The top-rated long-term care insurance agent in Columbia, Missouri is Senior Benefit Services: SBS, rated 5.0 stars across 458 reviews. Other highly rated options include Bry Reine Agency LLC American Family Insurance, Insurance Plus, Shelter Insurance - Jeremy Hughes. This directory lists 20 long-term care insurance agents serving Columbia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Senior Benefit Services: SBS | 801 Gray Oak Dr | (800) 627-2768 |
| 2 | Bry Reine Agency LLC American Family Insurance | 2909 Falling Leaf Ln suite c | (573) 442-3368 |
| 3 | Insurance Plus | 1604 Business Loop 70 W | (573) 615-0291 |
| 4 | Shelter Insurance - Jeremy Hughes | 1715 W Worley St Ste A1 | (573) 445-8627 |
| 5 | Lindsey Howard Agency LLC American Family Insurance | 3304 W Brdwy, Bus Pk Ct Ste K | (573) 446-5783 |
| 6 | Kasmann Insurance Agency | 116 N Garth Ave | (573) 442-1105 |
| 7 | Mid-America Specialty Markets - Columbia | 303 N Stadium Blvd #200 | (573) 447-4990 |
| 8 | Columbia Insurance Group | 2102 Whitegate Dr | (800) 877-3579 |
| 9 | Naught Naught Agency | 3928 S Providence Rd | (573) 874-3102 |
| 10 | Harrison Agency Inc | 2100 Whitegate Dr | (573) 474-9537 |
Senior Benefit Services (SBS) serves the Columbia, Missouri metro area as a long-term care insurance agent. The company helps local residents review and secure coverage that protects assets against the high costs of extended care. SBS works with individuals and families to compare plan options from multiple carriers. A typical service it handles includes helping clients understand policy features such as inflation protection and elimination periods.
Bry Reine Agency LLC American Family Insurance provides long-term care insurance coverage and policy reviews for individuals in the Columbia, MO area. Ongoing service includes helping clients adjust existing plans to address changing care needs and verifying coverage details during claims. The agency supports financial planning related to future assisted living or nursing home expenses. It serves single-family homeowners, apartment residents, retail store owners, and restaurant operators.
Insurance Plus serves Columbia residents and local business owners who seek financial protection for future care needs. The agency specializes in helping clients understand long-term care insurance policies that cover services like in-home assistance and nursing facility stays. They guide individuals through plan comparisons to find sustainable coverage for aging. Many clients work with them to preserve assets and reduce family burdens. The firm extends its services to surrounding Boone County communities and also covers the greater Jefferson City area for accessibility.
Serving Columbia, Missouri, and the surrounding communities, Shelter Insurance - Jeremy Hughes handles long-term care insurance needs for local families. This agency addresses the financial planning necessary to cover extended care services, such as nursing homes or in-home assistance. By providing focused guidance on policy options and coverage details, it helps clients prepare for potential future care requirements. To handle a typical job, the agency reviews individual health and financial situations before recommending appropriate policy plans and coverage limits.
Kasmann Insurance Agency in Columbia, Missouri provides long-term care insurance guidance, distinguishing between one-time policy purchases and recurring coverage options. Long-term care insurance helps protect assets by covering services such as home health aides, assisted living, or nursing home stays. The agency assists clients in evaluating their future care needs and selecting appropriate policy structures. Service runs on an as-needed basis, arranged by appointment for initial consultations or periodic policy reviews.
Mid-America Specialty Markets - Columbia connects individuals and businesses with long-term care insurance coverage in the Columbia, Missouri area. The agency specializes in these policies, which help protect assets and cover care costs that health insurance often excludes. Its work includes explaining benefit structures, qualifying applicants, and managing ongoing policy service. The office can also assist commercial sectors, including small or large offices, storage and distribution warehouses, and full-service or quick-service food establishments.
As Columbia residents plan for colder months, concerns about future care needs often arise. Columbia Insurance Group helps families in the area navigate long-term care insurance options, detailing how policies can cover assisted living or home health aides. The agency explains how different plans address local care costs. They listen to each client’s situation and financial goals before presenting available coverage choices. An initial meeting to review personal health history and anticipated needs is the first step toward securing a suitable policy.
Naught Naught Agency provides long-term care insurance to residents in and around Columbia, Missouri. The firm assists individuals with evaluating coverage options that help protect assets and manage the costs of extended care services. Commercial policies are also available for businesses seeking to offer this benefit to employees or partners. Service throughout the local area is emphasized, ensuring clients can meet with an agent without traveling far. Follow-up appointments are routinely scheduled to review policy details and recommend adjustments between regular annual check-ins.
Harrison Agency Inc, located in Columbia, MO, is known for guiding individuals through the complexities of long-term care insurance. The agency helps clients evaluate their future care needs and select policies that protect savings from the high costs of extended care services. It serves seniors and families planning for assisted living, nursing home stays, or in-home care. An agent there can also coordinate policy riders, such as inflation protection, to help maintain coverage value as future care expenses rise.
What Does a a Long-Term Care Insurance Agent in Columbia Cost?
Long-term care insurance agent services in Missouri typically do not charge a separate fee as they earn commissions from insurance carriers. Policy premiums for a 55-year-old in Columbia can range from 1,500 to 3,500 dollars per year depending on coverage amount, benefit period, and inflation options. Costs vary significantly by age, health status, and policy features. This is general information and not insurance advice.
About long-term care insurance agents in Columbia
Long-term care insurance agents in Columbia Missouri help residents plan for future care needs. These agents guide clients through policy options that comply with Missouri state regulations including the Missouri Long-Term Care Partnership Program. Working with a local agent ensures you understand how Missouri law affects your coverage and benefits.
Frequently Asked Questions
What does a long-term care insurance agent in Columbia do?
A long-term care insurance agent in Columbia helps you compare policies from multiple carriers. They explain benefit triggers, inflation protection, and elimination periods. The agent also ensures the policy meets Missouri state requirements for tax qualification and partnership program eligibility.
Are there Missouri specific rules for long-term care insurance?
Yes. Missouri requires insurers to offer inflation protection and a 30-day free look period for all policies. The Missouri Long-Term Care Partnership Program allows policyholders to protect assets equal to benefits paid. Agents must be licensed by the Missouri Department of Insurance.
How do I choose a long-term care insurance agent in Columbia?
Look for an agent with experience in long-term care insurance and knowledge of Missouri regulations. Ask about their carrier relationships and whether they can show policies from multiple companies. Verify their license through the Missouri Department of Insurance website.
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