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Find Long-Term Care Insurance Agents Near You in Bay City, MI

Browse long-term care insurance agents serving Bay City, Michigan. Updated 2026-07-14.

The top-rated long-term care insurance agent in Bay City, Michigan is Farmers Insurance - Mark Townsend, rated 4.8 stars across 159 reviews. Other highly rated options include Jon LaPorte - State Farm Insurance Agent, Lori Harrison - State Farm Insurance Agent, MCI Insurance. This directory lists 20 long-term care insurance agents serving Bay City.

Showing 20 long-term care insurance agents in Bay City, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Farmers Insurance - Mark Townsend509 E Midland St(989) 469-0009
2Jon LaPorte - State Farm Insurance Agent1416 State St #1(989) 895-5570
3Lori Harrison - State Farm Insurance Agent815 Columbus Ave(989) 895-5536
4MCI Insurance701 N Madison Ave(989) 892-5541
5The Kory Agency900 S Euclid Ave(989) 391-5200
6Superior Insurance Group916 Washington Ave SUITE 210(989) 893-7651
7Michael Hayes Agency/Farm Bureau Insurance509 S Euclid Ave(989) 684-4160
8AAA Insurance - Kolm Insurance Group702 S Euclid Ave(989) 316-1170
9DuRussel Insurance Agency3741 Wilder Rd # C(989) 671-8206
10Aird Insurance Group - Farm Bureau Insurance903 Saginaw St(989) 792-9687
FI
509 E Midland St
Farmers Insurance - Mark Townsend
Long-Term Care Insurance Agent · Bay City, MI

Farmers Insurance - Mark Townsend serves Bay City and all of Bay County, Michigan, providing long-term care insurance planning and coverage. Their agency helps local residents protect their assets and savings from the high costs of extended nursing home or in-home care. They guide clients through evaluating their future care needs and selecting suitable policy options. This Bay City firm specializes in developing personalized long-term care policies and offering benefit comparison reviews for area families.

JL
1416 State St #1
Jon LaPorte - State Farm Insurance Agent
Long-Term Care Insurance Agent · Bay City, MI

Jon LaPorte - State Farm Insurance Agent in Bay City, MI, offers a range of long-term care insurance services designed to help clients plan for future care needs. The agency provides policy reviews and adjustments to maintain coverage that aligns with changing personal circumstances and health requirements. Regular consultations help clients understand how their plans address potential long-term care expenses. The agency serves clients who own single-family homes, apartments, retail properties, and restaurants.

LH
815 Columbus Ave
Lori Harrison - State Farm Insurance Agent
Long-Term Care Insurance Agent · Bay City, MI

Lori Harrison - State Farm Insurance Agent serves homeowners and individuals in Bay City, Michigan who are planning for future care needs. This agency offers long-term care insurance policies designed to help cover expenses associated with extended medical or personal assistance. Clients receive guidance on selecting coverage that may protect savings and provide access to necessary services. The agent also assists residents throughout the Tri-Cities area, including those in nearby Saginaw.

MI
701 N Madison Ave
MCI Insurance
Long-Term Care Insurance Agent · Bay City, MI

Serving Bay City and the surrounding communities of Michigan’s Great Lakes Bay Region, MCI Insurance handles the placement of long-term care insurance policies designed to protect clients’ assets against the costs of extended care. The agency works with individuals and families to navigate coverage options for nursing homes, assisted living, and home-based care services. To handle a typical case, it first assesses a client’s current health status and financial goals, then evaluates several carriers to recommend a suitable plan.

KA
900 S Euclid Ave
The Kory Agency
Long-Term Care Insurance Agent · Bay City, MI

In Bay City, MI, the Kory Agency helps clients differentiate between one-time policy reviews and ongoing needs assessments, then guides them through the selection of long-term care insurance coverage. These policies are designed to protect assets by funding future care at home or in a facility. Service runs on an as-needed basis, allowing clients to schedule consultations only when a new policy or reevaluation is required.

SI
916 Washington Ave SUITE 210
Superior Insurance Group
Long-Term Care Insurance Agent · Bay City, MI

Serving Bay City, MI, Superior Insurance Group provides long-term care insurance agency services, focusing on policies that cover nursing home care, assisted living, and home health aide expenses. It assists clients in evaluating coverage options to protect savings and maintain care choices as needs evolve. The agency helps individuals understand how policies coordinate with Medicare and Medicaid. As aging winter months bring increased fall risks, it advises residents on adjusting plans to address shifting health situations and potential care needs.

MH
509 S Euclid Ave
Michael Hayes Agency/Farm Bureau Insurance
Long-Term Care Insurance Agent · Bay City, MI

As Bay City families face the rising costs of extended health needs, the Michael Hayes Agency/Farm Bureau Insurance helps residents plan ahead with long-term care insurance policies. Covering services like nursing home or in-home support, these policies protect savings and relieve family stress. The agency guides clients through available coverage options tailored to local cost considerations. First, the company reviews each household’s medical history and financial goals before scheduling a no-obligation initial assessment to outline potential plan choices.

