The top-rated long-term care insurance agent in Granite City, Illinois is Felicia Gilbert - State Farm Insurance Agent, rated 4.9 stars across 551 reviews. Other highly rated options include Freeway Insurance, Brian Mateer - State Farm Insurance Agent, United Insurance Brokerage Firm Inc. This directory lists 15 long-term care insurance agents serving Granite City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Felicia Gilbert - State Farm Insurance Agent | 2421 Corporate Center # 200 | (618) 931-2020 |
| 2 | Freeway Insurance | 3431 Nameoki Rd | (618) 230-7033 |
| 3 | Brian Mateer - State Farm Insurance Agent | 3112 Maryville Rd | (618) 931-7000 |
| 4 | United Insurance Brokerage Firm Inc | 3024 Nameoki Rd | (618) 877-2644 |
| 5 | Maryland Moats Lexow Insurance | 2166 Pontoon Rd | (618) 876-1705 |
| 6 | Longevity Living of Granite City | 3450 Village Ln | (618) 268-3771 |
| 7 | State Farm Insurance | 2231 Pontoon Rd | (618) 797-2204 |
| 8 | Hildebrand, Thomas E Insurance Office | 2709 Madison Ave | (618) 226-4616 |
| 9 | Dan Palovick - State Farm Insurance Agent | 3723 Nameoki Rd | (618) 877-4918 |
| 10 | Brandon Pruett - COUNTRY Financial Agent | 1557 Johnson Rd | (618) 512-4245 |
Felicia Gilbert - State Farm Insurance Agent serves clients in the Granite City, Illinois area and the surrounding Madison County region. As a long-term care insurance agent, the company helps individuals plan for future medical and personal care needs that regular health coverage often does not pay for. It provides guidance on policies that cover care received at home or in assisted living facilities. This agency specifically assists with policy selection and policy application processing.
Freeway Insurance in Hazel Crest, IL, is known for connecting local residents with long-term care insurance policies that help cover the costs of assisted living, nursing home care, and in-home support. They serve clients by explaining coverage options and coordinating applications with various carriers across the area. This agency specializes in guiding clients through the complexities of benefit triggers and policy riders, including the potential addition of inflation protection to safeguard future care needs.
Brian Mateer - State Farm Insurance Agent serves local homeowners, retirees, and business owners seeking financial protection against the high costs of extended care. The agency provides guidance on long-term care insurance policies, helping clients plan for potential needs such as nursing home or in-home support services. Conversations focus on evaluating individual coverage options and future care scenarios. Residents of Granite City can meet with the agent to review their specific circumstances. The agency also covers the surrounding metro communities, including nearby Madison County areas.
United Insurance Brokerage Firm Inc in Granite City, IL provides comprehensive long-term care insurance planning and policy placement services. It assists clients in evaluating their coverage needs, comparing multiple policy options, and selecting appropriate plans. The company also offers ongoing policy review and claims support to help beneficiaries navigate the application process. Its service area includes surrounding communities, covering a range of residential and commercial property types, including single-family homes, apartments, retail storefronts, and restaurants.
Serving Granite City and the surrounding Illinois communities, Maryland Moats Lexow Insurance handles long-term care insurance coverage for local residents. The agency explains the various policy options designed to help individuals manage the potential costs of extended care services in their later years. It provides information on how such coverage may protect personal savings from the financial impact of assisted living or nursing home stays. To address a typical client inquiry, the agent begins by reviewing the person's financial situation and health history before presenting appropriate policy choices for consideration.
Longevity Living of Granite City helps clients compare long-term care insurance options, which typically offer either a daily or monthly benefit for care received at home or in a facility. Coverage may also include inflation protection and shared care provisions for couples. These policies are designed to protect assets against the high costs of extended care. The company assists with initial policy selection and future claims support, meeting individuals for consultation or plan review on an as-needed basis.
State Farm Insurance in Granite City, IL offers long-term care insurance agent services, focusing on policies that help cover expenses for home care, assisted living, and nursing facilities. The agency assists local families in evaluating coverage options and planning for potential future care needs. It also helps clients adjust their protection during seasonal transitions, such as preparing for winter months when home care needs can become more urgent.
Hildebrand, Thomas E Insurance Office provides financial guidance to individuals preparing for future healthcare needs. The agency specializes in long-term care insurance coverage and related policy options, assisting clients in Granite City, IL, and the surrounding area. Its services focus on protecting assets while addressing the potential costs of extended medical assistance. Commercial sectors served include office environments, warehouse facilities, and food service operations.
As winter approaches in Granite City, many families begin planning for future care needs that can arise from aging or unexpected illness. Dan Palovick - State Farm Insurance Agent offers guidance on long-term care insurance policies designed to help protect savings and provide access to necessary services. Understanding the local costs of home health aides or nursing facilities is essential when comparing coverage options. Their process starts with a complimentary initial-assessment conversation to review each client’s current health situation, financial goals, and potential care preferences before presenting any specific plan details.
Brandon Pruett - COUNTRY Financial Agent provides long-term care insurance services to residents in and around Granite City, IL. Commercial coverage is also available to local businesses and their employees. The agency serves the broader Granite City area, drawing on a general understanding of community health and care needs. Clients can expect clear explanations of policy options during initial consultations, with the agent making himself available to follow up and adjust plans between regular annual reviews.
What Does a a Long-Term Care Insurance Agent in Granite City Cost?
Long-term care insurance costs in Illinois vary by age, health, and coverage amount. For a 55-year-old, a policy with a 3-year benefit period and a 3% inflation rider might cost between $1,500 and $3,000 per year. Premiums for a 65-year-old can range from $2,500 to $5,000 annually. These are estimates and actual costs depend on your personal factors. This is general information, not insurance advice.
About long-term care insurance agents in Granite City
Long-term care insurance agents in Granite City, Illinois help residents plan for future care needs. Illinois offers a Partnership program that allows policyholders to protect assets while qualifying for Medicaid. Agents can explain how these policies work with local nursing homes and home care providers in Madison County.
Frequently Asked Questions
What does a long-term care insurance agent do in Granite City?
An agent helps you compare policies from different carriers, explains coverage limits, and guides you on benefit periods. They can also show how an Illinois Partnership policy can help you keep assets if you later need Medicaid.
Is long-term care insurance tax deductible in Illinois?
Yes, premiums for qualified long-term care insurance may be deductible as a medical expense on your federal taxes. Illinois follows federal guidelines, so check with a tax professional for your specific situation.
How does the Illinois Long-Term Care Partnership Program work?
The Partnership Program lets you buy a state-approved policy that provides dollar-for-dollar asset protection. If you use the policy benefits and later need Medicaid, you can keep assets equal to the benefits paid out. Agents in Granite City can explain this feature.
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