The top-rated long-term care insurance agent in Ballwin, Missouri is D Freihaut Agency & Associates LLC American Family Insurance, rated 4.9 stars across 114 reviews. Other highly rated options include Shelter Insurance - David Keane, Matt Kennington - COUNTRY Financial Advisor, Kyle Uhlig: Allstate Insurance. This directory lists 13 long-term care insurance agents serving Ballwin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | D Freihaut Agency & Associates LLC American Family Insurance | 15117 Manchester Rd | (636) 394-9700 |
| 2 | Shelter Insurance - David Keane | 119 Woods Mill Rd | (636) 391-8684 |
| 3 | Matt Kennington - COUNTRY Financial Advisor | 14780 Clayton Rd | (636) 537-3355 |
| 4 | Kyle Uhlig: Allstate Insurance | 110A Holloway Rd | (636) 227-2229 |
| 5 | Kollin Gilliam - COUNTRY Financial Agent | 14780 Clayton Rd | (573) 556-6386 |
| 6 | Associated Insurance Brokers | 410 Sovereign Ct STE 6 | (636) 391-3500 |
| 7 | D Smith Agency & Associates LLC American Family Insurance | 15332 Manchester Rd Suite 220 | (636) 238-0084 |
| 8 | Farmers Insurance - Craig Berry | 15332 Manchester Rd Ste 211 | (636) 230-3377 |
| 9 | Obermeyer Insurance Group | 15009 Manchester Rd | (314) 495-4211 |
| 10 | Bob Jones - COUNTRY Financial Representative | 14780 Clayton Rd | (636) 686-7347 |
D Freihaut Agency & Associates LLC American Family Insurance serves the Ballwin, Missouri, area as a dedicated long-term care insurance agent. This agency helps clients plan for potential future needs by offering policies that cover services like in-home care and assisted living. Guidance is provided on how these plans can protect personal savings from the high costs of extended care. Assisting with policy selection and application details allows individuals to secure coverage tailored to their financial situation. The agency specifically handles consultations on nursing home coverage and home health aide benefits.
Shelter Insurance - David Keane provides long-term care insurance planning for individuals and families in the Ballwin, Missouri area. This agency offers guidance on policy options that help cover assisted living, nursing home, and in-home care expenses. It assists clients with policy selection and routine plan maintenance to keep coverage aligned with changing needs. Ongoing service includes reviewing policy terms and beneficiary updates. The agency serves homeowners with single-family homes and apartments, as well as local retail shops and restaurants that seek insurance coverage for their business properties.
Matt Kennington - COUNTRY Financial Advisor serves the Ballwin, Missouri area and surrounding communities with professional long-term care insurance services. The company handles the selection and management of policies designed to help clients prepare for future care expenses. Each engagement begins with a thorough assessment of the individual's personal situation and financial considerations. The advisor then reviews available policy options to match coverage with the client's specific needs and budget. A typical job is handled by clarifying coverage details, comparing plan features, and guiding the client through the application process.
Homeowners and families in Ballwin, Missouri, can work with Kyle Uhlig: Allstate Insurance for long-term care insurance coverage. This agency assists clients in understanding policies that help pay for nursing home stays, assisted living, and in-home care. Planning for future care needs is the primary focus, ensuring financial stability during extended health events. The coverage options are discussed clearly to match individual requirements and budgets. This agency also serves the greater St. Louis metropolitan area, including nearby communities like Chesterfield.
Kollin Gilliam - COUNTRY Financial Agent offers long-term care insurance planning to families in Ballwin, MO. The agency guides clients through policy options designed to cover nursing home care, assisted living, and in-home support. Additionally, the office provides general insurance services that help protect personal assets and financial goals. Because extended care needs can arise suddenly after a seasonal family gathering or an unexpected winter fall, the agency assists families in securing coverage ahead of such life transitions rather than during a crisis.
Associated Insurance Brokers in Ballwin, MO provides both one-time consultations for clients evaluating their future care needs and ongoing support for those managing active long-term care policies. The agency specializes in explaining the coverage options for home care, assisted living, and nursing home expenses. For residents in the Ballwin area, understanding the costs of extended care is essential to financial planning. This agent offers guidance tailored to local market conditions. Service assistance is available on a scheduled basis, whether for an initial review or for periodic policy updates.
As Ballwin families face the rising costs of extended medical care later in life, D Smith Agency & Associates LLC American Family Insurance provides guidance on long-term care insurance policies that cover services at home or in a facility. This local agency explains the financial protections these plans offer, helping residents weigh their future health needs. Insuring dignity and choice for aging family members is a primary discussion. An initial assessment of your current coverage and personal objectives begins with a consultation to outline available options.
Farmers Insurance - Craig Berry assists clients in Ballwin, Missouri, with insurance planning. The agency specializes in long-term care insurance, a coverage designed to help manage costs for extended health or personal care needs. This can include nursing home stays, assisted living, or home-based care. The agency aims to support individuals in preparing for potential future care expenses. It works with those who operate offices, maintain warehouses, or run food service establishments, helping them consider protection for personal assets against long-term care risks.
Obermeyer Insurance Group, based in Ballwin, MO, is recognized for providing long-term care insurance coverage to local residents. The agency helps clients plan for future care needs by explaining policy options that cover in-home assistance, assisted living, and nursing facility costs. Agents assess individual circumstances to match clients with appropriate plans that protect savings and assets. Concise policy comparisons are offered to simplify decision making. For added protection, the agency can also arrange short-term care insurance as a specialty service.
Bob Jones - COUNTRY Financial Representative provides long-term care insurance guidance to residents in and around Ballwin, MO. Commercial coverage options are also available for local business owners seeking similar protection for their operations. The firm serves clients throughout the greater St. Louis area, focusing on individual policy needs for future care planning. A dedicated effort is made to help each customer understand their coverage details. Follow-up is offered after policy setup and again during regular service check-ins.
What Does a a Long-Term Care Insurance Agent in Ballwin Cost?
Long-term care insurance costs in Missouri vary by age, health, and coverage level. A typical policy for a 55-year-old may cost between $1,500 and $3,000 per year. Premiums for a 65-year-old often range from $2,500 to $5,000 annually. These figures are estimates and your actual cost depends on your specific situation. This is general information and not insurance advice.
About long-term care insurance agents in Ballwin
A long-term care insurance agent in Ballwin Missouri helps residents plan for future care needs. These agents explain policy features and compare options from multiple carriers. Missouri has a Partnership for Long-Term Care program that allows policyholders to protect assets while qualifying for Medicaid if needed.
Frequently Asked Questions
What does a long-term care insurance agent in Ballwin do?
An agent helps you understand different long-term care insurance policies and find coverage that fits your budget. They explain benefit periods, elimination periods, and inflation protection options. The agent does not sell one specific product but shows you choices from several insurance companies.
Is long-term care insurance required in Missouri?
No, Missouri does not require long-term care insurance. However, many people purchase it to protect savings from high care costs. The Missouri Partnership for Long-Term Care offers policies with asset protection that meet state standards.
How does the Missouri Partnership for Long-Term Care work?
This program allows you to keep a portion of your assets if you later need Medicaid. You must buy a partnership-certified policy from an approved agent. The amount of assets protected equals the benefits paid by your policy.
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