The top-rated long-term care insurance agent in Shelby Township, Michigan is SWITCH Insurance Group, rated 4.8 stars across 308 reviews. Other highly rated options include Health Insurance Experts LLC, Filliccia Insurance Agency, Dallo Insurance Group. This directory lists 18 long-term care insurance agents serving Shelby Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | SWITCH Insurance Group | 7857 25 Mile Rd Suite 103 | (248) 636-4200 |
| 2 | Health Insurance Experts LLC | 4037 S Lake | (248) 840-2074 |
| 3 | Filliccia Insurance Agency | 50551 Van Dyke Ave | (248) 537-4040 |
| 4 | Dallo Insurance Group | 45489 Market St | (248) 606-4991 |
| 5 | Lifetime Insurance Services | 7857 25 Mile Rd Suite 103 | (888) 376-4364 |
| 6 | Green Valley Insurance Agency | 50258 Van Dyke Ave C | (586) 580-3663 |
| 7 | Comparion Insurance Agency | 13001 23 Mile Rd STE 102 | (586) 532-7298 |
| 8 | Brightway Insurance, The Brad Valls Agency | 2330 Auburn Rd Ste 4 | (586) 840-2070 |
| 9 | Mansfield Insurance Group | 8790 23 Mile Rd | (586) 522-4427 |
| 10 | Todd Terry: Allstate Insurance | 45545 Mound Rd | (586) 726-2550 |
SWITCH Insurance Group serves clients in Shelby Township, Michigan, and the surrounding Macomb County area as a long-term care insurance agency. It provides guidance for individuals planning for future care needs. The firm helps customers compare policies to cover nursing home, assisted living, and home health care expenses. Fact-based consultations focus on the costs of extended care and how private insurance can protect personal assets. The agency handles underwriting for hybrid life and long-term care policies and reviews options for adult children seeking coverage for aging parents.
Health Insurance Experts LLC in Shelby Township, MI provides long-term care insurance services, including assistance with policy selection and enrollment for individuals planning for future care needs. The agency also offers periodic policy reviews and support with claims navigation to help maintain coverage over time. It typically services single-family homes, apartments, retail businesses, and restaurants in the local area.
Filliccia Insurance Agency serves individuals and families in Shelby Township, Michigan, who are planning for future health needs through long-term care coverage. The agency helps clients identify policies that address potential expenses for assisted living or in-home support. General guidance includes comparing benefit periods and daily coverage amounts to match personal financial goals. An agent clarifies how these plans interact with Medicare and personal savings. The agency also extends its services to neighboring communities such as Utica and the broader Macomb County area.
Dallo Insurance Group in Shelby Township, MI assists clients by distinguishing between long-term care policies requiring a single premium payment and those with ongoing annual premiums. Coverage planning primarily addresses the financial burden of in-home assistance, assisted living, or nursing facility care. Navigating these options involves evaluating individual health histories and future care preferences to secure appropriate policy terms. Service runs on an as-needed basis, with consultations scheduled when an individual seeks guidance on new coverage or policy adjustments.
Serving Shelby Township and the surrounding communities of Macomb County, Lifetime Insurance Services handles long-term care insurance policies for local residents. The company focuses on helping individuals prepare for potential future needs such as in-home care, assisted living, or nursing home expenses. It assists clients by reviewing their current financial situation and long-term goals to determine suitable coverage options. The agent typically gathers personal health and financial details, then compares plans from various carriers to present tailored recommendations.
Green Valley Insurance Agency specializes in long-term care insurance policies, assisting clients in Shelby Township, MI, with planning for future care needs. The agency guides individuals through policy options that help cover costs for nursing homes, assisted living, and home-based care. It works with customers to compare plans from various insurers. As winter approaches, many aging residents consider policies that address potential coverage gaps caused by seasonal illnesses or accidents requiring extended rehabilitation.
Comparion Insurance Agency provides long-term care insurance services to individuals and families in Shelby Township, Michigan. The agency specializes in policies that help cover costs associated with extended care needs, including home health aides, assisted living, and nursing facility stays. By tailoring coverage options to each client's financial and health circumstances, the agency assists residents in planning for future care requirements. Its services are available to clients in office settings, warehouses, and food service establishments, helping safeguard assets across various commercial sectors.
As local families in Shelby Township and the surrounding areas begin reviewing their financial plans for the upcoming year, planning for the potential high costs of extended care becomes a central concern. Brightway Insurance, The Brad Valls Agency helps area residents navigate available long-term care insurance products and policy options to address this need. The agency focuses on explaining how these plans can protect assets and preserve personal choice. An initial consultation begins with a thorough review of the individual’s current coverage and personal priorities.
Todd Terry: Allstate Insurance in Shelby Township, MI, assists individuals with their long-term care insurance needs. The agency specializes in plans that help cover expenses for extended nursing home, assisted living, or in-home care services. Understanding the financial demands of aging, the agency guides clients through available policy options designed to protect savings during retirement. As a local resource, its long-term care insurance agent can advise both private households and commercial operations, including offices, warehouses, and food service businesses seeking employee benefit solutions.
What Does a a Long-Term Care Insurance Agent in Shelby Township Cost?
In Michigan, long-term care insurance premiums vary widely based on age, health, and coverage level. A typical annual premium for a 55-year-old might range from 1,500 to 3,000 dollars. Costs increase significantly for older applicants or those with health conditions. This is general information and not insurance advice.
About long-term care insurance agents in Shelby Township
Long-term care insurance agents in Shelby Township help residents plan for future care costs not covered by health insurance or Medicare. Michigan law offers a tax deduction for qualified long-term care insurance premiums. An agent can explain policy options and guide you through the application process.
Frequently Asked Questions
What does a long-term care insurance agent in Shelby Township do?
An agent helps you compare policies from different insurers and explains coverage details. They assess your needs and budget to find a suitable plan. They also assist with the application and underwriting process.
Is long-term care insurance tax deductible in Michigan?
Yes, Michigan allows a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and policy type. Consult a tax professional for your specific situation.
What is the best age to buy long-term care insurance in Michigan?
Most experts recommend buying a policy in your mid-50s to early 60s. Premiums are lower when you are younger and healthier. Waiting too long may result in higher costs or denial of coverage.
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