The top-rated long-term care insurance agent in Richmond, Virginia is Insurance Doctor, rated 4.8 stars across 557 reviews. Other highly rated options include Insurance Doctor of Eastern Henrico VA, WBA Insurance, Bacon Insurance Group. This directory lists 37 long-term care insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Insurance Doctor | 7111 W Broad St | (804) 723-6829 |
| 2 | Insurance Doctor of Eastern Henrico VA | 4450 S Laburnum Ave | (804) 723-6813 |
| 3 | WBA Insurance | 901 Moorefield Park Dr #210 | (804) 272-7700 |
| 4 | Bacon Insurance Group | 3711 Westerre Pkwy suite d | (804) 967-9717 |
| 5 | Insurance Doctor of Short Pump Va | 11638 W Broad St | (804) 723-6830 |
| 6 | Direct Auto Insurance | 63 S Laburnum Ave | (804) 222-4552 |
| 7 | Spherient Advisors | 6802 Paragon Pl Suite 126 | (804) 457-2309 |
| 8 | SMH Insurance Agency, Inc. | 4201 Cutshaw Ave | (804) 658-1656 |
| 9 | Tony Diservio Insurance, Inc | 9305 Quioccasin Rd B | (804) 740-7034 |
| 10 | Mega Insurance Center | 9011 Arboretum Pkwy #100 | (804) 325-4354 |
Insurance Doctor in Richmond, VA provides a full range of long-term care insurance consultation and policy placement services. Its service approach includes helping clients evaluate their future care needs and comparing available plans to find suitable coverage. The agency also assists with policy maintenance, such as reviewing existing plans for potential adjustments. Services are available for individuals planning for personal care, as well as for those managing coverage for family members. The agency works with single-family homeowners, residents of apartments, retail business owners, and operators of restaurants.
Insurance Doctor of Eastern Henrico VA offers residential long-term care insurance guidance throughout Richmond, Virginia. The agency also assists clients with commercial coverage options for local businesses. Service appointments are conducted within the surrounding communities. Policies cover comprehensive care planning for future health needs. Structured advice on protecting assets and managing care costs is provided during consultations. Follow-up service between regular visits can be scheduled to review changing circumstances or policy adjustments.
WBA Insurance in Richmond, Virginia, is known for providing long-term care insurance coverage tailored to local needs. The agency guides clients through policy options for services like home care, assisted living, and nursing facility stays. Realistic cost assessments and future care scenario planning are standard parts of its consultations. WBA Insurance helps individuals protect assets while maintaining access to quality care. Its specialty service includes offering hybrid life insurance policies that combine a death benefit with long-term care benefits.
Bacon Insurance Group serves the Richmond, Virginia metropolitan area and specializes in helping clients plan for the financial impact of extended care needs. As long-term care insurance agents, they assist individuals in understanding and selecting policies that cover costs for home care, assisted living, and nursing facility stays. The company focuses on evaluating coverage options from various insurers to match client preferences and budget. Their services include policy comparisons and assistance with the application process for both traditional long-term care policies and hybrid life insurance policies that include long-term care benefits.
Insurance Doctor of Short Pump Va provides Long-Term Care Insurance planning services for Richmond, Virginia. It offers policy design options, premium comparison assistance, and ongoing coverage reviews. The agency maintains client policies through annual benefit evaluations and claims support coordination. It advises on tax-qualified plans and inflation protection features. Insurance Doctor of Short Pump Va services single-family homes, apartment complexes, retail properties, and restaurants.
Direct Auto Insurance in Richmond, Virginia, serves as a local provider of long-term care insurance policies for individuals planning for future healthcare needs. Its service range includes helping clients assess their coverage options and navigating the enrollment process for protection against extended care costs. The agency works with various plans to address both facility-based care and in-home support services. A specialty service it can add on is assistance with comparing hybrid policies that combine life insurance with long-term care benefits.
Spherient Advisors serves the Richmond, Virginia area and surrounding communities, handling long-term care insurance policy needs for local residents. The company assists clients with navigating the complexities of coverage options designed to protect assets and maintain independence. Spherient Advisors works to evaluate individual circumstances and explain available plans thoroughly. For a typical job, the agent reviews a client’s financial situation and health considerations to identify suitable policy features and coverage amounts.
SMH Insurance Agency, Inc. specializes in long-term care insurance solutions for individuals in Richmond, Virginia. It provides guidance on selecting coverage to protect assets while managing the costs of extended care needs. The agency assists clients in evaluating policy options that address future health risks, offering ongoing support to help with claims coordination. When seasonal changes increase the likelihood of falls or cold-weather health complications, the firm helps families adjust coverage to account for new care requirements.
Tony Diservio Insurance, Inc serves homeowners, business owners, and local professionals in Richmond, Virginia who are planning for future care needs. As a Long-Term Care Insurance Agent, the company helps clients understand coverage options that protect assets from the high costs of extended medical stays or in-home assistance. Policies are selected to fit individual budgets and personal health goals. The agency also assists residents in the surrounding suburbs of Henrico County and Chesterfield County with the same long-term care planning services.
What Does a a Long-Term Care Insurance Agent in Richmond Cost?
Long-term care insurance agent services in Virginia typically do not charge a separate fee. Agents earn commissions from insurance companies, usually 20% to 40% of the first year premium. Annual premiums for a policy in Richmond can range from $2,000 to $5,000 depending on age and coverage. This is general information, not insurance advice.
About long-term care insurance agents in Richmond
Long-term care insurance agents in Richmond, Virginia help residents plan for future care needs. Virginia law requires agents to be licensed by the State Corporation Commission. Agents can explain how Virginia Partnership for Long-Term Care policies work to protect your assets.
Frequently Asked Questions
What does a long-term care insurance agent in Richmond do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options, benefit periods, and inflation protection. Agents also guide you through Virginia state requirements for policy disclosures.
Are there Virginia specific rules for long-term care insurance?
Yes, Virginia has a 30-day free look period for new policies. The state also requires agents to provide a Shopper's Guide. Virginia Partnership policies offer dollar-for-dollar asset protection under Medicaid.
How do I choose a long-term care insurance agent in Richmond?
Look for an agent licensed by the Virginia State Corporation Commission. Ask about their experience with Virginia Partnership policies. Check that they can quote from multiple insurance carriers.
Long-Term Care Insurance Agents in Other Virginia Cities
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