The top-rated long-term care insurance agent in Thornton, Colorado is Horizons Insurance, Inc, rated 4.9 stars across 254 reviews. Other highly rated options include Farmers Insurance - Moises Cacique, Seguros Insurance, Mahoney Insurance Agency. This directory lists 14 long-term care insurance agents serving Thornton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Horizons Insurance, Inc | 1596 E 101st Ave | (303) 412-5842 |
| 2 | Farmers Insurance - Moises Cacique | 11363 Colorado Blvd | (720) 798-3443 |
| 3 | Seguros Insurance | 81 W 84th Ave Unit 160 | (720) 540-3404 |
| 4 | Mahoney Insurance Agency | 12412 York St | (303) 268-5555 |
| 5 | The Kirscht Insurance Agency - A Bridlewood Insurance Services Partner | 12412 York St | (720) 375-5479 |
| 6 | Colorado Hazard Insurance | 2090 E 104th Ave Ste 302 | (303) 558-9880 |
| 7 | Fred Loya Insurance | 880 E 88th Ave Ste 140 | (303) 287-1176 |
| 8 | Coker Agency LLC | 3907 E 120th Ave #211 | (720) 541-7651 |
| 9 | Reents Insurance Agency | 10759 Harrison St. | (303) 756-2663 |
| 10 | Estrella Insurance | 2150 E 88th Ave | (720) 531-5496 |
Horizons Insurance, Inc serves the Thornton, Colorado area and the broader Adams County region as a dedicated long-term care insurance agency. The firm assists clients in planning for future medical and personal care needs by offering policies that help cover expenses not typically addressed by standard health insurance or Medicare. These professionals evaluate individual financial situations to recommend suitable coverage options for services such as in-home assistance or assisted living care. They also handle applications for partnership program policies that offer asset protection.
Farmers Insurance - Moises Cacique serves homeowners and families in the Thornton, Colorado area who are planning for future medical and personal care needs. As a long-term care insurance agent, Moises Cacique helps clients explore coverage options that can protect savings while providing access to necessary assistance and support services. The agency guides residents through policy features such as home care and nursing facility benefits. This office also extends its services to nearby communities across the northern Denver metro region, including Northglenn and Westminster.
Seguros Insurance provides long-term care insurance agency services in the Thornton, Colorado area. Its offerings include helping individuals assess their future care needs and select appropriate coverage plans to protect assets. The company also assists with reviewing existing policies and updating them as personal circumstances change. Support is available for policy maintenance and claims guidance. Seguros Insurance serves a range of residential and commercial property types, including single-family homes, apartments, retail spaces, and restaurants.
Mahoney Insurance Agency serves individuals and families in Thornton, Colorado, and the surrounding communities throughout the Denver metro area. The agency handles a full range of long-term care insurance products designed to help clients manage the future costs of extended medical or personal care. It first evaluates each client’s current financial situation and personal health needs, then carefully compares available policy options from multiple carriers to find a suitable plan. The agency provides clear guidance throughout the application process and coordinates directly with insurers to complete a typical policy enrollment.
The Kirscht Insurance Agency - A Bridlewood Insurance Services Partner in Thornton, CO assists clients with long-term care insurance policies, which help cover expenses for extended custodial services such as nursing home stays or in-home assistance, distinct from short-term medical coverage. These policies are generally designed to protect personal assets and relieve family members from bearing the full financial cost of prolonged care. An initial consultation explores a client’s potential future needs, and ongoing policy management, including premium tracking and claims guidance, operates on an as-needed basis.
Colorado Hazard Insurance in Thornton, Colorado, specializes in arranging long-term care insurance policies. Its agents help clients review coverage options that address future needs for assisted living, home health care, and nursing facility expenses. The firm also offers guidance on how such policies fit with overall retirement planning and asset protection strategies. As winter approaches and families consider the increased risks of falls and seasonal illnesses among older relatives, this agent assists area residents in securing coverage before those immediate health concerns arise.
Fred Loya Insurance provides financial planning support and risk management strategies for individuals preparing for future care needs. As a Long-Term Care Insurance Agent in Thornton, Colorado, the company specializes in policies that help cover extended personal care services not included under standard health plans. Their work often involves reviewing client assets and health circumstances to recommend appropriate coverage levels. The firm can assist commercial sectors including offices, warehouses, and food service operations with employee benefit options and business continuity protections.
Coker Agency LLC in Thornton, Colorado, helps clients plan for the financial impact of extended personal care needs. The agency specializes in long-term care insurance products, which can cover services not paid by standard health plans, such as home care or nursing facility stays. Working with individuals and families, the agency provides guidance on coverage options suited to local healthcare costs. It serves a commercial client base that includes professional offices, warehouses, and food service operations.
As Colorado winters approach, many older adults in Thornton begin to consider how they will pay for extended care if needed. Reents Insurance Agency assists local families by explaining long-term care insurance policies that can help cover home health aides, assisted living, or nursing home stays. The agency reviews each client’s personal situation to match them with suitable coverage from available carriers. To start, clients are invited to schedule an initial consultation where their current health needs and future risks are assessed.
What Does a a Long-Term Care Insurance Agent in Thornton Cost?
Long-term care insurance premiums in Colorado vary based on age health and coverage amount. A typical policy for a 55 year old might cost between 150 and 300 dollars per month. Costs increase with age and for richer benefit packages. This is general information not insurance advice.
About long-term care insurance agents in Thornton
Thornton residents seeking long-term care insurance can work with a local agent to understand policy options and Colorado specific rules. Colorado law offers a partnership program that allows policyholders to protect assets while qualifying for Medicaid. An agent can explain how these state specific benefits apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Thornton do?
A long-term care insurance agent helps you compare policies from different carriers and explains coverage details. They can guide you through Colorado partnership program options which offer asset protection. The agent does not provide legal advice but helps you choose a suitable plan.
Are there Colorado specific rules for long-term care insurance?
Yes Colorado requires insurers to offer inflation protection and nonforfeiture benefits for certain policies. The state also has a 30 day free look period where you can cancel a new policy for a full refund. Agents must be licensed in Colorado to sell these products.
How do I choose a long-term care insurance agent in Thornton?
Look for an agent who is licensed in Colorado and has experience with long-term care policies. Ask about their familiarity with the Colorado partnership program and different carriers. You can verify an agents license through the Colorado Division of Insurance website.
Long-Term Care Insurance Agents in Other Colorado Cities
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