AI
702 S Euclid Ave
AAA Insurance - Kolm Insurance Group
Long-Term Care Insurance Agent · Bay City, MI

AAA Insurance - Kolm Insurance Group helps clients in Bay City, MI, plan for the financial impact of extended personal care needs. As a long-term care insurance agent, the company specializes in policies that cover nursing home stays, assisted living, and in-home care. It assists individuals in assessing their future health risks and selecting appropriate coverage levels. The agency serves professionals in local office environments, industrial warehouse facilities, and food service operations throughout the region.

DI
3741 Wilder Rd # C
DuRussel Insurance Agency
Long-Term Care Insurance Agent · Bay City, MI

DuRussel Insurance Agency serves long-term care insurance needs for residents of Bay City, Michigan. The agency assists clients in planning for future care expenses through individual coverage options. Its service area encompasses the greater Bay City region. Commercial long-term care policies are also available for business clients. A policy is evaluated thoroughly during the initial consultation to match personal circumstances. The agent maintains contact for follow-up questions and schedules coverage reviews between regular service visits.

AI
903 Saginaw St
Aird Insurance Group - Farm Bureau Insurance
Long-Term Care Insurance Agent · Bay City, MI
LA
916 N Euclid Ave
The Lenar Agency
Long-Term Care Insurance Agent · Bay City, MI
(989) 401-7770
FB
903 Saginaw St
Farm Bureau Insurance Engelhardt Agency
Long-Term Care Insurance Agent · Bay City, MI
(989) 895-4321
farmbureauinsurance-mi.com/Portal/Wireframes/AgentAdditionalPage.aspx
JA
706 S Euclid Ave
Jacobs & Associates
Long-Term Care Insurance Agent · Bay City, MI
(989) 267-1650
BI
503 N Euclid Ave Suite 11
Bechert Insurance Group-Farm Bureau Insurance in Bay City
Long-Term Care Insurance Agent · Bay City, MI
(989) 656-6860
michfb.com/request-a-quote
SA
721 Washington Ave ste 505
Secure Assets Insurance Agency, LLC-Specializing in Medicare Plans
Long-Term Care Insurance Agent · Bay City, MI
(989) 414-1377
secureassetsia.com
FI
2105 10th St
Fremont Insurance
Long-Term Care Insurance Agent · Bay City, MI
(989) 891-9324
HW
800 S Euclid Ave
Heritage Wise Group
Long-Term Care Insurance Agent · Bay City, MI
(989) 781-3010
heritagewisegroup.com
VU
1108 W Jenny St
Valley United Insurance
Long-Term Care Insurance Agent · Bay City, MI
(989) 686-7099
valleyunitedinsurance.com
MM
815 E Midland St Suite 2
Mid Michigan Insurance and Financial Services, LLCs
Long-Term Care Insurance Agent · Bay City, MI
(989) 327-9660
mmifsllc.com
CC
703 Washington Ave
Carol Campbell - Aflac Insurance Agent
Long-Term Care Insurance Agent · Bay City, MI
(989) 893-5550

What Does a a Long-Term Care Insurance Agent in Bay City Cost?

In Michigan, long-term care insurance premiums vary based on age, health, and benefit amount. For a 55-year-old, a policy with 165,000 dollars in initial benefits may cost between 1,500 and 3,000 dollars per year. Rates are higher for older buyers and lower for those in good health. This is general information, not insurance advice.

About long-term care insurance agents in Bay City

Long-term care insurance agents in Bay City, Michigan help residents plan for future care needs while protecting savings. Michigan offers the Partnership for Long-Term Care program, which allows policyholders to qualify for Medicaid without spending down all assets. An agent can explain how these state-specific policies work and compare options from multiple carriers.

Frequently Asked Questions

What does a long-term care insurance agent in Bay City do?

An agent helps you understand policy options, compare benefits, and apply for coverage. They explain Michigan Partnership rules and how inflation protection affects premiums. The agent does not sell for one company but can show plans from several insurers.

How does the Michigan Partnership program affect my policy?

Michigan Partnership policies allow you to keep assets equal to the benefits paid out if you later need Medicaid. For example, if your policy pays 100,000 dollars in benefits, you can keep that amount in assets and still qualify for Medicaid. An agent can tell you which policies qualify.

Are there time limits to buy long-term care insurance in Michigan?

There is no state deadline to purchase, but premiums increase with age. Michigan law requires a 30-day free look period after buying a policy. You can cancel within that time for a full refund. An agent can help you review the policy during this period.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each long-term care insurance agent's credentials and current standing with your state Department of Insurance.