The top-rated long-term care insurance agent in Portsmouth, Virginia is Beth Holland - State Farm Insurance Agent, rated 5.0 stars across 670 reviews. Other highly rated options include Rachel Bailey - State Farm Insurance Agent, Nationwide Insurance: Coppedge Insurance Agency Inc., Direct Auto Insurance. This directory lists 17 long-term care insurance agents serving Portsmouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Beth Holland - State Farm Insurance Agent | 5907 W Norfolk Rd # 101 | (757) 483-2444 |
| 2 | Rachel Bailey - State Farm Insurance Agent | 355 Crawford St Ste 106 | (757) 337-4265 |
| 3 | Nationwide Insurance: Coppedge Insurance Agency Inc. | 4405 Portsmouth Blvd | (757) 405-3079 |
| 4 | Direct Auto Insurance | 2552 Airline Blvd | (757) 405-0202 |
| 5 | Tracey Vinson - State Farm Insurance Agent | 3900 Greenway Ct N | (757) 399-7595 |
| 6 | Terry Friar - State Farm Insurance Agent | 4355 Portsmouth Blvd | (757) 488-5631 |
| 7 | Heritage Insurance Agency | 3706 Winchester Dr Ste 100 | (757) 399-7951 |
| 8 | Willis Roberts: Allstate Insurance | 6111 Portsmouth Blvd | (757) 204-3221 |
| 9 | Members Assurance Property & Casualty | 1040 University Blvd #102 | (757) 523-5352 |
| 10 | Serenty insurance agency Portsmouth | 5731 Portsmouth Blvd | (276) 444-9328 |
Beth Holland - State Farm Insurance Agent serves clients in the Portsmouth, VA metro area, offering long-term care insurance policies. These plans help individuals manage costs associated with extended care, whether delivered at home, in a community setting, or a care facility. The agency provides guidance on selecting coverage levels that address future care needs while protecting savings. Policyholders work with the agent to review benefit periods, daily coverage amounts, and inflation protection options. Specific services handled in this area include nursing home care and home health aide coverage.
Rachel Bailey - State Farm Insurance Agent in Portsmouth, VA, provides long-term care insurance to help clients plan for future assisted living or home health needs. Its service approach includes reviewing policy options that cover daily personal care and chronic conditions. Maintenance plans involve periodic consultations to adjust coverage as health or financial situations change. The agent services a variety of properties, including single-family homes, apartments, retail locations, and restaurants, helping their owners and operators secure appropriate care coverage.
Nationwide Insurance: Coppedge Insurance Agency Inc. serves homeowners, families, and individuals preparing for future health needs in Portsmouth, VA. It specializes in long-term care insurance policies designed to help cover costs of assisted living or in-home support. The agency works with clients to navigate plan options that can protect savings from rising medical expenses. Services include explaining types of long-term care coverage, such as policies with daily benefit amounts and benefit periods. Its coverage area also extends to Norfolk and other communities throughout the Hampton Roads metro region.
Direct Auto Insurance in Portsmouth, Virginia, is known for providing Long-Term Care Insurance Agent services. Its coverage helps residents plan for extended care needs, including nursing home and in-home support. The agent works with individuals to evaluate policies that address future medical expenses and asset protection. A full range of consultations ensures clients understand policy terms before commitment. As a specialty service, the agency can add tailored assisted living facility coverage to a standard long-term care plan.
Serving Portsmouth, VA, and the surrounding Hampton Roads communities, Tracey Vinson - State Farm Insurance Agency handles long-term care insurance to help clients plan for future health and personal care needs. This type of insurance covers expenses from nursing homes, assisted living, and in-home caregivers that standard policies do not cover. To approach a typical job, the agency begins by reviewing a client’s assets, family health history, and retirement timeline, then matches them with a plan that balances coverage benefits with affordable monthly premiums.
Terry Friar - State Farm Insurance Agent in Portsmouth, VA, assists clients in distinguishing between one-time long-term care policies, which fund a specific pool of benefits, and recurring service options that provide ongoing coverage over a set period. These plans help address the financial demands of extended care, whether at home or in a facility, with flexible benefit structures tailored to different needs and budgets. Service consultations are available on an as-needed basis to review policy options and adjust coverage as personal circumstances evolve.
Heritage Insurance Agency specializes in long-term care insurance, offering policies that cover home care, assisted living, and nursing facility expenses. It serves clients in Portsmouth, VA by guiding them through the complexities of policy selection and benefit planning for future care needs. The agency’s work focuses on helping individuals protect retirement savings from the high costs of extended medical support. For those concerned about aging parents or their own health changes during the winter months when family caregiving needs often escalate, it provides timely consultations.
As coastal residents of Portsmouth, VA plan for their future security, long-term care insurance can help address the common concern of covering assisted living or home health costs. Willis Roberts: Allstate Insurance provides guidance on policies that help protect savings from these potential expenses. The agency listens to individual situations before offering plan options. A thorough initial assessment of personal health history and financial goals is scheduled during the first appointment to determine suitable coverage choices.
Located in Portsmouth, VA, Members Assurance Property & Casualty provides general insurance services and specializes as a long-term care insurance agent. The agency helps individuals plan for future personal care needs through tailored policy options common in this market. It advises clients on coverage for aging-related services such as home health aides and nursing facility stays. Its commercial services also support local businesses, addressing insurance needs for office environments, warehouse operations, and food service establishments.
Serenity Insurance Agency serves the Portsmouth, Virginia metro area as a local provider of long-term care insurance solutions. The agency helps individuals and families plan for future care needs, including in-home assistance and nursing facility coverage. It primarily works with clients to design policy options that protect personal savings from the high costs of extended care. Among its core offerings, the firm assists with policy evaluation for both standalone long-term care plans and hybrid life insurance with long-term care riders.
What Does a a Long-Term Care Insurance Agent in Portsmouth Cost?
Long-term care insurance agent services in Virginia typically do not charge a separate fee because agents earn commissions from the insurance company. Policy premiums vary widely based on age health and coverage level with annual costs often ranging from 1500 to 5000 dollars for a standard policy in Portsmouth. Virginia allows rate adjustments over time so initial quotes may change. This is general information not insurance advice.
About long-term care insurance agents in Portsmouth
Long-term care insurance agents in Portsmouth Virginia help residents plan for future care costs such as nursing home stays or in-home support. Virginia offers a Long-Term Care Partnership Program that allows policyholders to protect assets equal to the benefits paid out. Agents licensed in Virginia can explain how these state-specific rules affect your coverage choices.
Frequently Asked Questions
What does a long-term care insurance agent in Portsmouth do?
A long-term care insurance agent in Portsmouth helps you compare policies from different insurers and understand Virginia regulations. They explain benefit triggers elimination periods and inflation protection options. The agent does not sell medical insurance but focuses on policies that cover custodial care and assisted living.
Are there Virginia laws that affect long-term care insurance policies?
Yes Virginia requires insurers to offer inflation protection and a 30-day free look period for new policies. The Virginia Long-Term Care Partnership Program also requires agents to explain asset disregard rules. These laws help ensure policyholders receive fair treatment and clear information.
How do I choose a long-term care insurance agent in Portsmouth?
Look for an agent licensed in Virginia with experience in long-term care policies. Ask about their familiarity with the Virginia Partnership Program and whether they represent multiple insurance companies. Verify their credentials through the Virginia State Corporation Commission Bureau of Insurance.
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