The top-rated long-term care insurance agent in Los Altos, California is Jim Flynn - State Farm Insurance Agent, rated 4.9 stars across 25 reviews. Other highly rated options include StarLight CareGivers, Inc., KBI Benefits, Josh Anderson - State Farm Insurance Agent. This directory lists 14 long-term care insurance agents serving Los Altos.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jim Flynn - State Farm Insurance Agent | 4546 El Camino Real b4 | (650) 941-5000 |
| 2 | StarLight CareGivers, Inc. | 161 S San Antonio Rd Suite 9 | (650) 600-8108 |
| 3 | KBI Benefits | 221 Main St #1462 | (408) 366-8880 |
| 4 | Josh Anderson - State Farm Insurance Agent | 4546 El Camino Real b4 | (650) 941-5000 |
| 5 | Cathy Nguyen: Allstate Insurance | 745 Distel Dr Suite 119 | (650) 964-3022 |
| 6 | Farmers Insurance - Naomi Hayashi | 900 N San Antonio Rd Ste102 | (650) 321-7637 |
| 7 | Michael Tirabassi - State Farm Insurance Agent | 4546 El Camino Real b4 | (650) 209-1202 |
| 8 | Frank Hughes Farmers Insurance | 220 State St Suite B | (650) 815-7068 |
| 9 | Gil Koury Insurance | 86 3rd St UNIT 115 | (650) 947-7676 |
| 10 | Gilbert P Koury Insurance Broker | 86 3rd St UNIT 115 | (650) 947-7676 |
Jim Flynn - State Farm Insurance Agent serves the Los Altos, California area, focusing on long-term care insurance plans for local residents. The agency helps clients understand how these policies can cover extended care needs, whether at home or in a facility. As a long-term care insurance agent in the region, it assists with navigating plan options and policy details to fit individual circumstances. It handles coordination of benefits through existing coverage and offers guidance on how to start a policy for future protection.
StarLight CareGivers, Inc. offers long-term care insurance agency services in the Los Altos area, helping clients select policies that cover future personal or home-based care needs. It provides ongoing policy reviews and assistance with claims management to ensure coverage remains aligned with changing health circumstances. The company serves clients with various property types, including single-family homes, apartments, retail establishments, and restaurants.
KBI Benefits serves individuals and families in Los Altos, California, who are planning for the financial challenges of extended care needs. As a long-term care insurance agent, the company helps clients evaluate policies that cover home care, assisted living, and nursing facility expenses. It guides residents through the process of comparing options from different carriers to find suitable coverage. Protecting personal assets and preserving retirement income are the central focus of its consultations. KBI Benefits also works with clients throughout the greater Mountain View area.
Josh Anderson - State Farm Insurance Agent serves Los Altos, CA, and surrounding communities in Silicon Valley. The company handles long-term care insurance policies designed to help cover the costs of extended care services. It focuses on explaining policy features, including benefit periods and daily coverage amounts, to help local residents plan for future care needs. A typical job begins with a consultation to review the client’s financial situation, then proceeds to comparing plan options and clarifying how each policy works.
Cathy Nguyen: Allstate Insurance in Los Altos, CA assists clients in differentiating between one-time long-term care policies, which provide a set benefit amount to be used as needed, and recurring service options that offer ongoing daily or monthly benefits for extended care. Coverage can be customized to protect assets and help pay for nursing home, assisted living, or in-home care. Service is provided on a scheduled basis, with periodic policy reviews and consultations arranged as client needs change.
As residents of Los Altos look ahead to covering the costs of extended care, Farmers Insurance - Naomi Hayashi provides guidance on long-term care insurance policies. She helps clients evaluate options to protect assets and manage future health needs. Recognizing that each family’s situation differs, she reviews policy features and benefit structures during a complimentary initial consultation. A thorough assessment of coverage goals and budget follows this first meeting.
Michael Tirabassi, operating as a State Farm Insurance Agent in Los Altos, California, provides general insurance services with a specialty in long-term care insurance coverage. This agent assists clients in planning for future care needs, offering policies that help cover expenses not typically handled by standard health or disability plans. The office serves a range of commercial sectors, including offices, warehouses, and food service businesses in the area.
Frank Hughes Farmers Insurance in Los Altos, CA specializes in long-term care insurance agent services, helping clients plan for future health and custodial needs. It also provides general insurance consultations to address broader financial protection concerns. The agency guides individuals through policy options that can cover in-home care or assisted living expenses. Locally, it assists families in preparing for the unique financial challenges of care during the winter holiday season, when temporary care needs often arise and existing long-term plans may require review.
Serving clients in Los Altos, California, Gil Koury Insurance provides long-term care insurance coverage to help individuals plan for future care needs. Their residential services focus on policies that protect personal savings from the high costs of extended care at home or in a facility. For businesses, they offer commercial coverage options for employee benefit packages that include long-term care planning. The agency also assists clients with policy reviews and adjustments during regular service visits, ensuring plans remain aligned with changing health priorities.
Gilbert P Koury Insurance Broker is known in Los Altos for guiding clients through the complex process of securing long-term care coverage. The company serves local individuals and families seeking policies that protect assets from the high cost of extended care services. It partners with multiple carriers to offer plans tailored to both home-based and facility-based care. For clients needing customized detail, this firm specializes in incorporating inflation protection riders into their existing policies for future cost adjustments.
What Does a a Long-Term Care Insurance Agent in Los Altos Cost?
Long-term care insurance premiums in California vary by age health and coverage amount. A typical policy for a 55-year-old may cost between 150 and 300 dollars per month. Higher benefit amounts and inflation riders increase the premium. Costs also depend on the insurance company and the policy features selected. This is general information not insurance advice.
About long-term care insurance agents in Los Altos
Long-term care insurance agents in Los Altos help residents plan for future care needs. California offers the Partnership for Long-Term Care program which allows policyholders to protect assets equal to the benefits paid. Agents can explain how this state-specific program works with Medi-Cal asset protection.
Frequently Asked Questions
What does a long-term care insurance agent in Los Altos do?
An agent helps you compare policies from different insurance companies. They explain coverage options like home care and nursing facility benefits. They also guide you on California Partnership plan eligibility.
Does California have special rules for long-term care insurance?
Yes California requires a 30-day free look period for new policies. The state also mandates inflation protection offers for buyers under age 61. Agents must follow California Insurance Code rules when selling policies.
How do I choose a long-term care insurance agent in Los Altos?
Look for an agent licensed by the California Department of Insurance. Ask about their experience with California Partnership plans. Verify they can explain policy details clearly without pressure.
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