472-1800 |
| 8 | Whitecap Insurance Services | 1623 Fifth Ave A | (415) 499-7722 |
| 9 | Farmers Insurance - Nury Alvarenga | 1368 Lincoln Ave Ste 102 | (415) 457-8319 |
| 10 | San Francisco Health Insurance Marketing | 4340 Redwood Hwy | (415) 798-8136 |
Trevor Lam - State Farm Insurance Agent serves San Rafael and the surrounding Marin County area, offering long-term care insurance coverage. These policies are designed to help individuals plan for the potential future costs of assisted living, nursing home care, and in-home support services. Advocating for a proactive approach to retirement planning, the agency assesses each client’s unique circumstances. It handles the initial consultation, policy tailoring, and lifetime benefit options such as home health care and adult day care arrangements.
Bal Claire, a State Farm Insurance agent in San Rafael, serves homeowners and families planning for future healthcare needs. As a long-term care insurance agent, the company provides guidance on policies that help cover the cost of care in various settings, including assisted living and nursing homes. Clients can explore options to protect assets and manage potential expenses related to chronic or extended illness. The agency also extends its services to neighboring communities throughout Marin County, including Novato and San Anselmo.
Serving San Rafael and the surrounding Marin County communities, Brittany Keyes - State Farm Insurance Agent handles long-term care insurance policies designed to help clients prepare for future care needs. The agency works with individuals to understand how these plans can cover expenses for assisted living or home health services. For each client, it generally reviews different policy options to explain coverage levels and adjust benefits within available choices.
AAA San Rafael Branch offers a range of long-term care insurance services, focusing on helping individuals in the San Rafael area plan for future medical and personal care needs. The agency provides guidance on policy selection and helps clients understand plan maintenance and potential benefits over time. Services include reviewing coverage options and explaining how policies may adjust as needs evolve. This agent works with single-family homes, apartments, retail locations, and restaurants, assisting both individuals and business owners with long-term care coverage solutions that align with their specific situations.
Covered California and Medicare Enrollment Center in San Rafael, CA assists clients in distinguishing between one-time consultations for immediate insurance needs and recurring services for ongoing policy management. Their long-term care insurance coverage helps protect assets and fund future personal care, addressing common concerns about aging costs. They evaluate individual health and financial situations to recommend suitable policy options. Services may be arranged on either a one-time basis for initial planning or as needed for policy reviews or updates during life changes.
Lisa Elkins-Reuter - State Farm Insurance Agent in San Rafael, CA offers long-term care insurance planning, helping clients understand policy options for covering extended personal and medical care needs. As a general insurance agent, the company also provides guidance on managing financial protection through life, health, and related coverage. This practice assists local families in preparing for the high costs of aging or chronic illness, addressing a common seasonal concern of updating coverage after major life events like the winter holidays.
As local residents plan for retirement or face age-related health changes, securing reliable long-term care insurance becomes a practical concern. Coastal Pacific Insurance Marketing LLC, based in San Rafael, CA, serves Marin County with focused guidance on long-term care coverage options, helping clients understand policy features and costs. The company works directly with individuals and families to identify appropriate plans that match personal health considerations and financial situations. An initial assessment by phone or in person begins the process of evaluating current needs and coverage gaps.
Whitecap Insurance Services, based in San Rafael, assists local residents with securing long-term care insurance coverage to help protect assets and fund future care needs. The firm also addresses commercial long-term care policies for businesses in the surrounding area. The agency guides clients through plan options suited to personal circumstances. Clients often return between regular policy reviews to update coverage as their health and financial situations change. This ongoing service ensures policies remain aligned with evolving care requirements.
Farmers Insurance in San Rafael offers general insurance services and adds specialized long-term care insurance coverage. The company helps clients plan for future care needs, addressing concerns about aging and chronic conditions. Long-term care insurance can protect personal assets by covering expenses not typically paid by standard health plans. This agent serves the local community by assisting individuals in understanding their policy options. In addition to individual clients, the office works with commercial sectors such as professional offices, warehouses, and food service establishments seeking employee benefit offerings.
San Francisco Health Insurance Marketing is a San Rafael, California-based agency known for assisting clients with long-term care insurance policy selection and enrollment. It helps individuals navigate coverage options designed to protect assets and fund future care needs, including home health aides or assisted living. The company serves local retirees and families planning for potential chronic illness expenses. A specialty service it offers is coordinating with clients to customize benefit periods and daily coverage amounts.
What Does a a Long-Term Care Insurance Agent in San Rafael Cost?
Long-term care insurance costs in California vary widely. A typical policy for a 55-year-old can range from 150 to 300 dollars per month for a 160,000 dollar benefit pool with 3 percent compound inflation. For a 65-year-old, the same policy might cost 250 to 500 dollars per month. Costs depend on age, health, and coverage choices. This is general information, not insurance advice.
About long-term care insurance agents in San Rafael
Long-term care insurance agents in San Rafael help residents plan for future care needs. California offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits paid. Agents in San Rafael can guide you through these state-specific options and help compare policies from multiple carriers.
Frequently Asked Questions
What is the California Partnership for Long-Term Care?
It is a state program that combines private long-term care insurance with Medi-Cal asset protection. Policyholders can keep assets equal to the benefits paid if they later need Medi-Cal. Agents in San Rafael can explain how this works with local policies.
How do I choose a long-term care insurance agent in San Rafael?
Look for an agent licensed in California with experience in long-term care policies. Ask if they offer policies from multiple insurers and if they understand Marin County care costs. Check their record with the California Department of Insurance.
What factors affect long-term care insurance premiums in California?
Premiums depend on your age, health, benefit amount, and inflation protection. California law requires insurers to offer a nonforfeiture benefit and inflation protection options. Rates vary by carrier and are subject to approval by the California Department of Insurance.
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