The top-rated long-term care insurance agent in Gladstone, Missouri is Briarcliff Insurance Group, rated 4.9 stars across 327 reviews. Other highly rated options include Jenkins & James Insurance Agency, Jeff David Insurance Agency, Hilt Agency: Allstate Insurance. This directory lists 17 long-term care insurance agents serving Gladstone.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Briarcliff Insurance Group | 2601 NE Kendallwood Pkwy Suite 212 | (816) 759-2133 |
| 2 | Jenkins & James Insurance Agency | 6651 N Oak Trafficway Suite 20 | (816) 453-8555 |
| 3 | Jeff David Insurance Agency | 6520 N Oak Trafficway | (816) 436-2622 |
| 4 | Hilt Agency: Allstate Insurance | 6812 N Oak Trafficway Ste 3 | (816) 420-0500 |
| 5 | Bryan Lopez - State Farm Insurance Agent | 7233 N Oak Trafficway | (816) 678-0749 |
| 6 | Jeff Williams Agency Inc American Family Insurance | 6505 N Prospect Ave STE 100 | (816) 459-7779 |
| 7 | Mary Ann Surber - State Farm Insurance Agent | 6407 N Prospect Ave | (816) 452-1700 |
| 8 | Robert Raney - Missouri Farm Bureau Insurance | 7 NW 72nd St Ste 201C | (816) 436-9571 |
| 9 | United Insurance | 100 NW Englewood Rd #11 | (816) 437-8111 |
| 10 | Rahma Khuder - COUNTRY Financial Agent | 6510 N Oak Trafficway | (816) 368-5300 |
Briarcliff Insurance Group serves the Gladstone, Missouri, metro area as a local long-term care insurance agent. The company helps individuals and families evaluate their need for coverage that protects assets against the high cost of extended care. It explains the differences between traditional long-term care policies, hybrid life insurance policies with long-term care benefits, and short-term care options. Briarcliff Insurance Group guides clients through the application process and offers ongoing policy reviews to ensure coverage remains appropriate as needs change.
Jenkins & James Insurance Agency provides a range of long-term care insurance solutions designed to help clients in Gladstone, Missouri, prepare for future care needs. The agency assists with policy selection and offers ongoing service and maintenance plans to review coverage as circumstances change. Annual consultations help clients adjust their policies to reflect new health developments or financial goals. The agency serves individual homeowners, families in single-family houses, residents of apartments, and operators of retail stores and restaurants.
Senior residents and families planning for future health costs turn to Jeff David Insurance Agency for long-term care insurance coverage. Serving the Gladstone, MO area, the agency helps clients evaluate policies that cover nursing home stays, assisted living, and in-home care services. Local guidance is provided on policy options designed to protect retirement savings from the high expenses of extended care. The agency also serves clients throughout the Northland region, including communities like Kansas City’s northern suburbs.
Serving Gladstone, Missouri, and the surrounding Northland communities, Hilt Agency: Allstate Insurance handles long-term care insurance placement for local residents seeking to protect their assets against the costs of extended care. The agency works with clients to understand their specific coverage needs, including personal care assistance or nursing facility stays. For each typical case, it reviews individual financial situations and explains policy options in clear terms, then assists with the application process from initial quote through final policy delivery.
Bryan Lopez - State Farm Insurance Agent in Gladstone, MO assists clients in distinguishing between a single-policy long-term care plan and coverage that renews on an annual basis, focusing on protecting assets against the high cost of extended custodial or nursing facility care. These policies typically help pay for daily assistance with bathing, dressing, and eating either at home or in a facility. Service is offered on a one-time policy purchase or an as-needed consultation basis.
Jeff Williams Agency Inc American Family Insurance specializes in guiding clients through long-term care insurance options to help protect assets and future independence. Serving the Gladstone, Missouri area, it assists individuals and families in understanding coverage for nursing home care, assisted living, or home-based services. Many people seek this support when planning for retirement or after a parent’s health changes, which can make evaluating policy features and costs particularly pressing during Medicare Open Enrollment seasons.
As winter approaches in Gladstone, many families begin to consider how to protect their assets from the high costs of extended care. Mary Ann Surber - State Farm Insurance Agent provides guidance on long-term care insurance policies that can help cover in-home assistance or nursing facility expenses. The agent meets with local clients to explain policy options tailored to individual health and financial situations. The process begins with an initial needs-assessment appointment to review current coverage and retirement plans.
Robert Raney - Missouri Farm Bureau Insurance provides long-term care insurance to individuals in the Gladstone area. This agency specializes in policies that help cover costs for assisted living and home health care. It assists clients in planning for future care needs by offering financial protection against high long-term care expenses. The agency serves commercial sectors including local offices, warehouses, and food service businesses.
United Insurance serves residents of Gladstone, Missouri, in planning for long-term care needs that help protect savings from future medical costs. The agency also provides commercial long-term care coverage options for businesses requiring employee benefit solutions. Service extends throughout the Gladstone area and nearby communities, supporting individual policy selection and plan reviews. Clients typically schedule return visits to adjust coverage as health needs change or to update beneficiaries between their regular policy renewal appointments.
Rahma Khuder, a COUNTRY Financial agent in Gladstone, MO, is known for helping clients plan for future care needs through long-term care insurance. The agency serves individuals and families across the metro area, providing guidance on policy options that cover in-home assistance, assisted living, and nursing facility expenses. Additional services include risk evaluation and cost comparisons. As a financial representative, Rahma Khuder can add a retirement income analysis to complement a long-term care coverage plan.
What Does a a Long-Term Care Insurance Agent in Gladstone Cost?
Long-term care insurance premiums in Missouri vary by age, health, and coverage level. A typical policy for a 55-year-old might cost 1,500 to 3,000 dollars per year for 150,000 dollars in initial benefits. Costs increase with age and for added features like inflation protection. This is general information and not insurance advice.
About long-term care insurance agents in Gladstone
Long-term care insurance agents in Gladstone, Missouri help residents plan for future care needs like nursing home or home health services. Missouri offers a Long-Term Care Partnership program that allows policyholders to protect assets while qualifying for Medicaid. Agents can explain how these state-specific rules affect your coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in Gladstone do?
An agent helps you compare policies from different companies and explains coverage options. They guide you through Missouri rules including the Partnership program and tax deduction benefits. Their goal is to find a policy that fits your budget and care needs.
How does Missouri law affect long-term care insurance?
Missouri requires policies to include inflation protection and nonforfeiture benefits unless you decline them in writing. The state also has a 30-day free look period to cancel a new policy for a full refund. Agents must follow these rules when selling policies.
What is the Missouri Long-Term Care Partnership?
This program lets you keep assets equal to the benefits your policy pays out if you later need Medicaid. For example, if your policy pays 100,000 dollars in benefits, you can protect that amount of assets from Medicaid spend-down. An agent can explain how this works with your specific policy.
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