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Find Long-Term Care Insurance Agents Near You in Cutler Bay, FL

Browse long-term care insurance agents serving Cutler Bay, Florida. Updated 2026-07-14.

The top-rated long-term care insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 12 long-term care insurance agents serving Cutler Bay.

Showing 12 long-term care insurance agents in Cutler Bay, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ellie Mills - State Farm Insurance Agent20330 Old Cutler Rd(305) 238-8688
2Estrella Insurance20214 Old Cutler Rd(305) 232-7690
3Choice One Insurance18400 SW 97th Ave STE 101(305) 252-1873
4Del Toro Insurance18651 S Dixie Hwy(305) 252-1009
5Claudia's Insurance Inc18901 SW 106th Ave #132(786) 293-9141
6Arena Insurance Agency Corp10720 Caribbean Blvd Suite 423(305) 251-3312
7Lumina Insurance At Cutler Bay20250 S Dixie Hwy Ste 202(786) 409-0930
8Univista Insurance20280 Old Cutler Rd(786) 401-2505
9Sure Insurance Agency20555 Old Cutler Rd(305) 203-0289
10Statewide Insurance Consultants20523 Old Cutler Rd(305) 233-4611
EM
20330 Old Cutler Rd
Ellie Mills - State Farm Insurance Agent
Long-Term Care Insurance Agent · Cutler Bay, FL

Ellie Mills - State Farm Insurance Agent serves the Cutler Bay, Florida, area and provides long-term care insurance solutions for individuals planning for future care needs. This agency assists clients in evaluating policies designed to cover extended medical or personal care services. As an independent agent, Ellie Mills helps local residents compare long-term care insurance options that address rising care costs in South Florida. She handles both facility-based and home care coverage plans.

EI
20214 Old Cutler Rd
Estrella Insurance
Long-Term Care Insurance Agent · Cutler Bay, FL

As families in Cutler Bay consider future care costs alongside seasonal budget planning, many seek guidance on funding potential extended health needs. Estrella Insurance provides focused support for navigating Long-Term Care Insurance options available in the local market. Their agents help assess policy structures designed to cover assisted living or home-based care, tailoring recommendations to individual financial strategies. Prospective clients are able to begin with an initial consultation that reviews current coverage gaps and personal care preferences.

CO
18400 SW 97th Ave STE 101
Choice One Insurance
Long-Term Care Insurance Agent · Cutler Bay, FL

Choice One Insurance in Cutler Bay, Florida provides a range of long-term care insurance agent services, including policy consultation and plan comparisons for individuals. The company offers ongoing support to help clients maintain their coverage, including assistance with policy adjustments and claims guidance as needs evolve over time. For residents of the greater Cutler Bay area, it serves individual homeowners and families, with options also available for those living in apartments, retail employees, and workers in local restaurants.

DT
18651 S Dixie Hwy
Del Toro Insurance
Long-Term Care Insurance Agent · Cutler Bay, FL

Del Toro Insurance provides long-term care insurance planning for individuals and families in Cutler Bay, Florida. The agency specializes in policies designed to help cover the costs of extended care services, including in-home support and facility-based care. These plans are structured to protect retirement savings from significant health-related expenses. Del Toro Insurance works with clients to identify appropriate coverage options for their personal and financial situations. Its services are available to residential homeowners and renters, as well as commercial sectors such as offices, warehouses, and food service operations.

CS
18901 SW 106th Ave #132
Claudia's Insurance Inc
Long-Term Care Insurance Agent · Cutler Bay, FL

Claudia’s Insurance Inc helps homeowners and families in Cutler Bay, FL, plan for future care needs. As a long-term care insurance agent, the company assists clients in finding policies that cover assisted living, nursing home stays, and in-home support services. This type of coverage helps protect personal savings from high care costs later in life. The agency guides customers through plan options available to residents in the Miami metropolitan area, including nearby communities such as Homestead and Palmetto Bay.

AI
10720 Caribbean Blvd Suite 423
Arena Insurance Agency Corp
Long-Term Care Insurance Agent · Cutler Bay, FL

Arena Insurance Agency Corp serves the Cutler Bay, Florida area and its surrounding communities by helping individuals plan for their long-term care needs. The agency handles the selection of policies that cover expenses for nursing homes, assisted living, and in-home support. Each client's financial situation and future care preferences are reviewed to identify suitable coverage options. The typical job begins with a comprehensive consultation to understand the client’s goals, leading to a tailored comparison of available plans from different carriers.

