The top-rated long-term care insurance agent in Milford, Connecticut is Zurita Insurance & Financial Services, rated 5.0 stars across 632 reviews. Other highly rated options include Bankers Life, Lee Giordano, Bankers Life Agent and Bankers Life Securities Financial Representative, Barth Insurance Agency. This directory lists 19 long-term care insurance agents serving Milford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Zurita Insurance & Financial Services | 188 Cherry St | (203) 951-6828 |
| 2 | Bankers Life | 185 Plains Rd Ste 205W | (203) 877-7100 |
| 3 | Lee Giordano, Bankers Life Agent and Bankers Life Securities Financial Representative | 185 Plains Rd Ste 205W | (203) 877-7100 |
| 4 | Barth Insurance Agency | 100 Lansdale Ave suite p | (203) 878-3181 |
| 5 | Karen Souza, Bankers Life Agent | 185 Plains Rd Ste 205W | (203) 877-7100 |
| 6 | White Oak Insurance | 31 Cherry St #104 | (203) 951-6641 |
| 7 | Williams Agency | 152 Broad St | (203) 874-2581 |
| 8 | Summit Financial Group | 288 Broad St | (203) 877-1645 |
| 9 | Harrigan Insurance | 1201 Boston Post Rd | (203) 877-1570 |
| 10 | Milford Insurance Agency | 53 Cherry St | (203) 877-1271 |
Zurita Insurance & Financial Services serves the Milford, Connecticut area, specializing in long-term care insurance agency work. As a local agent, the company helps clients evaluate their future care needs and select appropriate coverage plans. It assists with policy options designed to protect assets and manage the high costs of extended care. The agency specifically handles individual long-term care insurance policies and can provide guidance on hybrid life insurance policies that include long-term care benefits.
Bankers Life in Milford, Connecticut, helps clients understand the key difference between one-time Long-Term Care policies and recurring service options that adjust coverage as needs change. Their role centers on explaining how to preserve assets through plans that pay for home health aides, assisted living, or nursing facility care. These policies are designed to protect against the financial strain of extended care. Client consultations and plan management are typically provided on an as-needed basis, allowing for adjustments when health status or financial goals shift.
Lee Giordano, Bankers Life Agent and Bankers Life Securities Financial Representative in Milford, CT, provides long-term care insurance planning services alongside financial security consultations. It offers care strategies to help clients protect assets and manage future needs. Service and maintenance plans include periodic policy reviews to adjust coverage as personal circumstances evolve. Clients receive ongoing support for claims assistance and benefit coordination to simplify complex care transitions. The company serves individuals and families in single-family homes, apartments, retail environments, and restaurants.
Barth Insurance Agency serves individuals and families in the Milford area who are planning for the financial impact of extended care needs. It provides guidance on long-term care insurance policies designed to help protect savings and maintain access to quality care options. This independent agency focuses on helping clients understand policy features without high-pressure sales tactics. Its service area also covers neighboring communities throughout the New Haven County metro region, including Stratford and Orange.
Serving Milford, Connecticut, and the surrounding communities, Karen Souza, Bankers Life Agent handles long-term care insurance agent needs for local residents. This involves helping individuals understand policies that cover extended care services, such as nursing home or in-home assistance, when daily tasks become difficult due to age or illness. The typical job begins with a thorough review of the client’s personal situation and financial goals. From there, it compares available plan options to match coverage with anticipated future needs.
White Oak Insurance specializes in helping clients navigate long-term care insurance options, offering personalized guidance on policies that cover in-home care, assisted living, and skilled nursing in the Milford, Connecticut area. The agency works closely with individuals and families to assess future care needs and identify suitable coverage solutions. As local demographics shift and more residents plan for retirement, the agency assists clients with understanding how recent policy changes and rising care costs may affect their financial security.
As spring brings new homeowners and estate plans to life across Milford, Williams Agency helps clients prepare for the financial burden of extended care needs. As a long-term care insurance agent in the area, the company explains policy options that protect savings from the high cost of home health aides, assisted living, or nursing home stays. Williams Agency offers a one-hour initial meet-and-greet at its Main Street office or over the phone, during which a current care strategy is reviewed and personalized insurance coverage is evaluated without obligation.
Summit Financial Group works with clients in Milford, Connecticut, to plan for the financial impact of future extended care needs. As a specialized long-term care insurance agent, the company helps individuals explore policy options designed to cover assistance with daily living activities and protect savings from healthcare costs. This service focuses on risk assessment and personalized coverage selection. The firm can work with local commercial operations, including offices, warehouses, and food service businesses seeking insurance options for their teams.
Harrigan Insurance in Milford, Connecticut assists clients in distinguishing between one-time policy purchases for immediate coverage needs and recurring premium management for ongoing protection plans. They help individuals evaluate long-term care insurance options tailored to potential future medical and personal care expenses. The agency provides guidance on plan benefits, waiting periods, and inflation protection features. Service runs on a scheduled basis, accommodating client appointments and policy review needs as circumstances change over time.
What Does a a Long-Term Care Insurance Agent in Milford Cost?
In Connecticut, annual premiums for long-term care insurance vary widely. For a 55-year-old, a policy with a $150 daily benefit and a three-year benefit period might cost $1,500 to $3,000 per year. A 65-year-old could pay $2,500 to $5,000 per year for similar coverage. Costs increase with age and health conditions. This is general information, not insurance advice.
About long-term care insurance agents in Milford
A long-term care insurance agent in Milford, Connecticut can help you find a policy that covers home care, assisted living, or nursing home care. Connecticut offers a Partnership Program that allows policyholders to protect some assets from Medicaid spend-down requirements. Working with a local agent ensures you understand how these state-specific rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Milford do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and needs. They explain policy features like benefit periods, elimination periods, and inflation protection. They also guide you through Connecticut-specific options such as the Partnership Program.
How does the Connecticut Partnership for Long-Term Care work?
This program lets you keep a dollar of assets for every dollar your policy pays out if you later need Medicaid. Policies must meet state standards and be certified by the Connecticut Department of Social Services. An agent can tell you which policies qualify.
What factors affect the cost of long-term care insurance in Connecticut?
Costs depend on your age, health, the amount of daily benefit, and the benefit period. Connecticut residents often pay higher premiums due to the states high cost of care. A 55-year-old in good health might pay between $1,500 and $3,000 per year for a typical policy.
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