The top-rated long-term care insurance agent in Oswego, Illinois is The Calder Agency: Allstate Insurance, rated 4.9 stars across 434 reviews. Other highly rated options include Janna Misek - State Farm Insurance Agent, Nicole Hupp: Allstate Insurance, Rick Weissenhofer - State Farm Insurance Agent. This directory lists 19 long-term care insurance agents serving Oswego.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Calder Agency: Allstate Insurance | 2765 Walter Payton Memorial Hwy | (630) 554-5252 |
| 2 | Janna Misek - State Farm Insurance Agent | 1136 Douglas Rd | (630) 554-1540 |
| 3 | Nicole Hupp: Allstate Insurance | 4589 IL-71 | (630) 833-8100 |
| 4 | Rick Weissenhofer - State Farm Insurance Agent | 2261 Orchard Rd | (630) 554-5277 |
| 5 | Holten Insurance Agency | By appointment only - meeting location provided upon scheduling, 4913 Seeley St | (630) 424-0200 |
| 6 | Zac Mcgrogan - State Farm Insurance Agent | 72 W Washington St | (630) 554-8800 |
| 7 | Tri-County Insurance Agency, Inc. "Bentley Agency" | 44 Monroe St | (815) 200-5528 |
| 8 | VERONICA CONTRERAS: Allstate Insurance | 3408 Orchard Rd | (630) 536-3090 |
| 9 | Hometowne Insurance | 4424 IL-71 | (630) 554-4040 |
| 10 | AAA Insurance - Short Insurance Agency | 10 E Merchants Dr | (630) 981-0018 |
The Calder Agency: Allstate Insurance serves the Oswego, Illinois area and surrounding communities in Kendall County as a long-term care insurance agent. It helps individuals and families evaluate financial protection strategies for future care needs. The agency provides guidance on policy options designed to cover assisted living, home health care, and nursing facility expenses. Its services include comparing benefits from different carriers and assisting with policy applications to secure coverage for long-term care.
Janna Misek - State Farm Insurance Agent in Oswego, IL, provides long-term care insurance policies designed to help individuals plan for future personal care needs. These policies cover services such as in-home assistance, adult daycare, and nursing facility stays. The agency offers initial policy setup and ongoing service, including annual policy reviews to adjust coverage as circumstances change. Clients may also discuss care coordination resources that simplify accessing local care providers. The agency serves a variety of properties in the area, including single-family homes, apartments, retail establishments, and restaurants.
Serving local homeowners and individuals planning for their future healthcare needs, Nicole Hupp: Allstate Insurance provides long-term care insurance guidance in Oswego, Illinois. The agency helps clients explore coverage options that protect savings and secure access to care. Customizing plans to each situation, they address common concerns about aging and chronic illness expenses. This Yorkville-area office also extends its services to surrounding communities in Kendall County and the greater Aurora metro region.
Serving Oswego, Illinois, and the surrounding communities, this agency handles long-term care insurance planning for local residents. It helps clients understand how policies can cover home care, assisted living, and nursing facility expenses. The office explains key features such as benefit periods, daily benefit amounts, and elimination periods. For each prospective client, it begins by reviewing personal assets and family health history to recommend appropriate coverage options.
Holten Insurance Agency in Oswego, IL helps clients understand the difference between one-time policy purchases and recurring premium payment structures when planning long-term care coverage. They can explain how various policies address costs for nursing homes, assisted living, and home care services. The agency works with individuals to design financial safeguards that protect assets against expensive future care needs. Service runs on an as-needed basis, allowing clients to consult when they are ready to evaluate policy options or update an existing plan.
In Oswego, IL, Zac McGrogan – State Farm Insurance Agent specializes in long-term care insurance for clients planning for future care needs. The agency provides guidance on coverage options for nursing homes, assisted living, and in-home care services. Tailoring policies to individual health goals, it also offers general insurance services to help secure financial protection. As colder months approach, the agency helps clients address long-term care concerns related to seasonal mobility risks and winter-related health challenges.
As local families begin planning for potential future care needs, Tri-County Insurance Agency, Inc. "Bentley Agency" in Oswego, IL, provides guidance on long-term care insurance options. These policies help protect personal assets against the high costs of extended care, often a concern in the area’s aging population. The agency works with clients to review policy types and estimate appropriate coverage levels for their specific circumstances. A standard first step involves scheduling an initial consultation to discuss personal health background and financial goals.
Veronica Contreras: Allstate Insurance provides residential long-term care insurance solutions to individuals and families in the Oswego, Illinois area, while also offering commercial coverage options for local businesses. As a long-term care insurance agent in this region, the company assists clients with planning for potential future care needs, including nursing home and home health services. The firm encourages follow-up discussions or schedule adjustments between regular visits to ensure coverage remains aligned with changing health conditions.
Hometowne Insurance in Oswego, IL, is known for guiding clients through the complex considerations of long-term care coverage. It advises on policies that help protect assets and ensure access to care, serving individuals and families planning for future health needs in the surrounding area. The agency explains policy terms and benefit structures with a focus on matching coverage to personal financial goals. Its specialty service includes offering guidance on hybrid life and long-term care insurance policies that combine benefits.
AAA Insurance - Short Insurance Agency in Oswego, IL, helps individuals plan for the financial challenges of extended care, offering guidance on policies that cover services like nursing home care or assisted living. The agency focuses specifically on long-term care insurance, providing local expertise in assessing coverage options to protect retirement savings and preserve assets. It serves a variety of commercial sectors, including offices, warehouses, and food service establishments, helping business owners and their employees secure their financial futures.
What Does a a Long-Term Care Insurance Agent in Oswego Cost?
Long-term care insurance premiums in Illinois vary widely based on age health and benefit levels. A typical policy for a 55-year-old might cost between 150 and 300 dollars per month for a 165 dollar daily benefit with a 3-year term. Older applicants or those with richer benefits will pay more. This is general information not insurance advice.
About long-term care insurance agents in Oswego
Long-term care insurance agents in Oswego Illinois help residents plan for future care needs. Agents can explain policies that may qualify under the Illinois Partnership for Long-Term Care program which allows asset protection. Local agents understand the specific regulations and tax incentives available to Illinois policyholders.
Frequently Asked Questions
What does a long-term care insurance agent in Oswego do?
A long-term care insurance agent helps you compare policies from different carriers. They explain benefit triggers coverage options and how the Illinois Partnership program works. They do not provide legal advice but can help you understand policy features.
How does the Illinois Partnership for Long-Term Care affect my policy?
The Illinois Partnership program allows you to protect a portion of your assets equal to the benefits paid by your policy. To qualify the policy must meet state standards and be certified by the Illinois Department of Insurance. An agent can help you find a Partnership-qualified policy.
Are there tax benefits for long-term care insurance in Illinois?
Illinois offers a state income tax deduction for long-term care insurance premiums. The deduction amount depends on your age and the policy type. Federal tax treatment may also apply for qualified policies. An agent can explain how these deductions work.
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