Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 7 long-term care insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034
(904) 326-3288
nelsonandassociatesinsurance.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
What Does a Long-Term Care Insurance Agent in Fernandina Beach Cost?
Long-term care insurance premiums in Florida vary widely based on age, health, and coverage level. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year, while a 65-year-old could pay $2,500 to $5,000 annually. Florida partnership policies may have slightly higher premiums but offer asset protection benefits. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Fernandina Beach do?
An agent helps you compare policies from different insurers and explains coverage details like daily benefit amounts and elimination periods. They also ensure the policy meets Florida requirements, such as the 30-day free look period. Agents do not provide legal advice but can clarify how a policy works with Medicare or Medicaid.
Are there Florida-specific rules for long-term care insurance?
Yes, Florida has a 30-day free look period where you can cancel a policy for a full refund. The state also requires agents to provide a outline of coverage and a shoppers guide before you buy. Florida offers a Long-Term Care Partnership Program that allows you to keep some assets if you later need Medicaid.
How do I choose a long-term care insurance agent in Fernandina Beach?
Look for an agent licensed in Florida with experience in long-term care policies. Check their history with the Florida Department of Financial Services for any complaints. Ask about the insurers they represent and whether they offer policies that qualify for the Florida Partnership Program.