The top-rated long-term care insurance agent in Kettering, Ohio is Becki Taylor - State Farm Insurance Agent, rated 4.9 stars across 253 reviews. Other highly rated options include Ramos Ratliff Insurance Agency, Rathweg Insurance Associates, Inc., Robert K. Jones Insurance Agency, LTD.. This directory lists 12 long-term care insurance agents serving Kettering.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Becki Taylor - State Farm Insurance Agent | 215 E Stroop Rd | (937) 438-3400 |
| 2 | Ramos Ratliff Insurance Agency | 1389 E Stroop Rd | (937) 545-8183 |
| 3 | Rathweg Insurance Associates, Inc. | 2212 S Patterson Blvd | (937) 296-9393 |
| 4 | Robert K. Jones Insurance Agency, LTD. | 3809 Wilmington Pike #100 | (937) 294-2600 |
| 5 | Spectrum Insurance Agency | 1625 Springhill Ave | (937) 643-0081 |
| 6 | Finch Insurance Agency | 3058 Woodman Dr | (937) 583-6100 |
| 7 | Walt Kremer Insurance | 4080 Marshall Rd | (937) 298-0105 |
| 8 | Simpkins-Dellis Insurance Agency | 3970 Shroyer Rd | (937) 294-2724 |
| 9 | The Medicare Connection | 424 E Stroop Rd | (937) 823-6093 |
| 10 | Walter McFall & Kremer Insurance Agency | 4080 Marshall Rd | (937) 461-2246 |
Becki Taylor - State Farm Insurance Agent serves clients in the Kettering, Ohio area with long-term care insurance solutions. The agency helps residents plan for future care needs that are not typically covered by standard health insurance or Medicare. Long-term care policies offered can assist with costs related to home care, assisted living, or nursing facility stays. This agency works closely with individuals to review coverage options and can provide referrals for financial advisors who specialize in retirement planning.
Ramos Ratliff Insurance Agency in Kettering, OH, provides long-term care insurance guidance, helping clients protect assets and plan for future care needs. It offers straightforward service by assisting with policy selection, reviewing coverage options, and managing plan adjustments over time. The agency helps individuals and families understand policy details and maintain their coverage as circumstances change. It serves a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Residents of the Dayton area who are planning for their future long-term care needs can turn to Rathweg Insurance Associates, Inc., located in Kettering, Ohio. The agency serves individuals and families by identifying appropriate long-term care insurance policies to help protect savings from the high costs of assisted living, nursing homes, and in-home care. Agents provide guidance on plan options and policy features to match each client’s personal goals and budget. The firm also covers neighboring communities throughout the greater Dayton metropolitan region.
Serving Kettering, Ohio, and the surrounding Miami Valley communities, Robert K. Jones Insurance Agency, LTD. handles long-term care insurance policies for local residents. The agency addresses the financial planning needs that arise from future custodial care, home health aides, or assisted living expenses. It explains how qualified plans can protect personal assets from the high costs of extended care. An agent meets with clients to assess their existing coverage and health circumstances, then compares available policies from different carriers to recommend a suitable fit for their budget.
Spectrum Insurance Agency in Kettering, OH helps clients distinguish between one-time consultations focused on immediate plan selection and recurring service options that monitor policy adjustments over time. The agency offers coverage designed to protect assets by paying for extended care needs, including nursing home, assisted living, and home-based services. Service runs on an as-needed basis, with policyholders able to call for plan reviews, claim assistance, or beneficiary changes whenever a life event occurs.
Kettering residents planning for future care needs often seek guidance on managing the financial risks of extended illness or aging. Finch Insurance Agency in Kettering, OH responds to this need by focusing exclusively on long-term care insurance coverage. An agent reviews a client’s personal health situation, family history, and projected care costs to recommend a suitable policy from available carriers. The process typically begins with a no-obligation consultation to assess the individual’s current coverage gaps and future preferences for home or facility-based care.
Walt Kremer Insurance specializes in guiding clients through the complexities of long-term care insurance, offering personalized policy comparisons to address future health needs. The agency serves clients in and around Kettering, Ohio, providing consultations on plan options that help protect savings from unpredictable care expenses. It assists individuals and families in understanding coverage for assisted living, in-home care, and nursing facility stays. As retirement approaches, the team helps address concerns about rising medical costs and potential coverage gaps that may arise during seasonal transitions in health or residency.
Simpkins-Dellis Insurance Agency assists individuals and families with long-term care planning, offering policies that help cover expenses for extended medical or personal assistance. Based in Kettering, OH, the company focuses specifically on long-term care insurance, addressing the financial risks of aging or chronic illness. Policies are presented to safeguard personal savings against high nursing home, assisted living, or home healthcare costs. The agency is equipped to serve commercial sectors too, including local offices, warehouses, and food service operations seeking benefit options for their workforce.
The Medicare Connection provides long-term care insurance services to residents in the Kettering, OH area, with commercial coverage options also available for local businesses. Policies are tailored to help individuals plan for future care needs, preserving assets and relieving family burdens. The agent offers clear guidance through plan selection, enrollment, and claims support. Clients are encouraged to reach out with questions between regular annual reviews, ensuring coverage remains aligned with changing health circumstances or financial goals.
Walter McFall & Kremer Insurance Agency in Kettering, OH, is known for specializing in long-term care insurance, offering residents guidance on policies that help cover the costs of extended nursing or home-based care. The agency advises clients on benefit structures, inflation protection, and plan customization. For those exploring asset preservation and future care needs, the agency can add on coverage tailored to assisted living facility expenses.
What Does a a Long-Term Care Insurance Agent in Kettering Cost?
Long-term care insurance premiums in Ohio vary widely based on age, health, and benefit amount. A typical policy for a 55-year-old might cost between 1,500 and 3,000 dollars per year. Partnership plans may have slightly higher premiums but offer asset protection benefits. Costs can increase over time with inflation riders. This is general information and not insurance advice.
About long-term care insurance agents in Kettering
Long-term care insurance agents in Kettering, Ohio help residents plan for future care costs while protecting assets. Ohio offers a Long-Term Care Partnership Program that allows policyholders to keep more assets if they later need Medicaid. Agents in Kettering can explain how these state-specific plans work with your overall financial strategy.
Frequently Asked Questions
What does a long-term care insurance agent in Kettering do?
An agent helps you compare policies from multiple insurers to find coverage that fits your budget and needs. They explain benefit triggers, elimination periods, and inflation protection options. In Ohio, agents can also show you partnership-qualified policies that offer asset protection.
Does Ohio have special rules for long-term care insurance?
Yes, Ohio requires insurers to offer inflation protection and nonforfeiture benefits. The state also has a Long-Term Care Partnership Program that lets policyholders keep assets equal to the benefits paid out. Agents in Kettering must follow Ohio insurance regulations when selling these policies.
How do I choose a long-term care insurance agent in Kettering?
Look for an agent licensed in Ohio with experience in long-term care products. Ask about their familiarity with Ohio partnership plans and local care costs. Check their standing with the Ohio Department of Insurance before working with them.
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