The top-rated long-term care insurance agent in Hoffman Estates, Illinois is Wes Black - State Farm Insurance Agent, rated 4.9 stars across 188 reviews. Other highly rated options include Brad Sutter - State Farm Insurance Agent, Sean Progar - State Farm Insurance Agent, Comparion Insurance Agency. This directory lists 13 long-term care insurance agents serving Hoffman Estates.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wes Black - State Farm Insurance Agent | 1051 W Golf Rd Suite A | (847) 843-3434 |
| 2 | Brad Sutter - State Farm Insurance Agent | 1584 Algonquin Rd | (847) 221-4000 |
| 3 | Sean Progar - State Farm Insurance Agent | Est, 2316 Hassell Rd | (847) 648-7111 |
| 4 | Comparion Insurance Agency | 2815 Forbs Ave Ste 100 | (847) 658-6067 |
| 5 | Stairway Insurance Agency | 2000 Center Dr D219 | (847) 777-6720 |
| 6 | L & M Financial Services, Inc. | 2200 W Higgins Rd Suite 203 | (847) 519-1154 |
| 7 | David Templer: Allstate Insurance | 990 Grand Canyon Pkwy | (847) 286-3555 |
| 8 | Alfredo Gaddini American Family Insurance | 2500 W Higgins Rd Suite 350 | (847) 885-4860 |
| 9 | Galaxy Life Insurance Company | 2400 Hassell Rd | (847) 973-7271 |
| 10 | J.A.S. Insurance Services | 2081 Barrington Rd | — |
Wes Black - State Farm Insurance Agent serves the Hoffman Estates, Illinois area with long-term care insurance. These policies help individuals plan for future personal care needs, such as assistance with daily activities in home or facility settings. The agent works with clients to review potential coverage options that protect assets from the high costs of extended support. This office specifically handles quoting personalized plans and guiding families through the process of comparing policy benefits for their area.
Brad Sutter, an insurance agent with State Farm in Hoffman Estates, Illinois, helps homeowners, families, and individuals plan for future medical and custodial care needs by providing long-term care insurance policies. These plans are designed to cover expenses often not paid by standard health insurance or Medicare. The agency explains the different policy types and assists clients in comparing coverage options that suit their budgets and personal circumstances. This service also extends to residents living in nearby communities throughout the greater Chicagoland area, including Schaumburg.
Sean Progar - State Farm Insurance Agent in Hoffman Estates, IL, provides long-term care insurance coverage to help clients plan for future care needs. The agency offers ongoing service and policy maintenance to ensure coverage remains aligned with changing health and financial circumstances. Policy updates and billing support are available to clients throughout the life of their plan. The agency serves a variety of property types, including single-family homes, apartment complexes, retail locations, and casual dining restaurants.
Comparion Insurance Agency serves homeowners, businesses, and individuals in Hoffman Estates, Illinois, who are planning for future healthcare needs. It provides long-term care insurance policies designed to help cover the cost of extended nursing, assisted living, or in-home care. The agency guides clients through selecting coverage that addresses potential personal and financial risks associated with aging or chronic illness. Clients can expect professional assistance in evaluating policy options and benefit structures that suit their specific situations. Comparion Insurance Agency also serves nearby communities throughout the greater Schaumburg area.
Stairway Insurance Agency serves Hoffman Estates and the surrounding northwest suburban communities, helping clients plan for the financial challenges that often accompany aging and chronic illness. The firm handles the specifics of long-term care insurance, explaining policy types, benefit triggers, and inflation protection options. It focuses on simplifying the complex decisions that families face when preparing for future care needs. To handle a typical job, the agency takes a consultative approach, starting with a review of the client's personal situation before recommending options that align with individual needs and budget.
L & M Financial Services, Inc., based in Hoffman Estates, assists clients with long-term care insurance options that differ between a single comprehensive policy plan and recurring coverage designed for ongoing care needs. The agency helps individuals evaluate protection against the financial burden of future assisted living or home care expenses. Service appointments are conducted on an as-needed basis, determined by each client’s request for an initial consultation or a policy review.
David Templer: Allstate Insurance in Hoffman Estates offers focused guidance on long-term care insurance policies. It assists clients with understanding coverage options for services like home care, assisted living, and nursing facilities. The agency generally helps individuals navigate their insurance needs across various personal and financial protection plans. For many families, planning for potential long-term care costs becomes especially urgent following a recent health change or the start of a new retirement phase.
As winter approaches and many Hoffman Estates residents consider how to protect their savings from the high cost of extended care, Alfredo Gaddini American Family Insurance helps local families evaluate long-term care coverage options. The agency explains how policies can cover home health aides, assisted living, or nursing home stays around the Chicago suburbs. Their process begins with a complimentary discussion to compare plan features and premiums for each individual’s situation, followed by the initial assessment of current health needs.
Galaxy Life Insurance Company assists clients in planning for future care needs through long-term care insurance policies in the Hoffman Estates area. The firm specializes in pairing these coverage plans with supplemental options such as inflation protection or shared-care benefits to address varying client circumstances. Its agents work with individuals, families, and local businesses protecting assets against extended care costs. The company can serve commercial sectors including offices, warehouses, and food service operations.
What Does a a Long-Term Care Insurance Agent in Hoffman Estates Cost?
Long-term care insurance premiums in Illinois 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 dollars per year, while a 65 year old may pay 2,500 to 5,000 dollars annually. Costs also depend on the daily benefit amount and inflation protection chosen. This is general information and not insurance advice.
About long-term care insurance agents in Hoffman Estates
A long-term care insurance agent in Hoffman Estates can help you understand policies that cover nursing home care, assisted living, and home health services. Illinois offers a Partnership Program that allows policyholders to protect assets while qualifying for Medicaid. Working with a local agent ensures you get coverage tailored to your needs and budget.
Frequently Asked Questions
What does a long-term care insurance agent in Hoffman Estates do?
An agent helps you compare policies from different carriers and explains coverage options like daily benefit amounts and elimination periods. They also guide you through Illinois specific rules, such as the state Partnership Program which provides asset protection.
How does the Illinois Long-Term Care Partnership Program work?
This program lets you keep assets equal to the benefits paid by your policy if you later need Medicaid. For example, if your policy pays out 100,000 dollars in benefits, you can protect that amount of assets from Medicaid spend-down requirements. An agent can explain how this applies to your situation.
Are there age limits for buying long-term care insurance in Illinois?
Most carriers in Illinois offer policies to people between ages 18 and 84, but premiums are lower when you buy at a younger age. Some insurers may require medical underwriting for applicants over 60. An agent can help you find a policy that fits your age and health status.
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