The top-rated long-term care insurance agent in Lynnwood, Washington is Mosaic Insurance Alliance, Llc, rated 4.9 stars across 814 reviews. Other highly rated options include Villa Insurance Group, Vern Fonk Insurance, Sea-Mountain Insurance. This directory lists 19 long-term care insurance agents serving Lynnwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mosaic Insurance Alliance, Llc | 16108 Ash Way #201 | (425) 320-4280 |
| 2 | Villa Insurance Group | 20006 Cedar Valley Rd Ste. 202 | (425) 771-9000 |
| 3 | Vern Fonk Insurance | 3225 Alderwood Mall Blvd Suite D | (425) 434-4030 |
| 4 | Sea-Mountain Insurance | 19630 76th Ave W | (425) 775-1410 |
| 5 | Lynnwood Ace Insurance & Retirement Services | 3301 184th St SW Ste 115 | (425) 678-6901 |
| 6 | Empire Insurance Brokers | 19401 40th Ave W #270 | (866) 774-1324 |
| 7 | Hood Insurance Agency, Inc | 17925 Hwy 99 Ste 202 | (425) 689-5855 |
| 8 | Josh Culotti - State Farm Insurance Agent | 18904 Hwy 99 H | (425) 776-0133 |
| 9 | The Pleasant Agency: Allstate Insurance | 4100 194th St SW #300 | (425) 775-1920 |
| 10 | City Insurance Center | 4610 200th St SW c | (425) 412-3665 |
Mosaic Insurance Alliance, Llc serves the Lynnwood area and surrounding Snohomish County as a long-term care insurance agent. It helps clients plan for future care needs by explaining policy options and coverage levels. The agent guides individuals through the process of comparing benefits and costs for different plans. It assists with both traditional and hybrid long-term care insurance policies that combine life insurance with care coverage.
Villa Insurance Group, located in Lynnwood, WA, provides long-term care insurance services, helping clients plan for future care needs. Its service offerings include policy reviews to align coverage with evolving health and financial situations, along with support for claims filing and policy maintenance. The agency assists individuals in selecting plans that help preserve assets and manage costs. It services single-family homes, apartments, retail, and restaurants for their long-term care insurance needs.
Vern Fonk Insurance serves clients in Lynnwood, Washington, and the surrounding communities. It primarily handles long-term care insurance policies designed to help cover the costs of extended medical or personal care services. Such insurance often addresses needs related to aging, chronic illness, or disability. The agency works to identify appropriate coverage options based on an individual’s situation and financial considerations. During a typical job, it reviews the client’s personal health history and financial goals to recommend a policy that aligns with their long-term needs.
Serving homeowners, retirees, and families planning for future care needs, Sea-Mountain Insurance provides guidance on long-term care insurance policies. The agency navigates clients through options that help cover expenses associated with assisted living, nursing homes, and home health aides. Based in Lynnwood, Washington, the agent assists individuals in preparing for potential care costs while protecting assets and savings. They offer appointments and consultations for understanding policy features and benefit structures across the area, including service to communities in nearby Edmonds.
Serving Lynnwood and the surrounding Snohomish County communities, Lynnwood Ace Insurance & Retirement Services assists clients with long-term care insurance planning. It helps individuals explore policies that can cover future care needs, such as in-home support or assisted living expenses, which are often not covered by standard health coverage. The company reviews each client’s financial situation and health background to recommend appropriate coverage options. It then compares plans from various insurers to present a suitable policy selection.
Empire Insurance Brokers in Lynnwood, Washington distinguishes between one-time policy consultations and recurring service plans. Their long-term care coverage helps individuals plan for future assistance with daily living activities, protecting assets from the high costs of nursing homes or home health aides. The agent evaluates clients’ unique health situations and financial strategies before recommending appropriate policy options. Service runs on either an as-needed basis for policy reviews or a scheduled basis for annual plan adjustments to keep coverage aligned with changing needs.
Hood Insurance Agency, Inc. specializes in helping clients secure long-term care insurance policies that protect savings and independence. Serving the Lynnwood, Washington area, the agency guides individuals and families through the complexities of policy selection and coverage customization. It focuses on comparing options from multiple insurers to address future care needs, whether at home or in a facility. This work becomes particularly vital during open enrollment periods and when family members anticipate the need to arrange care for an aging relative facing a sudden decline in health.
As winter approaches and concerns about future care needs grow among Lynnwood residents, Josh Culotti, a State Farm Insurance Agent, offers guidance on long-term care insurance. Many locals seek policies that help cover extended medical or personal care services not paid by standard health insurance. Acting as a local resource, this agency explains available coverage options and the timing of enrollment for protecting retirement savings. The process typically begins with a no-obligation assessment of personal financial circumstances and care goals during an initial consultation.
The Pleasant Agency: Allstate Insurance in Lynnwood, WA assists clients with general insurance needs, with a focused specialty in long-term care insurance. This local agency explains how such coverage helps protect assets by paying for extended support services not covered by standard health plans. It helps individuals plan for potential future care requirements, including in-home assistance or residential care. This agency can serve commercial sectors such as offices, warehouses, and food service businesses, addressing their insurance exposures.
City Insurance Center, located in Lynnwood, WA, provides guidance for individuals seeking long-term care insurance coverage to protect assets and ensure future care options. The agency also assists with commercial insurance needs for local businesses. Its services extend throughout the greater Lynnwood area, helping clients evaluate policy options that address potential nursing home, assisted living, or home health care expenses. Each interaction focuses on clear explanation of plan features and eligibility requirements. Follow-up is always offered to adjust coverage after life changes or to provide annual policy reviews between regular client visits.
What Does a a Long-Term Care Insurance Agent in Lynnwood Cost?
The cost of working with a long-term care insurance agent in Washington is typically paid through commissions from the insurance company, not directly by you. Policy premiums vary widely based on age, health, and coverage level. For example, a 55-year-old in good health might pay $1,500 to $3,000 per year for a comprehensive policy. Costs can be higher for older applicants or those with health conditions. This is general information, not insurance advice.
About long-term care insurance agents in Lynnwood
A long-term care insurance agent in Lynnwood, Washington can help you understand policy options for nursing home, assisted living, and home care. Washington state offers the WA Cares Fund, a public long-term care benefit, but private policies provide additional coverage and flexibility. An agent can explain how private insurance interacts with the state program and your personal financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Lynnwood do?
An agent helps you compare policies from different insurers, explains coverage details, and guides you through the application process. They can also clarify how Washington state laws, like the WA Cares Fund, affect your choices.
Do I need long-term care insurance if I have WA Cares Fund coverage?
The WA Cares Fund provides a limited benefit of up to $36,500 in 2025, which may not cover full long-term care costs. A private policy can supplement this benefit to cover higher expenses or offer more care options.
How does Washington state regulate long-term care insurance agents?
Agents in Washington must be licensed by the Office of the Insurance Commissioner. They follow state rules on policy disclosures, replacement of existing policies, and suitability standards to ensure you get appropriate coverage.