The top-rated long-term care insurance agent in Denison, Texas is Jake Shockley - State Farm Insurance Agent, rated 5.0 stars across 284 reviews. Other highly rated options include Oden Insurance, Larry Landrum - State Farm Insurance Agent, David Means: Allstate Insurance. This directory lists 15 long-term care insurance agents serving Denison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Shockley - State Farm Insurance Agent | 5101 Gateway Blvd Suite 107 | (903) 462-0152 |
| 2 | Oden Insurance | 618 W Woodard St | (903) 465-0620 |
| 3 | Larry Landrum - State Farm Insurance Agent | 1100 W Main St | (903) 463-4620 |
| 4 | David Means: Allstate Insurance | 120 S Austin Ave #102 | (903) 463-6751 |
| 5 | Jim McClure - State Farm Insurance Agent | 2220 W Morton St | (903) 465-1103 |
| 6 | Charles Holder Insurance Agency, Inc. | 601 W Main St | (903) 296-3829 |
| 7 | Sandra Phillips - State Farm Insurance Agent | 2521 W Morton St | (903) 463-3740 |
| 8 | Phillips Insurance Agency | 212 W Main St | (903) 465-3167 |
| 9 | Bayless-Hall Insurance Inc | 501 W Woodard St | (903) 465-8383 |
| 10 | Hempkins Insurance | 431 W Crawford St | (903) 463-6251 |
Jake Shockley - State Farm Insurance Agent serves Denison and Grayson County, offering long-term care insurance to local residents. This agency helps clients plan for future care needs that are not covered by standard health plans or Medicare. It provides guidance on policies that cover assistance with daily activities within a home or facility setting. Long-term care insurance can help protect personal savings from the high costs of extended care. Services handled here include policy selection for nursing home coverage and in-home care assistance.
Oden Insurance provides a range of services related to long-term care insurance, including policy sales and guidance on coverage options. The company helps clients in Denison, TX, understand their plans and navigate maintenance or claims support as needed. They focus on protecting assets and preparing for future care costs by working with individuals to select appropriate coverage. Oden Insurance serves a variety of property owners, including those with single-family homes, apartments, retail spaces, and local restaurants.
Larry Landrum - State Farm Insurance Agent in Denison, TX, serves local homeowners, business owners, and families seeking long-term care coverage. It helps clients plan for potential future care needs by explaining policy options that protect assets and provide choice in care settings. The agency also addresses how long-term care insurance can supplement other retirement strategies for more complete financial security. Its service area includes the Sherman-Denison metropolitan region and extends to nearby communities such as Pottsboro.
David Means: Allstate Insurance serves Denison, Texas, and the surrounding communities of Grayson County. The agency handles long-term care insurance, which helps clients plan for the costs of extended nursing home stays, assisted living, or in-home care. Several policy options are available to meet different needs, such as daily benefit amounts or benefit periods. For a typical job, it evaluates the client’s financial situation and health factors to recommend a suitable plan that fits their budget and future care expectations.
Jim McClure - State Farm Insurance Agent in Denison, TX specializes in long-term care insurance, helping clients plan for future personal and medical support needs. The agency also provides general insurance services to local residents and families. As a long-term care insurance agent, it assists individuals in understanding coverage options for nursing home care, assisted living, and in-home assistance. This service is particularly valuable for those approaching retirement or dealing with a recent health change that may require extended care.
Charles Holder Insurance Agency, Inc. in Denison, TX assists clients in distinguishing between options for a one-time policy purchase and recurring premium service models for long-term care coverage. Coverage planning typically addresses daily personal care needs, such as bathing, dressing, or eating, for those who may require extended help at home or in a facility. Service operates on a as-needed basis, with consultations arranged for initial policy selection and any later adjustments whenever the client requests guidance.
As families in Denison begin planning for the future, the need to protect savings from the high cost of extended care becomes especially pressing. Sandra Phillips, a local long-term care insurance agent with State Farm, helps residents evaluate policy options that cover home health aides or nursing facility stays. She explains coverage limits, waiting periods, and benefit triggers tailored to each client's age and health profile. Initial consultations involve reviewing personal financial goals and medical history to determine suitable plan structures. A thorough needs assessment appointment is scheduled following the first discussion.
Phillips Insurance Agency assists individuals and families in and around Denison, Texas with evaluating financial protections for future care needs. As a long-term care insurance agent, the firm helps clients understand policy options that can cover expenses not paid by standard health plans, including in-home support or nursing facility stays. Its services address planning for chronic illness or disability that may affect daily living activities. The agency can serve commercial clients such as small offices, local warehouses, and food service establishments seeking benefit programs for employees or owners.
Bayless-Hall Insurance Inc provides long-term care insurance agent services to residents in and around Denison, Texas. For clients seeking protection against future care costs, the agency offers policies designed to cover extended medical or personal assistance needs. This includes coverage for nursing home stays, assisted living facilities, and in-home care. Service is available to individuals throughout the local area and surrounding communities. After an initial policy consultation, the agent follows up with clients to adjust coverage as needed, typically between regular annual plan reviews.
Hempkins Insurance in Denison, Texas, is known for offering long-term care insurance policies that help individuals plan for future custodial and personal care needs. The agency serves local residents seeking coverage for services such as nursing home stays, assisted living, and home-based care. Their work typically involves assessing clients’ financial situations and health histories to recommend appropriate policy options. As a specialty service, they can also add on inflation protection riders to ensure benefits keep pace with rising care costs.
What Does a a Long-Term Care Insurance Agent in Denison Cost?
Long-term care insurance premiums in Texas vary widely based on age, health, and coverage level. For a healthy 55-year-old, a policy with a $150 daily benefit and 3-year term may cost $1,200 to $2,500 per year. For a 65-year-old, the same coverage could range from $2,500 to $4,500 annually. Partnership policies may have slightly higher premiums but offer added asset protection. This is general information, not insurance advice.
About long-term care insurance agents in Denison
A long-term care insurance agent in Denison, Texas can help you understand policy options for covering nursing home, assisted living, and home care costs. Texas law allows for partnership policies that provide asset protection if you need Medicaid later. Working with a local agent ensures you get coverage suited to the Denison area and Texas regulations.
Frequently Asked Questions
What does a long-term care insurance agent in Denison do?
An agent helps you compare policies from different insurers, explains coverage limits and benefit periods, and advises on Texas-specific options like the Long-Term Care Partnership Program. They do not sell one-size-fits-all plans but tailor recommendations to your age, health, and budget.
Are there Texas rules for long-term care insurance policies?
Yes, Texas requires insurers to offer inflation protection and a 30-day free look period to cancel a policy for a full refund. Policies must also include a nonforfeiture benefit option. An agent can explain how these rules protect you.
How do I choose a long-term care insurance agent in Denison?
Look for an agent licensed in Texas with experience in long-term care products. Ask about their familiarity with Texas partnership policies and check their standing with the Texas Department of Insurance. A good agent will provide clear cost comparisons without high-pressure sales.
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