The top-rated long-term care insurance agent in Waterford Township, Michigan is Joe Fagan - State Farm Insurance Agent, rated 4.9 stars across 473 reviews. Other highly rated options include J. Bejin & Associates, AAA Insurance - Jon Gilroy Insurance Agency, Acrisure Waterford Township, MI (Huttenlocher Group). This directory lists 18 long-term care insurance agents serving Waterford Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Fagan - State Farm Insurance Agent | 6909 Highland Rd | (248) 666-2590 |
| 2 | J. Bejin & Associates | 2300 Dixie Hwy Suite 415 | (248) 599-9076 |
| 3 | AAA Insurance - Jon Gilroy Insurance Agency | 5324 Highland Rd | (248) 618-3665 |
| 4 | Acrisure Waterford Township, MI (Huttenlocher Group) | 1007 W Huron St | (248) 681-2100 |
| 5 | Vikings Insurance Agency | 4209 Sashabaw Rd | (248) 674-2271 |
| 6 | Vollrath Insurance Services | 4700 Dixie Hwy | (248) 673-1219 |
| 7 | LOOK! Insurance Agencies, Inc. | 1400 Scott Lake Rd a | (248) 673-5665 |
| 8 | DAD Agency - Insurance | 5459 Dixie Hwy | (248) 623-2323 |
| 9 | Willow Insurance Group | 4944 Highland Rd | (855) 677-2221 |
| 10 | Superior Health Plans Agency | 6624 Cooley Lake Rd | (231) 331-3906 |
Joe Fagan - State Farm Insurance Agent serves Waterford Township, MI, providing long-term care insurance coverage to local residents. This agency helps clients plan for future health needs by explaining policy options that protect assets and cover extended care costs. Support includes outlining various benefits, eligibility requirements, and premium structures for individual policies. As part of a larger national carrier, the office can also integrate long-term care discussions with other financial protections. Specific services include assistance with policy selection for nursing home care and in-home support coverage.
J. Bejin & Associates, a long-term care insurance agent in Waterford Township, MI, provides clients with assistance in evaluating and selecting individual policies designed to cover extended care needs. Their services include guiding clients through policy options and enrollment for future care expenses. They provide ongoing support for plan maintenance, helping clients adjust coverage as their personal circumstances change over time. The company serves homeowners, apartment residents, local retail businesses, and restaurant operators throughout the community.
AAA Insurance - Jon Gilroy Insurance Agency in Waterford Township, MI, serves local homeowners and families planning for future care needs. The agency provides long-term care insurance policies designed to help cover expenses for extended medical or personal support services. These plans can assist with costs associated with nursing homes, assisted living, or in-home care that regular health insurance does not cover. The agency also serves clients in neighboring communities throughout Oakland County and the surrounding metro Detroit area.
Serving clients in Waterford Township, Michigan, and the surrounding southeastern Michigan communities, Acrisure Waterford Township (Huttenlocher Group) handles long-term care insurance needs for local families. This work typically focuses on helping individuals plan for potential future costs of assisted living, nursing home care, or in-home health services. The agency generally begins each job by reviewing a client’s existing coverage and personal financial situation, then evaluating available plan features and benefits. This approach aims to find suitable coverage options that align with each client’s unique long-term care priorities and budget.
When families arrange care in Waterford Township, they may choose home health visits that occur regularly or skilled nursing that follows an accident. Vikings Insurance Agency helps clients compare long-term care insurance policies that cover these recurring and unexpected medical costs. A thorough consultation reviews waiting periods and daily benefit amounts to match a resident’s financial plan. Depending on the policy selected, this local agency’s assistance may be provided on a one-time basis for initial coverage setup or on a scheduled basis for annual policy reviews.
As Michigan winters approach and care needs become more pressing for aging residents, Vollrath Insurance Services in Waterford Township helps families plan for future long-term care expenses. The agency focuses on guiding clients through the complexities of long-term care insurance, offering policies that cover services like home health aides and assisted living. Agents work one-on-one to explain coverage options based on personal circumstances and budgets. The process begins with an initial assessment of each client’s health history and financial goals.
LOOK! Insurance Agencies, Inc. specializes in providing long-term care insurance policies to residents of Waterford Township, MI. The agency assists clients in evaluating options for covering the costs of nursing home care, assisted living, and in-home health services. It also works to align these protections with individual retirement savings and asset preservation strategies. A key concern it helps address is the financial risk of needing extended care following a sudden medical event or a gradual decline in health later in life.
DAD Agency - Insurance in Waterford Township, MI helps clients prepare for the financial impact of extended care needs. They focus specifically on long-term care coverage, offering policies that protect assets in case of chronic illness, disability, or aging-related health challenges. These plans can cover in-home care, assisted living, or nursing home stays, depending on individual needs. Their services are available to various commercial sectors, including offices, warehouses, and food service businesses that seek employee benefit options for long-term care planning.
Willow Insurance Group serves long-term care insurance needs for residents in and around Waterford Township, Michigan. The agency also addresses commercial coverage requirements for local businesses in the area. Licensed professionals guide clients through policy options that help protect assets against future care costs. They assist with comparing plan features and premiums to find suitable coverage. Regular follow-up service is provided between annual policy reviews to adjust plans as clients’ circumstances change.
Superior Health Plans Agency, based in Waterford Township, MI, is known for helping clients navigate the complexities of long-term care insurance. The agency serves local residents by evaluating individual care needs and explaining policy options that can cover services like home care, assisted living, and nursing facility stays. It works with standard carriers to match clients with appropriate plans for future health and financial security. Its specialty add-on service includes providing guidance on hybrid life and long-term care insurance policies.
What Does a a Long-Term Care Insurance Agent in Waterford Township Cost?
Long-term care insurance agent services in Michigan typically do not charge a separate fee because agents earn commissions from insurance companies. Policy premiums vary widely based on age, health, coverage amount, and benefit period. For a 55 year old in Michigan, a policy with a daily benefit of 150 dollars might cost between 1,500 and 3,000 dollars per year. Costs increase with age and for those with health conditions. This is general information, not insurance advice.
About long-term care insurance agents in Waterford Township
Long-term care insurance agents in Waterford Township help residents plan for future care expenses. Michigan law requires agents to hold a valid insurance license and follow state regulations for policy disclosures. These professionals can explain policy options and help you compare coverage from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent do in Waterford Township?
A long-term care insurance agent helps you understand policy types, coverage limits, and benefit periods. They can explain Michigan specific rules such as the 30 day free look period for new policies. Agents also assist with comparing premiums from different insurance companies.
Does Michigan require a special license for long-term care insurance agents?
Yes, Michigan requires agents to complete a one time training course on long-term care insurance before selling policies. Agents must also follow the Michigan Long-Term Care Partnership program rules if offering partnership policies. This training ensures agents understand state specific consumer protections.
What is the Michigan Long-Term Care Partnership program?
The Michigan Long-Term Care Partnership program allows policyholders to protect some assets from Medicaid spend down requirements. To qualify, the policy must meet state standards and be sold by a certified agent. This program helps Waterford residents plan for both insurance and potential Medicaid needs.
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