LI
20250 S Dixie Hwy Ste 202
Lumina Insurance At Cutler Bay
Long-Term Care Insurance Agent · Cutler Bay, FL

At Lumina Insurance At Cutler Bay, clients can choose between a one-time policy review or ongoing service for regular updates to their coverage. The agency specializes in long-term care insurance, helping individuals in Cutler Bay, FL, plan for potential future care needs. Coverage options are explained frankly to ensure informed decisions. Consultations address current policy details and possible adjustments. Service at this agency runs on either a scheduled or an as-needed basis depending on each client’s preference.

UI
20280 Old Cutler Rd
Univista Insurance
Long-Term Care Insurance Agent · Cutler Bay, FL

Univista Insurance provides long-term care insurance consultation for residents in Cutler Bay, Florida. The agency also offers commercial coverage options to local businesses in the surrounding South Miami-Dade region. Addressing future care needs, agents help clients explore policy choices that fund extended medical or personal support services. What sets this operation apart is its focus on maintaining ongoing relationships; policies are reviewed annually, ensuring coverage adapts to changing health circumstances between regular plan updates.

SI
20555 Old Cutler Rd
Sure Insurance Agency
Long-Term Care Insurance Agent · Cutler Bay, FL

Sure Insurance Agency provides guidance on long-term care insurance policies for residents of Cutler Bay, Florida. Its services include helping clients understand policy options that cover nursing home care, assisted living, and in-home support services. The agency works with individuals to plan financially for future care needs while protecting their retirement savings. It often assists families facing the seasonal challenge of evaluating coverage before a parent’s health condition changes or during open enrollment periods.

SI
20523 Old Cutler Rd
Statewide Insurance Consultants
Long-Term Care Insurance Agent · Cutler Bay, FL

As winter approaches in Cutler Bay, many seniors review their health coverage, and Statewide Insurance Consultants offers guidance on long-term care insurance options. The company helps local residents understand policies that cover assisted living or home-based care expenses. Typical appointments involve reviewing current coverage, comparing plans from multiple carriers, and clarifying benefit triggers and elimination periods. A first consultation usually includes a personal needs assessment, where the agent asks about health history, budget, and family care goals before presenting policy choices. This initial assessment step lays the groundwork for any recommended plan.

LI
10700 Caribbean Blvd
Livette Insurance
Long-Term Care Insurance Agent · Cutler Bay, FL
(786) 806-5772
livetteinsurance.us
GI
10393 SW 186th St
GONGAR INSURANCE
Long-Term Care Insurance Agent · Cutler Bay, FL
(786) 418-8914
gongarins.com/contact

What Does a a Long-Term Care Insurance Agent in Cutler Bay Cost?

In Florida, long-term care insurance premiums vary widely based on age, health, and coverage amount. A typical policy for a healthy 55-year-old might cost between $1,500 and $3,000 per year for a basic plan with a 3-year benefit period. Costs increase with age and if you add inflation protection or longer benefit periods. This is general information, not insurance advice.

About long-term care insurance agents in Cutler Bay

Long-term care insurance agents in Cutler Bay, Florida help residents plan for future care costs such as nursing homes or home health aides. Florida law offers the Long-Term Care Partnership Program, which allows policyholders to protect assets equal to the benefits paid out. Agents in Cutler Bay can explain how this program works with local care options and your personal financial situation.

Frequently Asked Questions

What does a long-term care insurance agent in Cutler Bay do?

An agent helps you compare policies from different insurers and explains coverage for nursing homes, assisted living, and home care. They also guide you on Florida-specific rules like the Partnership Program and the 30-day free look period for new policies.

How do Florida Partnership policies work?

Florida Partnership policies let you keep assets equal to the benefits your policy pays out if you later need Medicaid. This means you can protect your savings while still getting long-term care coverage. An agent can show you which policies qualify.

What is the typical age to buy long-term care insurance in Florida?

Most people buy a policy in their 50s or early 60s when premiums are lower and health conditions are less likely to cause denial. Florida law allows insurers to deny coverage based on health history, so buying earlier can help you qualify.

Long-Term Care Insurance Agents in Other Florida Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each long-term care insurance agent's credentials and current standing with your state Department of Insurance.