Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Virginia before hiring.
Showing 3 long-term care insurance agents in Highland Springs, VA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
EverSafe Insurance LLC
1613 Elsing Green Ct, Highland Springs, VA 23075
(804) 406-3976
mellisasegui140388.wixsite.com
Joe Lam - State Farm Insurance Agent
1007 E Nine Mile Rd, Highland Springs, VA 23075
(804) 737-5447
joelaminsurance.com
HANSON AGENCY INC
207 W Nine Mile Rd, Highland Springs, VA 23075
(804) 737-2801
What Does a Long-Term Care Insurance Agent in Highland Springs Cost?
Long-term care insurance premiums in Virginia vary widely based on age, health, and benefit amount. A typical policy for a 55-year-old may cost between $1,500 and $3,000 per year, while a 65-year-old might pay $2,500 to $5,000 annually. Costs also depend on benefit period, daily benefit amount, and inflation protection choices. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Highland Springs do?
An agent helps you compare policies from different insurers and explains coverage options like nursing home care, assisted living, and home care. They also guide you through Virginia-specific rules such as the 30-day free look period and guaranteed renewal provisions.
Does Virginia have special rules for long-term care insurance?
Yes, Virginia requires insurers to offer inflation protection and nonforfeiture benefits. The Virginia Partnership program also allows policyholders to keep more assets when applying for Medicaid after using their policy benefits.
How do I choose a long-term care insurance agent in Highland Springs?
Look for an agent licensed in Virginia with experience in long-term care policies. You can verify their license through the Virginia Bureau of Insurance and ask about their familiarity with Partnership policies and rate stability.