The top-rated long-term care insurance agent in Marlborough, Massachusetts is Globe Life American Income Division: Moore Sodan Gelb Organization, rated 4.9 stars across 1,399 reviews. Other highly rated options include Jeffrey (JP) Phillips at Comparion Insurance Agency, AAA Marlborough, Ultimate Insurance Agency. This directory lists 22 long-term care insurance agents serving Marlborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Moore Sodan Gelb Organization | 65 Boston Post Rd W #200 | (508) 658-9635 |
| 2 | Jeffrey (JP) Phillips at Comparion Insurance Agency | 11 Apex Dr Suite 204B | (508) 621-0176 |
| 3 | AAA Marlborough | 197 Boston Post Rd W | (508) 303-2400 |
| 4 | Ultimate Insurance Agency | 28 Boston Post Rd E | (508) 485-1835 |
| 5 | Point Insurance - Marlborough | 190 Main St | (508) 480-0054 |
| 6 | Shaun Beauregard at Comparion Insurance Agency | 11 Apex Dr Suite 204B | (508) 621-3682 |
| 7 | Stephen W. Gersh Insurance Agency Inc. | 9 Monument Ave | (508) 485-1926 |
| 8 | Lunova Insurance LLC, Business, Commercial Auto, Property, Liability, Flood, Life, Cyber, Home & Auto Insurance Agency | 14A Winthrop St | (508) 258-7195 |
| 9 | Hutchins & Threatt Insurance Agency Inc | 4 Mt Royal Ave Suite 350 BUIlDING # 4, 3rd floor | (508) 460-0800 |
| 10 | D. Francis Murphy Insurance Agency | 200 Main St | (508) 485-8211 |
Globe Life American Income Division: Moore Sodan Gelb Organization serves the greater Marlborough area in Middlesex County, Massachusetts. This agency specializes in long-term care insurance policies designed to help individuals cover the costs of extended medical assistance at home or in care facilities. It assists local residents in planning for future health needs through coverage options that address chronic illness and disability scenarios. The organization provides guidance on selecting policies that protect assets and manage the financial impact of ongoing care requirements for clients of all ages.
Homeowners and individuals planning for future healthcare needs in Marlborough, MA turn to Jeffrey (JP) Phillips at Comparion Insurance Agency for long-term care insurance guidance. The agent helps clients evaluate policy options that cover in-home assistance, assisted living, and nursing facility costs. Professional consultations focus on explaining coverage terms and premium structures. The agency also serves neighboring communities throughout the MetroWest region, including the Hudson and Framingham areas where residents seek similar retirement financial planning support.
AAA Marlborough in Marlborough, MA provides long-term care insurance guidance, helping individuals evaluate policy options for future care needs. The company assists clients in understanding coverage plans that address in-home care, assisted living, and nursing facility expenses. Its service includes periodic policy reviews to adjust benefits as personal circumstances or insurance providers change. Regular engagement ensures clients maintain appropriate coverage for evolving health requirements. The company’s clientele includes homeowners of single-family residences, apartment dwellers, retail business proprietors, and owners of restaurant properties requiring tailored long-term care insurance solutions.
Serving Marlborough, MA, and the broader Metrowest region, Ultimate Insurance Agency assists clients with long-term care insurance to protect their assets and future care needs. The agency helps individuals plan for the potential costs of nursing homes, assisted living, or home health aides. This work often involves analyzing a client’s financial situation and existing health coverage. Using a consultative approach, the agent reviews policy options and explains key features such as benefit periods and daily coverage limits to build a suitable plan.
Point Insurance in Marlborough, Massachusetts, distinguishes one-time consultations from long-term care insurance plans requiring recurring policy reviews. Coverage options address expenses like nursing home stays, assisted living, and home-based care within the local area. The agency guides clients through the complexities of policy selection and benefit triggers. Evaluations typically cover premium structures and future cost projections. The company adjusts its service schedule entirely to the client’s preference, offering appointments on a one-time, scheduled, or as-needed basis.
As winter approaches, Marlborough residents often plan for future health needs, and Shaun Beauregard at Comparion Insurance Agency assists by offering long-term care insurance policies tailored to those concerns. The company helps clients understand coverage for assistance with daily activities, whether at home or in a facility. Protecting assets while preparing for potential care requirements is a primary focus. The initial step involves a no-obligation assessment to review personal circumstances and financial goals, ensuring the options presented align with what the client expects from a plan.
Stephen W. Gersh Insurance Agency Inc. offers long-term care insurance plans, helping individuals prepare for the potential costs of assisted living, nursing home stays, or in-home care. Serving the Marlborough, Massachusetts area, the agency works with clients to assess their future care needs and review suitable policy options. It focuses on explaining coverage details and how benefits are paid out over time. The agency also addresses concerns about protecting retirement assets from being depleted by extended medical or custodial care expenses during seasonal transitions like moving a parent into a care facility.
Lunova Insurance LLC offers businesses a range of coverage including commercial auto, property, liability, and cyber insurance. Its long-term care insurance service helps clients in the Marlborough area plan for future care needs, protecting assets against extended medical expenses. Flood and life policies further round out its portfolio. The agency can serve commercial sectors such as offices, warehouses, and food service establishments, addressing their distinct operational and liability risks.
D. Francis Murphy Insurance Agency, based in Marlborough, MA, is known for helping individuals secure long-term care coverage tailored to their future needs. The firm serves clients across the local area by explaining policy options and comparing plans that address personal health and financial goals. Its work typically involves assessing client assets and preferences to recommend appropriate benefit structures. When developing a coverage strategy, the agency can coordinate solutions that combine long-term care insurance with a separate annuity product.
What Does a a Long-Term Care Insurance Agent in Marlborough Cost?
Long-term care insurance premiums in Massachusetts vary by age, health, and policy features. A typical annual premium for a 55 year old might range from 1,500 to 3,000 dollars. For a 65 year old, the same coverage could cost 2,500 to 5,000 dollars per year. Costs also depend on benefit amount, elimination period, and inflation options. This is general information and not insurance advice.
About long-term care insurance agents in Marlborough
Long-term care insurance agents in Marlborough help residents plan for future care needs. Massachusetts offers a Partnership program that allows policyholders to protect assets equal to the benefits paid. An agent can explain how this program works with your financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Marlborough do?
An agent helps you compare policies from different insurers. They explain coverage options, benefit periods, and inflation protection. They also guide you on Massachusetts specific rules like the Partnership program.
How does the Massachusetts Partnership program affect my policy?
The Partnership program lets you keep assets equal to the benefits your policy pays. This means if your policy pays out 200,000 dollars in benefits, you can protect 200,000 dollars of assets from Medicaid recovery. An agent can help you choose a qualifying policy.
Are there time limits for buying long-term care insurance in Massachusetts?
There is no state law requiring a purchase by a certain age. However, premiums are lower when you buy at a younger age. Insurers can deny coverage based on health conditions, so buying earlier may be wise.
Long-Term Care Insurance Agents in Other Massachusetts Cities
Andover · Arlington · Attleboro · Auburn · Belmont · Beverly · Boston · Braintree · Bridgewater · Brockton · Burlington · Cambridge · Canton · Chelmsford · Chelsea