The top-rated long-term care insurance agent in Oxnard, California is Pacific Preferred Insurance, rated 5.0 stars across 10,587 reviews. Other highly rated options include Ray Gonzales - State Farm Insurance Agent, Charles Allison - State Farm Insurance Agent, Torres & Associates. This directory lists 19 long-term care insurance agents serving Oxnard.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Pacific Preferred Insurance | 2775 N Ventura Rd #110 | (805) 351-3851 |
| 2 | Ray Gonzales - State Farm Insurance Agent | 1701 Solar Dr Ste 251 | (805) 240-3100 |
| 3 | Charles Allison - State Farm Insurance Agent | 705 N Oxnard Blvd #101 | (805) 604-0900 |
| 4 | Torres & Associates | 2069 N Oxnard Blvd | (805) 983-2400 |
| 5 | Bucio Insurance | 1049 S Ventura Rd B | (805) 985-0351 |
| 6 | Austin Reilley & Doud Insurance Services | 200 W 7th St | (805) 483-2217 |
| 7 | Polo Insurance Services | 215 W 4th St | (805) 385-3734 |
| 8 | Gonzalez Insurance | 309 W 4th St | (805) 240-9950 |
| 9 | Coast General Insurance Brokers | 2775 N Ventura Rd #209 | (805) 644-4740 |
| 10 | PHP Agency Oxnard | 1000 Town Center Dr | (805) 814-0002 |
Pacific Preferred Insurance serves Oxnard and the surrounding Ventura County area, offering expert guidance on long-term care insurance policies. The agency helps clients understand coverage options that protect assets while preparing for potential future health needs. A trained agent assists with evaluating different plans, explaining policy features such as daily benefit amounts and elimination periods. Residents can receive support for navigating plan enrollment and comparing available coverage from multiple insurance carriers. The agency specifically handles policy tailoring for individual budgets and personal care requirements in this region.
Ray Gonzales - State Farm Insurance Agent in Oxnard, CA, provides long-term care insurance planning, assisting clients with policy selection and coverage needs for future care expenses. Its services include reviewing existing plans and helping individuals understand benefit options for home health or facility-based care. The agent offers ongoing support for policy maintenance and claims guidance. It services single-family homes, apartments, retail, and restaurants.
Charles Allison - State Farm Insurance Agent in Oxnard, California serves homeowners and families seeking financial protection for their future. The agency assists clients with long-term care insurance planning, helping them prepare for potential daily care needs that are not covered by standard health plans. Policies are designed to preserve retirement savings and provide access to quality care options. The office also extends its services to clients in Ventura and throughout the surrounding coastal communities.
Torres & Associates serves Oxnard and the surrounding Ventura County communities, specializing in long-term care insurance to help clients prepare for future care needs. The agency assists individuals in understanding various policy options that cover nursing home stays, assisted living, and home-based care services. For each client, the company conducts a thorough review of personal health and financial situations before presenting suitable coverage plans. It carefully evaluates and compares policy benefits, premiums, and inflation protections to tailor a solution that aligns with each client’s specific circumstances and budget.
Bucio Insurance helps individuals in Oxnard distinguish the distinct service paths available when planning for long-term care expenses through a one-time policy purchase versus options involving recurring premium payments for ongoing protection. Coverage typically addresses services such as assisted living support nursing home stays and in-home care to safeguard financial resources in later years. All policy assistance from this long-term care insurance agency is provided on an as-needed basis for clients seeking guidance in Oxnard.
As coastal Oxnard residents age, many seek to protect their savings from the high cost of extended skilled nursing stays found in local facilities. Austin Reilley & Doud Insurance Services offers Long-Term Care insurance policies designed to fund these needs. Customers can work with the agency’s team to review benefit periods and daily coverage amounts. This evaluation typically begins with a free, no-obligation initial assessment of each individual’s health situation and financial goals.
Polo Insurance Services specializes in helping clients plan for the financial impact of extended personal care needs. Located in Oxnard, the agency assists individuals in evaluating and selecting long-term care insurance policies that address potential nursing home, assisted living, or home care costs. Its work focuses on explaining coverage benefits and guiding customers through application procedures, ensuring their choices fit their long-term financial and caregiving situations. As families approach retirement or adjust to a new medical diagnosis, this agent helps them arrange critical protection against future care expenses out of pocket.
Gonzalez Insurance operates as a local long-term care insurance agent, guiding clients through the process of selecting policies that cover extended non-medical care services. The firm specializes in helping individuals plan for costs associated with nursing homes, assisted living, or in-home caregivers in the Oxnard area. It offers tailored assessments to match coverage with personal needs. The agency provides its services to various commercial sectors, including offices, warehouses, and food service businesses needing to protect employee or owner financial stability.
Coast General Insurance Brokers provides long-term care insurance services to residents in and around Oxnard, California. The company also assists local business owners with commercial coverage options. Serving clients throughout Ventura County and the surrounding region, it helps individuals plan for future care needs while preserving financial security. Policies are explained clearly to ensure customers understand their benefit options and claim processes. The team encourages clients to schedule follow-up reviews between regular visits to adjust coverage as personal circumstances or market conditions change.
PHP Agency Oxnard is a long-term care insurance agent in Oxnard, CA, known for helping local residents plan for future personal care needs. The firm guides clients through the process of selecting coverage that addresses assisted living, home health care, or nursing facility expenses. They serve individuals and families looking to protect their assets from the high costs of extended care. For clients seeking a more comprehensive plan, the agency can pair long-term care policies with a linked life insurance or annuity benefit.
What Does a a Long-Term Care Insurance Agent in Oxnard Cost?
Long-term care insurance agent services in California typically do not charge a separate fee. Agents earn commissions from the insurance company when you buy a policy. Policy premiums vary widely based on age, health, benefit amount, and inflation protection. For a healthy 55-year-old in Oxnard, a basic policy might cost between $1,500 and $3,000 per year. A more comprehensive plan with inflation protection can cost $3,500 to $6,000 per year. This is general information, not insurance advice.
About long-term care insurance agents in Oxnard
Long-term care insurance agents in Oxnard help residents plan for future care costs. California has a Partnership for Long-Term Care program that allows policyholders to keep more assets when qualifying for Medi-Cal. An agent can explain how these state-specific policies work and compare options from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Oxnard do?
An agent helps you understand policy features and costs. They compare plans from different insurers and guide you through California Partnership plan rules. They do not provide legal advice but can explain coverage options.
How does the California Partnership for Long-Term Care affect my policy?
This state program lets you keep a portion of your assets equal to the benefits paid by your policy if you later need Medi-Cal. An agent can show you which policies qualify for this asset protection. It is a key benefit for California residents.
Are there time limits to buy long-term care insurance in California?
There is no state deadline to purchase a policy. However, premiums increase with age and health conditions. Many agents recommend applying in your 50s or early 60s to lock in lower rates. You must meet medical underwriting requirements.
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