The top-rated long-term care insurance agent in Royal Palm Beach, Florida is Insurance Express Florida, rated 5.0 stars across 746 reviews. Other highly rated options include Sean Valley: Allstate Insurance, The Leonard Insurance Agency, LLC, Estrella Insurance. This directory lists 11 long-term care insurance agents serving Royal Palm Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Insurance Express Florida | 9100 Belvedere Rd #206 | (954) 284-3933 |
| 2 | Sean Valley: Allstate Insurance | 11327 Okeechobee Blvd Ste 4 | (561) 798-3056 |
| 3 | The Leonard Insurance Agency, LLC | 11440 Okeechobee Blvd #219 | (561) 255-5543 |
| 4 | Estrella Insurance | 11051 Southern Blvd ste 140 | (561) 469-7633 |
| 5 | Dan Cavin - State Farm Insurance Agent | 1167 Royal Palm Beach Blvd | (561) 946-3000 |
| 6 | LOI Insurance | 11953 Southern Blvd | (561) 600-1387 |
| 7 | Evergreen Insurance Agency | 583 105th Ave N UNIT 2 | (561) 966-8883 |
| 8 | GreatFlorida Insurance: Kena Farley | 9200 Belvedere Rd 211 STE 211 | (561) 795-5860 |
| 9 | Bright Ocean Insurance Solutions | 1076 Stardust Way | (561) 543-0012 |
| 10 | Bigelow & Larsen Insurance Agency Inc | 685 Royal Palm Beach Blvd STE 103B | (561) 615-1100 |
Insurance Express Florida serves Royal Palm Beach and the surrounding Palm Beach County area, offering guidance on long-term care insurance. The agency helps individuals plan for future care needs, focusing on policies that cover assisted living and in-home support. In this role, the agent explains coverage options, costs, and benefit triggers to local clients seeking financial protection. Specific services handled include helping residents compare policy features and navigating the enrollment process for individual long-term care plans.
As Florida’s summer heat arrives, many Royal Palm Beach families begin reviewing their financial preparations for the future. Sean Valley: Allstate Insurance specializes in guiding local seniors and their loved ones through the process of selecting Long-Term Care Insurance coverage tailored to their needs. The agency explores policy options that help protect assets and ease the burden of extended care costs. They conduct an initial assessment to evaluate individual health factors and financial goals before recommending suitable plans.
The Leonard Insurance Agency, LLC provides services relating to long-term care insurance planning to residents of Royal Palm Beach and the surrounding region. Its offerings include evaluating individual needs and explaining coverage options for future care requirements. Ongoing support helps clients review their policies and adjust as personal circumstances change over time. The agency assists with policy claims and addresses coverage questions to maintain an active protection plan. Its expertise covers long-term care insurance needs for those owning single-family homes, apartments, retail, and restaurants.
Estrella Insurance provides long-term care insurance guidance for clients in Royal Palm Beach, Florida. This agency helps individuals plan for future care needs, covering services such as nursing home care and in-home support. Its long-term care specialist work includes explaining policy options and assisting with coverage selection. The company can serve commercial sectors including offices, warehouses, and food service establishments requiring group benefit discussions.
Dan Cavin - State Farm Insurance Agent serves homeowners, families, and individuals in Royal Palm Beach, Florida who seek long-term care insurance coverage. This agency helps clients plan for future personal care needs by offering policies that assist with extended medical or custodial care. As a licensed agent, Cavin evaluates each client’s situation to recommend suitable coverage options tailored to their financial goals. The agency also provides service to residents throughout the greater West Palm Beach metropolitan area, including neighboring communities such as Wellington.
Based in Royal Palm Beach, LOI Insurance serves clients throughout Palm Beach County and the surrounding communities of South Florida. It specializes specifically in long-term care insurance for individuals and families. The agency helps clients plan for potential future needs related to chronic illness, disability, or aging. Each case typically begins with a thorough review of the client’s health history and financial situation. It then presents clear options for suitable policy coverage to address those personal risk factors.
Specializing in guiding clients through long-term care insurance options, Evergreen Insurance Agency serves families in and around Royal Palm Beach, FL. It provides clear explanations of policy differences. General service work includes assessing coverage needs and comparing available plans to match individual budgets and health situations. Moving forward, the agency helps clients adjust policies in response to seasonal changes in care costs or unexpected shifts in a family’s caregiving responsibilities.
Shoppers in Royal Palm Beach can choose between a one-time consultation to assess their current policy or recurring service to adjust coverage as circumstances change, while long-term care insurance agents also clarify how benefits cover home care, assisted living, or nursing facilities. Clients often learn about underwriting requirements and elimination periods that affect their monthly premiums. Service runs on a one-time, scheduled, or as-needed basis.
As Royal Palm Beach residents begin planning for their health care needs later in life, Bright Ocean Insurance Solutions assists with policies that cover extended nursing or home-based assistance. This agency specializes in explaining the differences between traditional and hybrid long-term care plans available to local families. They help clients understand waiting periods, daily benefit amounts, and inflation protection riders that affect future coverage options. An initial consultation begins by reviewing current health status and financial priorities before recommending suitable policy types for evaluation.
Bigelow & Larsen Insurance Agency Inc assists individuals in Royal Palm Beach, Florida, with financial planning focused on long-term care coverage. The agency helps clients understand policy options for managing future healthcare expenses, protecting assets, and maintaining independence. It serves both personal households and local businesses, including offices, warehouses, and food service operations, where employer-sponsored benefits may be offered.
What Does a a Long-Term Care Insurance Agent in Royal Palm Beach Cost?
Long-term care insurance premiums in Florida vary widely by age health and benefit amount. For a 55-year-old a policy with 150 daily benefit and 3-year term may cost 150 to 250 per month. For a 65-year-old the same policy could cost 300 to 500 per month. Costs also depend on inflation protection and elimination period. This is general information not insurance advice.
About long-term care insurance agents in Royal Palm Beach
Long-term care insurance agents in Royal Palm Beach help residents plan for future care needs. Florida law requires agents to hold a valid 2-15 or 2-18 license to sell these policies. Local agents understand the Palm Beach County market and can explain how Florida Partnership for Long-Term Care programs may protect assets.
Frequently Asked Questions
What license does a long-term care insurance agent need in Florida?
Agents must hold a Florida 2-15 life and health license or a 2-18 general lines license. They also must complete a one-time 8-hour training course on long-term care insurance before selling policies.
How does Florida Partnership for Long-Term Care affect my policy?
This program allows policyholders to protect assets equal to the benefits paid by their policy. For example if your policy pays 100k in benefits you can keep 100k in assets and still qualify for Medicaid. Not all agents are certified to sell partnership policies.
Are there time limits to buy long-term care insurance in Florida?
Florida does not set a maximum age but most insurers stop issuing new policies after age 79. You must apply while you are healthy. Pre-existing conditions may lead to denial or higher premiums.
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