The top-rated long-term care insurance agent in Torrington, Connecticut is Brooks, Todd & McNeil Insurance, rated 4.7 stars across 162 reviews. Other highly rated options include Amie Chasse - State Farm Insurance Agent, HealthMarkets Insurance - Mel Brickman, Toth Insurance Agency LLC. This directory lists 18 long-term care insurance agents serving Torrington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brooks, Todd & McNeil Insurance | 69 Water St | (860) 482-5591 |
| 2 | Amie Chasse - State Farm Insurance Agent | 469 Prospect St | (860) 482-6002 |
| 3 | HealthMarkets Insurance - Mel Brickman | 16 McDermott Ave Suite 1 | (860) 307-1128 |
| 4 | Toth Insurance Agency LLC | 1151 E Main St | (860) 496-7771 |
| 5 | Brickman Insurance Services | 16 McDermott Ave Suite 1 | (860) 307-1128 |
| 6 | Health Insurance Services Of Connecticut | Craig Yard | 438 E Main St | (860) 626-5594 |
| 7 | Strathman-Winch Insurance | 663 E Main St Suite #8 | (203) 272-5546 |
| 8 | Jeromy Comandini - State Farm Insurance Agent | 954 E Main St Suite 3 | (860) 489-4882 |
| 9 | Summit Insurance | 2383 Winsted Rd | (860) 601-4046 |
| 10 | H R Madeux Agency Inc | 497 Main St | (860) 489-6714 |
Brooks, Todd & McNeil Insurance serves Torrington, Connecticut, and the surrounding Litchfield County area as a dedicated long-term care insurance agent. The company helps individuals and families navigate the complexities of planning for future care needs through professional guidance on suitable policies. It provides assistance with comparing plan options from multiple carriers to match clients’ financial and health circumstances. Specific services offered include assessments for standalone long-term care policies and hybrid life insurance policies with long-term care riders.
Amie Chasse - State Farm Insurance Agent offers long-term care insurance services to individuals in Torrington, CT, focusing on financial protection against future care needs. Basic coverage consultations are provided, along with ongoing policy maintenance and periodic reviews to adjust plans as circumstances change. Service extends to single-family homes, apartments, retail establishments, and restaurants located throughout the local area.
HealthMarkets Insurance - Mel Brickman serves individuals and families in Torrington, Connecticut, who are planning for future long-term care needs. The agency provides guidance on insurance policies that help cover costs associated with assisted living, nursing homes, and in-home care. Clients receive assistance in comparing coverage options to protect assets and maintain independence. The agency also works with residents across neighboring communities such as Winsted and the wider Litchfield County area.
Toth Insurance Agency LLC primarily serves Torrington and the surrounding Litchfield County communities. It handles long-term care insurance, addressing the financial planning needs of individuals preparing for extended healthcare expenses. Starting client conversations focus on specific personal goals and risk exposure. The agency then works through available policy options, comparing coverage features across providers to align solutions with individual budget and health considerations. This process typically involves a thorough review of current assets and family history to structure an appropriate plan.
Brickman Insurance Services in Torrington, Connecticut helps clients decide between a one-time consultation to evaluate existing policies or an ongoing service to manage annual premium changes and coverage updates. For long-term care insurance, the firm guides residents through plan options that address potential future care needs without depleting personal savings. This office provides independent advice for understanding policy benefits and costs. Service for new and existing clients runs on a scheduled or as-needed basis, depending on each individual’s current situation.
Health Insurance Services Of Connecticut | Craig Yard provides specialized long-term care insurance planning for individuals and families in Torrington, Connecticut. The agency generally works with clients to assess their future care needs and navigate policy options that protect assets from the rising costs of extended care services. It frequently helps older adults prepare for the financial impact of chronic illness or disability that may require in-home or facility-based assistance. The agency is particularly active in advising clients before and during the annual open enrollment period for Medigap and Medicare Advantage plans.
As winter weather increases the risk of slips and falls, many older residents in the Torrington area review their financial safeguards. Strathman-Winch Insurance assists clients by explaining how long-term care policies can help cover daily assistance without exhausting personal savings. They focus on individual needs, comparing coverage options from multiple carriers. After an initial discussion, they schedule a simple in-home assessment to review current health and financial goals, providing a clear starting point for planning.
Jeromy Comandini operates as a State Farm Insurance Agent in Torrington, CT, offering a range of personal and commercial insurance products. The agency specializes in long-term care coverage, helping clients plan for future needs involving extended medical or personal care services. These policies can assist in covering costs associated with nursing homes, assisted living, or in-home care. The agency serves multiple commercial sectors, including offices in the greater Torrington area, local warehouses, and food service businesses requiring tailored insurance solutions.
Summit Insurance provides residential long-term care insurance services to clients in Torrington, Connecticut. Their work focuses on helping individual policyholders plan for future care needs, including in-home assistance and nursing facility coverage. The agency also assists small business owners in the area with group long-term care options. Coverage solutions are tailored to protect assets and provide financial security during retirement. Summit Insurance follows up with clients after each regular review appointment to ensure adjustments can be made as care requirements change over time.
H R Madeux Agency Inc, a dedicated long-term care insurance agent in Torrington, Connecticut, helps local families plan for future care needs. The company guides clients through policy options that cover nursing home, assisted living, and home care expenses. With an understanding of area demographics and health care costs, this agency provides personalized consultations to assess financial and health factors. Services include comparing plans from various carriers and explaining benefits such as inflation protection. The firm also specializes in coordinating policy payouts with existing retirement income strategies.
What Does a a Long-Term Care Insurance Agent in Torrington Cost?
Long-term care insurance costs in Connecticut vary by age, health, and policy features. A typical annual premium for a 55-year-old in Torrington might range from 1,500 to 3,500 dollars for a moderate benefit amount. Costs increase with age and if you choose inflation riders or shorter elimination periods. This is general information and not insurance advice.
About long-term care insurance agents in Torrington
A long-term care insurance agent in Torrington can help you plan for future care needs. Connecticut offers a Partnership for Long-Term Care program that allows policyholders to protect assets. Local agents understand the specific regulations and insurance options available in Litchfield County.
Frequently Asked Questions
What does a long-term care insurance agent in Torrington do?
An agent helps you compare policies from different carriers and explains coverage details. They assess your financial situation and health history to find suitable plans. They also guide you through Connecticut specific rules like the Partnership program.
What is the Connecticut Partnership for Long-Term Care?
This is a state program that lets you keep more assets if you buy a qualified policy. If you use benefits equal to your policy amount, you can protect that same dollar value of assets from Medicaid recovery. An agent can explain how this works for Torrington residents.
How do I choose a long-term care insurance agent in Torrington?
Look for an agent licensed in Connecticut with experience in long-term care policies. Ask about their familiarity with carriers that offer Partnership plans. Verify they can explain policy features like inflation protection and elimination periods clearly.
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