The top-rated long-term care insurance agent in Murrieta, California is The Insurance Store, rated 5.0 stars across 1,709 reviews. Other highly rated options include Ben Goode - State Farm Insurance Agent, Nathan Giddings: Allstate Insurance, Farmers Insurance - Javier Calvo. This directory lists 20 long-term care insurance agents serving Murrieta.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Insurance Store | 41811 Ivy St # B | (951) 200-5655 |
| 2 | Ben Goode - State Farm Insurance Agent | 41880 Kalmia St STE 125 | (951) 501-1000 |
| 3 | Nathan Giddings: Allstate Insurance | 25109 Jefferson Ave STE 320 | (951) 766-4437 |
| 4 | Farmers Insurance - Javier Calvo | 26690 Madison Ave STE 105 | (951) 698-4818 |
| 5 | AAA Murrieta Insurance and Member Services | 25125 Madison Ave STE 101A | (951) 304-3077 |
| 6 | Scott Koth - State Farm Insurance Agent | 39540 Murrieta Hot Springs Rd #229 | (951) 461-4979 |
| 7 | Carver Insurance Services, Inc - Murrieta | 40525 California Oaks Rd suite e-6 | (951) 677-9600 |
| 8 | Advantage America Insurance Services | 41197 Golden Gate Cir #105 | (951) 444-7224 |
| 9 | BARRANCA INSURANCE SERVICES INC | 24679 Monroe Ave #101 | (877) 321-9955 |
| 10 | Winchester & Associates Insurance Services Inc | 41856 Ivy St Ste 110 | (951) 296-6678 |
The Insurance Store serves Murrieta and the surrounding Riverside County area, specializing in long-term care insurance agent services. This agency helps local clients navigate the complexities of long-term care coverage to protect assets while planning for future health needs. They assist individuals in comparing different policy options and benefit structures available in the current market. The company regularly handles tailored plan evaluations and policy enrollment for those seeking coverage for in-home care or assisted living facility expenses.
Ben Goode - State Farm Insurance Agent serves homeowners, business owners, and property managers in Murrieta, CA, who are planning for future medical and custodial needs. His agency offers long-term care insurance policies designed to help protect personal savings from the high costs of extended care services. They assist clients in understanding how coverage can supplement other health plans and provide options for at-home or facility-based care. The agency also provides consultations for individuals living in nearby Temecula and surrounding parts of Riverside County.
Nathan Giddings: Allstate Insurance serves Murrieta, California, and the surrounding communities in southwest Riverside County. The agency handles long-term care insurance, offering policies that help individuals plan for future custodial and personal care expenses that standard health plans often do not cover. It assists clients in understanding different policy structures, including daily benefit amounts and benefit periods. For a typical job, the agency begins with a consultation to evaluate a client’s financial situation and long-term care goals before presenting coverage options tailored to their specific needs.
For this Murrieta agency, long-term care insurance clients can choose between one-time policy purchases or recurring premium payment options to suit their budget. Serving the local area, the company offers coverage that helps protect savings against the high costs of assisted living, nursing homes, or home care. This coverage can be tailored to individual needs based on age and health considerations. Assistance is provided on a scheduled or as-needed basis, allowing clients to adjust their policies as their circumstances change over time.
AAA Murrieta Insurance and Member Services delivers guidance for long-term care insurance needs in the Murrieta area. Its service approach includes assessing personal coverage requirements and explaining benefit options for future care scenarios. Ongoing support is provided through policy reviews and claims assistance, helping clients understand plan changes and payment processes over time. The company extends its services to residential clients, including those in single-family homes and apartments, as well as commercial properties such as retail stores and restaurants.
Scott Koth - State Farm Insurance Agent offers insurance products and services to residents and businesses in the Murrieta, CA area, with a specific focus on long-term care insurance coverage. This specialty helps individuals plan for future health and custodial care needs outside of standard health insurance. The agency assists clients in understanding policy options that can help protect savings and provide for extended care. Commercial clients it can serve include local offices, warehouses, and food service establishments seeking appropriate insurance solutions.
Carver Insurance Services, Inc - Murrieta specializes in helping individuals navigate long-term care insurance options to protect assets and maintain access to quality care. The agency serves the Murrieta area by evaluating client needs, explaining policy features, and assisting with comparisons of available plans from various carriers. Protecting a retirement plan from the high costs of extended care remains a primary focus. The agency also guides families through coverage decisions related to aging parents or preparing for potential disability before retirement.
For California families navigating the complexities of late-life care planning, the need for reliable long-term care insurance guidance often arises alongside retirement decisions. Advantage America Insurance Services, located in Murrieta, helps clients in Riverside County evaluate coverage options for nursing home or home-health needs. The agency works with individuals to clarify policy structures and compare plan costs. An initial consultation typically begins with a no-obligation review of current assets and anticipated medical expenses to determine appropriate policy limits for long-term care.
Barranca Insurance Services Inc provides residential long-term care insurance solutions for individuals and families in Murrieta, California, as well as commercial coverage options for facilities and businesses serving the local area. The agency specializes in policies designed to help clients preserve assets while preparing for future care needs within the surrounding region. Follow-up consultations are offered between regular policy reviews to address any changes in health status or coverage preferences.
Winchester & Associates Insurance Services Inc, based in Murrieta, CA, is known for helping individuals plan for potential long-term care needs through tailored insurance policies. The company assists clients in evaluating their health background and financial goals to select appropriate coverage options, addressing concerns about future care costs without relying on family or savings alone. Its services include comparing policy benefits and explaining elimination periods and inflation riders. Winchester & Associates can add a consultation on integrating long-term care coverage with an existing Medicare plan.
What Does a a Long-Term Care Insurance Agent in Murrieta Cost?
Long-term care insurance premiums in California vary by age, health, and benefit amount. A typical policy for a healthy 55-year-old in Murrieta might cost between 150 and 300 dollars per month for a 3-year benefit period with 5 percent inflation protection. Costs can be higher for older applicants or those with health issues. This is general information and not insurance advice.
About long-term care insurance agents in Murrieta
Long-term care insurance agents in Murrieta, California help residents plan for future care costs. These agents can explain California specific options such as the California Partnership for Long-Term Care program, which offers asset protection and inflation protection features. Working with a local agent allows you to compare policies from multiple carriers and find coverage that fits your budget and health situation.
Frequently Asked Questions
What does a long-term care insurance agent in Murrieta do?
A long-term care insurance agent helps you understand policy types, compare quotes from different insurers, and apply for coverage. They explain California rules like the 30-day free look period and the tax advantages of Partnership policies. The agent does not provide medical advice but can guide you on underwriting requirements.
How do California Partnership policies work for Murrieta residents?
California Partnership policies are state approved plans that offer asset protection and automatic inflation protection. If you use the policy benefits, you can keep assets equal to the benefits paid without counting them for Medi-Cal eligibility. Agents in Murrieta can show you which carriers offer these plans and how they meet state standards.
Are there age or health limits for buying long-term care insurance in California?
Most insurers in California accept applicants between ages 18 and 79, but health underwriting is strict. Pre-existing conditions may lead to higher premiums or denial. California law requires agents to explain the policy clearly and provide a buyers guide before you purchase.
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