The top-rated long-term care insurance agent in Milford, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.7 stars across 228 reviews. Other highly rated options include Fisher Insurance Agency, Inc (FIAI), Foy Insurance, A Division of World, Universal Insurance Agency, INC. This directory lists 14 long-term care insurance agents serving Milford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 2 Beach St | (508) 473-0095 |
| 2 | Fisher Insurance Agency, Inc (FIAI) | 194 West St UNIT 7 | (508) 853-2400 |
| 3 | Foy Insurance, A Division of World | 154 West St | (508) 473-4747 |
| 4 | Universal Insurance Agency, INC | 209 E Main St | (508) 453-1530 |
| 5 | Point Insurance - Milford | 207 Main St | (833) 280-6080 |
| 6 | Bright Agency | 6 Congress St | (508) 473-0556 |
| 7 | Massachusetts Association of Insurance Agents | 91 Cedar St | (508) 634-2900 |
| 8 | Secure Insurance Agency Milford | 122 Medway Rd | (339) 219-1565 |
| 9 | Capacity Insurance Services Milford | 271 Main St | (508) 426-9564 |
| 10 | Selected Insurance Milford | 174 Main St | (508) 426-9590 |
A-Affordable Insurance Agency, Inc. serves the Milford, Massachusetts area, offering long-term care insurance guidance to local residents. The agency helps clients plan for future custodial care needs, including assistance with daily living activities not covered by standard health plans. They work with individuals to evaluate policy options that provide coverage for nursing home stays and assisted living facilities. Additional services include consulting on home-based care insurance solutions to protect personal savings.
Fisher Insurance Agency, Inc (FIAI) serves the greater Milford, Massachusetts area as a long-term care insurance agent. The agency assists clients in understanding and selecting policies that help cover the costs of extended care, including home health aides and assisted living facilities. Its work focuses on helping individuals plan for potential future care needs. The agency handles both traditional long-term care policies and hybrid life insurance policies that include long-term care riders.
Foy Insurance, A Division of World serves the Milford area as a long-term care insurance agent, helping clients plan for future care needs. The company assists with policy selection to cover home health care, assisted living, and nursing home expenses. Regular policy reviews and updates are offered to adapt to changing health and financial circumstances. The agency works with individuals preparing for potential extended care requirements and families supporting aging parents. It services single-family homes and also counsels those residing in apartments, retail spaces, and local restaurants.
Serving Milford, Massachusetts, and the surrounding communities, Universal Insurance Agency, INC specializes in long-term care insurance as an agent. The company helps clients navigate coverage options to prepare for potential future care needs. Each situation is assessed individually, with a focus on reviewing policy features and costs. The agency typically handles a job by first consulting with the client to understand their financial circumstances and care preferences, then presenting suitable plan choices for their consideration.
Point Insurance in Milford works with individuals and families planning for future care needs, offering guidance on long-term care insurance policies. Services include assessing coverage options to protect assets against the high cost of extended care, whether at home or in a facility. The agent clarifies policy benefits and helps clients navigate coverage details. This Milford-based agency also serves residents throughout the Worcester metro, including neighboring communities such as Hopkinton and Franklin.
Bright Agency serves clients in Milford, Massachusetts, by distinguishing between one-time policy consultations that review current needs and recurring service agreements that manage ongoing premium changes and benefit adjustments. Coverage guidance focuses on protecting assets against the high costs of home care, assisted living, and nursing facility stays. Educational discussions help clients understand elimination periods, inflation protection riders, and partnership-qualified policies. Service runs on a one-time, scheduled, or as-needed basis according to each client’s preference for engagement.
The Massachusetts Association of Insurance Agents in Milford provides specialized guidance on long-term care insurance policies, helping clients navigate coverage options for future care needs. The agency assists with policy comparisons, benefit structures, and application processes for comprehensive planning. It serves local residents preparing for retirement while addressing concerns about asset protection. The firm helps older adults or their families facing an immediate need to secure coverage following a sudden health change or upcoming care transition.
As the population in Milford ages, many families begin planning for potential future care needs, making guidance essential. Secure Insurance Agency Milford addresses this by helping local residents understand the complexities of long-term care insurance policies. Their agents explain how coverage can protect savings from escalating costs of assisted living, home health aides, or nursing facilities. They provide a straightforward analysis of each client’s financial situation and health background. The process begins with a complimentary initial assessment to review personal goals and policy options.
Residential service is the primary focus for Capacity Insurance Services Milford, which also provides commercial coverage for long-term care needs within Milford, Massachusetts, and the surrounding area. This agency guides clients through policy options that help protect savings against rising care costs. Since care requirements can change over time, they encourage periodic policy reviews to adjust coverage as needed. Clients typically return for updates or additional quotes during subsequent planning sessions or between regular care visits.
What Does a a Long-Term Care Insurance Agent in Milford Cost?
Long-term care insurance premiums in Massachusetts vary widely based on age, health, and policy features. A typical annual premium for a 55-year-old in good health might range from 1,500 to 3,000 dollars for a policy with a 150 dollar daily benefit and a 3-year benefit period. For a 65-year-old, the same policy could cost 2,500 to 4,500 dollars per year. Costs are higher for policies with inflation protection or longer benefit periods. This is general information, not insurance advice.
About long-term care insurance agents in Milford
Long-term care insurance agents in Milford, Massachusetts help residents plan for future care needs. Agents can explain policies that may qualify under the Massachusetts Partnership for Long-Term Care program, which offers asset protection. Working with a local agent ensures you understand state-specific rules and coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in Milford do?
An agent helps you compare policies from different insurers and explains coverage for nursing home care, assisted living, and home care. They can also guide you on Massachusetts Partnership policies that protect a portion of your assets.
How does the Massachusetts Partnership for Long-Term Care program work?
This program allows you to keep a portion of your assets equal to the amount your policy pays out. For example, if your policy pays 100,000 dollars in benefits, you can protect 100,000 dollars of assets from Medicaid recovery.
Are there age limits for buying long-term care insurance in Massachusetts?
Most insurers offer policies to people aged 18 to 84, but premiums increase with age. Buying a policy in your 50s or 60s typically results in lower premiums. Some carriers may decline coverage for applicants over age 79.
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