The top-rated long-term care insurance agent in Escondido, California is Farmers Insurance - Richard Khasim, rated 4.9 stars across 368 reviews. Other highly rated options include Only Way Insurance-Escondido, AAA Escondido Insurance and Member Services, Adriana's Insurance Services. This directory lists 20 long-term care insurance agents serving Escondido.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Richard Khasim | 1310 E Valley Pkwy Ste 104 | (760) 781-1555 |
| 2 | Only Way Insurance-Escondido | 728 N Escondido Blvd ste c | (562) 239-2869 |
| 3 | AAA Escondido Insurance and Member Services | 800 La Terraza Blvd | (760) 745-2124 |
| 4 | Adriana's Insurance Services | 601 N Broadway ste c | (760) 616-5900 |
| 5 | Freeway Insurance | 341 W Mission Ave | (760) 813-5527 |
| 6 | HJM Insurance Services, Inc. | 500 La Terraza Blvd Suite 150 | (760) 546-2546 |
| 7 | Tim Giblin - State Farm Insurance Agent | 133 S Escondido Blvd | (760) 741-1188 |
| 8 | Buggie Dugger Jr - State Farm Insurance Agent | 240 W Crest St Suite B | (442) 248-8701 |
| 9 | Pronto Insurance Agency | 1301 E Valley Pkwy Suite B | (760) 743-2222 |
| 10 | HealthMarkets Insurance - Marisa Bloom | 2579 Dundee Glen Suite 100 | (760) 519-4029 |
Farmers Insurance - Richard Khasim in Escondido, CA, provides long-term care insurance agent services to help individuals plan for future personal and medical care needs. The office assists clients in understanding policy options that cover in-home care, assisted living, or nursing facility expenses, with ongoing support for policy maintenance and claims questions. This local agency typically serves a diverse range of properties, including single-family homes, apartments, and small commercial buildings such as retail shops and restaurants.
Serving seniors and families in Escondido, this long-term care insurance agent helps clients plan for future care needs by explaining policy options that cover home health aides, assisted living, and nursing facility stays. The agency works with individuals who are concerned about preserving their assets and avoiding burdening relatives with caregiving expenses. Its services include comparing coverage terms and premiums from various insurers to find suitable protection for each household’s situation. The agent also assists residents throughout San Marcos and the greater San Diego North County area.
AAA Escondido Insurance and Member Services serves the Escondido, CA metro area and greater San Diego County, helping clients plan for future care needs through long-term care insurance. As a local agency, it advises individuals on policies that cover nursing home, assisted living, and in-home support services. The agency assists with selecting appropriate coverage amounts and benefit periods to protect assets. It handles policy comparisons and application guidance for long-term care insurance.
Adriana's Insurance Services provides long-term care insurance coverage for individuals planning for future care needs. It offers policy options designed to help fund nursing home stays, home health aides, and assisted living facilities. The agency ensures clients understand policy details through careful explanation and routine policy reviews. Its service extends to advising on benefit triggers and inflation protection features to maintain coverage value over time. The company services single-family homes, apartments, retail businesses, and restaurants in Escondido, California.
Freeway Insurance serves local residents planning for extended care needs, helping them evaluate their options for long-term care insurance coverage. The agency guides homeowners and individuals through policy selection, focusing on asset protection and future care costs. Located in Escondido, California, the office provides information on different plans suited to personal circumstances. Their services include policy comparisons and assistance with the enrollment process. The agency also covers the San Marcos and Vista areas in the greater North County region.
Serving Escondido and communities throughout San Diego County, HJM Insurance Services, Inc. assists clients with long-term care insurance solutions. The company helps individuals understand policies that cover expenses from nursing homes, assisted living, or home care. Each case typically begins with a thorough review of the client's personal financial situation and health history. This information is then used to compare coverage options from multiple carriers. It customizes a policy recommendation that aligns with the client's long-term financial goals and specific care preferences.
Long-term care insurance is available as either a one-time policy providing a set benefit pool or a recurring daily or monthly benefit for ongoing support. It covers expenses like nursing home stays, assisted living, and home health care, protecting assets if long-term help becomes necessary. Tim Giblin - State Farm Insurance Agent in Escondido, CA, offers guidance on these plans. Services for clients run on a scheduled basis for policy reviews and as-needed for questions or claims support.
Serving Escondido and the surrounding area, this agency specializes in long-term care insurance planning while also assisting clients with their broader insurance needs. As a local provider, it helps families understand policy options that cover extended nursing or home-based care. Navigating the complexities of Medicare and supplemental benefits can be overwhelming, so the agent provides guidance tailored to individual situations. Many residents seek help planning how to pay for care not covered by standard health plans. This is especially relevant for retirees concerned about outliving their savings.
Pronto Insurance Agency serves Escondido, California, and the surrounding North County communities. It handles long-term care insurance policies designed to help cover the costs of extended medical and custodial care. These plans assist with coverage for nursing home stays, assisted living facilities, and home-based care services. The agency addresses each client’s personal financial situation and future health needs by reviewing options that fit their budget and care preferences, then presenting a clear comparison of available plans to simplify the decision-making process.
What Does a a Long-Term Care Insurance Agent in Escondido Cost?
In California, long-term care insurance premiums vary widely based on age, health, and coverage level. A typical policy for a healthy 55-year-old might cost between 1,500 and 3,500 per year. For a 65-year-old, annual premiums often range from 2,500 to 5,500. Costs also depend on the daily benefit amount, benefit period, and inflation protection chosen. This is general information, not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Escondido
A long-term care insurance agent in Escondido can help you plan for future care costs while protecting your assets. California law requires agents to follow specific disclosure rules and to offer inflation protection options as part of any policy sale. Local agents understand the high cost of care in San Diego County and can tailor a plan to your budget.
Frequently Asked Questions
What does a long-term care insurance agent in Escondido do?
An agent helps you compare policies from multiple insurers, explains coverage benefits, and guides you through the application process. They also ensure you meet California requirements, such as the 30-day free look period and the mandatory outline of coverage.
Are there California laws that affect long-term care insurance?
Yes. California Insurance Code sections 10231.5 and 10232.8 require agents to offer inflation protection and to provide a Shopper Guide. Policies must also include a 30-day free look period for cancellation without penalty.
How do I choose a long-term care insurance agent in Escondido?
Look for an agent licensed by the California Department of Insurance who has experience with long-term care policies. Check their record on the CDI website and ask about the number of insurers they represent to ensure you get a fair comparison.
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