The top-rated long-term care insurance agent in Fond du Lac, Wisconsin is Sam Cruz Agency LLC American Family Insurance, rated 4.9 stars across 77 reviews. Other highly rated options include GOEBEL Insurance & Financial, Cole Thorin - Health & Life Expert, Mc Namara & Thiel Insurance. This directory lists 20 long-term care insurance agents serving Fond du Lac.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sam Cruz Agency LLC American Family Insurance | 218 N Seymour St | (920) 921-7424 |
| 2 | GOEBEL Insurance & Financial | 131 N Rolling Meadows Dr A | (920) 921-7526 |
| 3 | Cole Thorin - Health & Life Expert | 21 E 2nd St | (920) 602-5990 |
| 4 | Mc Namara & Thiel Insurance | 201 Wisconsin American Dr | (920) 923-2626 |
| 5 | Rural Mutual Insurance Agent: Mike Immel | n7592 Taycheedah Way | (920) 924-6751 |
| 6 | LEB Insurance Group | 21 E 2nd St | (920) 214-5320 |
| 7 | Ann Menke Insurance Services, LLC | 8 Barrington Ct | (920) 251-5211 |
| 8 | Rose Roberts Insurance Agency | 225 S Military Rd | (920) 922-7782 |
| 9 | Rausch Insurance Agency, LLC | 770 S Main St # 14 | (920) 924-2131 |
| 10 | Society Insurance | 150 Camelot Dr | (888) 576-2438 |
Sam Cruz Agency LLC American Family Insurance serves Fond du Lac and the surrounding Winnebago County area. It provides long-term care insurance, helping individuals plan for future assistance needs while preserving assets. The agency also helps clients address potential gaps in Medicare coverage. Comprehensive long-term care policies and Medicare supplement plans are two specific services it handles in this region.
Goebel Insurance & Financial serves Fond du Lac and the surrounding communities in Wisconsin as a long-term care insurance agent. The firm handles policies designed to help cover costs for extended nursing home stays, assisted living, and in-home care. It also assists clients in comparing different coverage options to protect assets and ensure future care needs are met. To handle a typical case, the agent first reviews the client’s financial and health situation, then presents tailored policy choices based on individual needs.
Cole Thorin - Health & Life Expert specializes in long-term care insurance, offering plans that cover extended assistance with daily activities and chronic conditions. The agency also provides general health and life insurance services to help residents across Fond du Lac, WI, tailor their financial coverage for retirement and asset protection. Navigating recent policy updates and rising care costs can be challenging, so the agent assists clients in adjusting their long-term care strategies accordingly before the annual open enrollment deadline passes.
Mc Namara & Thiel Insurance serves homeowners and families in Fond du Lac, Wisconsin, who are planning for their future financial security. The agency provides guidance on long-term care insurance, helping clients understand coverage options for assisted living or in-home care services. Its agents assist with policy selection to protect savings against rising care costs. The firm also covers the greater Fond du Lac metro area, including communities such as North Fond du Lac and Brownsville.
As the financial demands of extended care arise unexpectedly for many families in Fond du Lac, planning ahead becomes essential. At Rural Mutual Insurance agent Mike Immel, clients receive guidance through policy options that protect assets and secure care choices. Working directly with individuals and families, the agency explains how long-term coverage can cover in-home assistance or facility costs. Evaluating current health needs and future goals forms the first step toward a personalized assessment of available plans.
Unlike one-time policy purchases that deliver a fixed benefit, recurring coverage options require ongoing premium payments in exchange for a daily or monthly benefit pool activated when care is needed. LEB Insurance Group, based in Fond du Lac, WI, helps clients evaluate these long-term care insurance structures against their long-term financial goals and regional care costs. Standard policies cover services for chronic conditions like dementia or physical disability. The firm structures every contact with a client on an as-needed basis, determined by the client's own triggering event or renewal calendar.
Ann Menke Insurance Services, LLC, in Fond du Lac, Wisconsin, provides professional guidance on long-term care insurance planning for local residents. The agency helps individuals navigate policy options that cover extended care needs, such as nursing home stays, assisted living, and in-home support services. Specialty offerings may include protection against rising care costs and simplified application processes. This agent can support commercial clients, including offices, warehouses, and food service operations, in securing coverage for their employees or owners.
Rose Roberts Insurance Agency in Fond du Lac, WI, is known for guiding individuals through the complexities of long-term care coverage. The agency helps clients evaluate policies that protect assets and pay for extended care services, such as in-home assistance or nursing facility stays. Their service range includes comparing benefits and costs across various plans. A specialty service this agency can add on is conducting personalized policy reviews to adjust coverage as health situations change over time.
Rausch Insurance Agency, LLC provides long-term care insurance services to residents in Fond du Lac, Wisconsin, and the broader surrounding communities. The agency also offers helpful commercial coverage guidance for area businesses seeking to protect their employees and operations. The focus remains on helping clients plan for future care needs with clear policy explanations. Following each initial consultation or policy sale, the agency routinely contacts clients to review any coverage changes or answer questions between their regular visits.
Society Insurance in Fond du Lac, WI offers guidance on long-term care insurance policies to help individuals prepare for future care needs. The agency assists clients in understanding plan options and coverage details. They provide ongoing policy review and support to adjust plans as circumstances change. Routine consultations help ensure coverage remains appropriate over time. This service addresses single-family homes, apartments, retail spaces, and restaurants.
What Does a a Long-Term Care Insurance Agent in Fond du Lac Cost?
Long-term care insurance premiums in Wisconsin vary by age, health, and policy features. For a healthy 55 year old, a policy with a 3 year benefit period and 5 percent inflation protection may cost between 1,500 and 3,000 dollars per year. 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 Fond du Lac
Long-term care insurance agents in Fond du Lac, Wisconsin help residents plan for future care needs. Wisconsin law requires agents to be licensed and to explain the state Partnership Program, which allows policyholders to protect assets equal to benefits paid. Local agents can guide you through options for nursing home, home care, and assisted living coverage.
Frequently Asked Questions
What does a long-term care insurance agent in Fond du Lac do?
An agent helps you compare policies from different insurers, explains coverage details, and assists with the application process. They also inform you about Wisconsin specific rules, such as the Partnership Program and inflation protection requirements.
Is long-term care insurance required in Wisconsin?
No, long-term care insurance is not required by law in Wisconsin. However, agents can explain how a policy may help you avoid spending down assets to qualify for Medicaid.
What is the Wisconsin Partnership Program for long-term care insurance?
The Partnership Program is a state approved plan that lets policyholders keep assets equal to the benefits paid by their policy if they later need Medicaid. Agents must be trained to offer these policies in Wisconsin.
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