The top-rated long-term care insurance agent in Niles, Illinois is Guillermo Chavez-Angeles - State Farm Insurance Agent, rated 4.9 stars across 467 reviews. Other highly rated options include Jeff Curry - State Farm Insurance Agent, Kim Stokes - State Farm Insurance Agent, Farmers Insurance - Wioletta Kurzatkowski. This directory lists 14 long-term care insurance agents serving Niles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Guillermo Chavez-Angeles - State Farm Insurance Agent | 7400 N Waukegan Rd Ste 105 | (847) 983-8343 |
| 2 | Jeff Curry - State Farm Insurance Agent | 8135 N Milwaukee Ave | (847) 965-3880 |
| 3 | Kim Stokes - State Farm Insurance Agent | 6610 N Milwaukee Ave | (847) 496-5508 |
| 4 | Farmers Insurance - Wioletta Kurzatkowski | 8050 N Milwaukee Ave | (773) 792-9000 |
| 5 | Violetta Wujkowski American Family Insurance | 7636 N Milwaukee Ave | (847) 294-9772 |
| 6 | Tony Barda: Allstate Insurance | 8045 N Milwaukee Ave Ste I | (847) 470-9797 |
| 7 | Farmers Insurance - Florentina Hainal-Roman | 7777 N Caldwell Ave UNIT 104 | (773) 527-7383 |
| 8 | LS Premier Enterprises Inc. | 8926 N Greenwood Ave #118 | (847) 834-9612 |
| 9 | Sky Insurance Services Inc | 9169 N Milwaukee Ave | (847) 965-1900 |
| 10 | Jill Martin - State Farm Insurance Agent | 9103B N Milwaukee Ave | (847) 966-8444 |
Guillermo Chavez-Angeles - State Farm Insurance Agent serves Niles, Illinois, and the surrounding communities in Cook County. It handles long-term care insurance policies designed to help clients cover expenses related to extended care needs. The agency assists individuals with evaluating their personal financial situations and understanding the potential gaps in their existing coverage. A typical job begins with a thorough review of the client's current benefits and health history, followed by a comparison of available plan options that best match their specific requirements and long-term goals.
Jeff Curry - State Farm Insurance Agent serves the Niles, IL area and the surrounding suburban communities for long-term care insurance needs. The agency helps individuals plan for future care expenses that Medicare does not cover, focusing on preserving savings and family well-being. Their work involves explaining policy features like daily benefit amounts, benefit periods, and inflation protection options. The agency assists clients in selecting suitable long-term care coverage and evaluating how these policies coordinate with existing retirement income strategies.
Kim Stokes - State Farm Insurance Agent in Niles, IL, offers long-term care insurance policies to help individuals plan for future care needs. The company assists clients in exploring coverage options that address personal health and financial goals, providing ongoing support through policy reviews and claims assistance. Its plans are designed to protect assets and maintain independence as clients age. The firm serves single-family homes, apartments, retail, and restaurants, offering guidance on insurance solutions for various properties and circumstances.
Farmers Insurance - Wioletta Kurzatkowski serves homeowners, individuals, and families seeking to protect their assets against the high costs of extended care. The agency helps clients understand policy options and coverage needs for nursing home, assisted living, and home-based care in the Niles, Illinois area. Services include personalized consultations to compare plans from multiple carriers, eligibility guidance, and straightforward policy explanations. This long-term care insurance agent also assists customers in neighboring communities throughout Chicago’s northern suburbs, including Skokie and Morton Grove.
Serving Niles and the surrounding communities in the Chicago area, Violetta Wujkowski American Family Insurance handles long-term care insurance planning for local clients. This agency helps individuals evaluate coverage options that address the potential costs of extended medical or custodial care at home or in specialized facilities. Recognizing that each financial situation differs, it assesses specific needs and future considerations before presenting suitable policy choices. During a typical job, it provides a clear overview of policy terms and costs, then guides the client through the application process.
In Niles, IL, Tony Barda: Allstate Insurance distinguishes between one-time policy consultations and recurring service plans for long-term care needs. Coverage options are explained thoroughly to help clients prepare for future personal care expenses. The agent works closely with individuals and families to review benefits and claims processes over time. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s evolving situation and policy requirements.
Farmers Insurance - Florentina Hainal-Roman in Niles, Illinois provides long-term care insurance planning to help clients safeguard assets against the high costs of extended care. It also offers guidance on policy options for home health, assisted living, or nursing facility needs, working with individuals and families to evaluate coverage that fits their financial goals. This agent continues serving the local community, including assisting clients during open enrollment periods when coverage decisions require careful review.
LS Premier Enterprises Inc. works with individuals and families in the Niles area to research and select long-term care insurance policies that address future health and aging needs. The agency specializes in pairing coverage options with broader retirement and estate planning strategies. Serving local customers, the firm helps navigate policy details including benefit triggers, daily benefit amounts, and inflation riders. Its commercial client divisions include professional offices, warehouses, and food service establishments requiring employee benefit provisions.
As northern Illinois residents begin planning for the later stages of life, the cost of extended care becomes a pressing concern. Sky Insurance Services Inc, located in Niles, helps individuals evaluate their options for protecting assets through long-term care coverage. The agency works with clients to match policy features with anticipated needs, reviewing benefit periods and inflation protections. A thorough initial assessment is scheduled to discuss personal health history and financial goals before any plan recommendations are offered.
Jill Martin - State Farm Insurance Agent provides long-term care insurance services to residents in Niles, IL, helping individuals prepare for possible future care needs. The agency also offers commercial coverage options for local businesses requiring employee or client protection plans. Service extends throughout the immediate Niles area and surrounding suburban communities. Each consultation focuses on matching policy features with personal care goals and financial situations. Clients often return for policy reviews or adjustments after life changes, ensuring ongoing coverage aligns with evolving needs between regular visits.
What Does a a Long-Term Care Insurance Agent in Niles Cost?
Long-term care insurance premiums in Illinois vary based on age, health, and benefit amount. A typical policy for a 55-year-old may cost between 1,500 and 3,000 dollars per year. For a 65-year-old the same coverage could range from 2,500 to 5,000 dollars annually. Costs also depend on the elimination period and inflation rider chosen. This is general information and not insurance advice.
About long-term care insurance agents in Niles
A long-term care insurance agent in Niles Illinois helps you understand policy options and plan for future care costs. Illinois law requires agents to explain the Illinois Partnership for Long-Term Care program which offers asset protection for qualified policies. Working with a local agent ensures you receive guidance tailored to your specific health and financial situation.
Frequently Asked Questions
What does a long-term care insurance agent in Niles do?
A long-term care insurance agent reviews your health history and financial goals to recommend suitable policy options. They explain benefit triggers, elimination periods, and inflation protection. Agents also help you compare carriers and complete applications.
How does the Illinois Partnership program affect my policy?
The Illinois Partnership for Long-Term Care allows you to keep assets equal to the benefits paid by your policy if you later need Medicaid. Agents must be certified to sell Partnership policies. This program is only available for tax-qualified plans that meet state standards.
What are the age limits for buying long-term care insurance in Illinois?
Most Illinois carriers offer policies to individuals between ages 18 and 84. Premiums increase with age so buying earlier can lock in lower rates. Some carriers have minimum age requirements of 40 or 50 for certain policy features.
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