Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Kentucky before hiring.
Showing 8 long-term care insurance agents in Covington, KY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Riverfront Insurance Partners
525 W 5th St Suite 235A, Covington, KY 41011
(859) 512-8325
riverfrontinsurancepartners.com
Phil Hale Insurance
36 W Pike St 3rd floor, Covington, KY 41017
(513) 619-1611
Best Insurance Services Inc
6 E 5th St, Covington, KY 41011
(859) 279-0892
Sherrill Morgan
525 W 5th St, Covington, KY 41011
(859) 291-6600
sherrillmorgan.com
Curt Nortman - State Farm Insurance Agent
4333 Winston Ave, Covington, KY 41015
(859) 491-0438
covingtoncarinsurance.com
TrustFirst Insurance Agency
430 Madison Ave, Covington, KY 41011
(859) 592-4961
bilzinsurance.com
ThriveSure Insurance KY
530 Madison Ave, Covington, KY 41011
(859) 474-5684
huntington.com
Gallagher Insurance, Risk Management & Consulting
100 E Rivercenter Blvd Suite 800, Covington, KY 41011
(859) 581-2088
assuredpartners.com
What Does a Long-Term Care Insurance Agent in Covington Cost?
Long-term care insurance premiums in Kentucky vary based on age, health, and coverage amount. For a healthy 55-year-old, a policy with a $165 daily benefit and a 3-year benefit period may cost between $1,500 and $3,000 per year. Costs increase with age and for those with pre-existing conditions. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Covington do?
An agent helps you compare policies from different insurers, explains coverage options, and assists with the application process. They also guide you on Kentucky-specific rules such as the Partnership Program and tax incentives.
How do Kentucky laws affect long-term care insurance?
Kentucky requires insurers to offer inflation protection and nonforfeiture benefits on certain policies. The state also has a 30-day free look period during which you can cancel a policy for a full refund.
What is the Kentucky Long-Term Care Partnership Program?
This program lets you keep a portion of your assets equal to the benefits paid by your policy if you later need Medicaid. It helps Covington residents avoid spending down all savings before qualifying for assistance.