Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 13 long-term care insurance agents in Santa Cruz, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
DCD Financial & Insurance Services
1123 Soquel Ave, Santa Cruz, CA 95062
(831) 423-8542
dcdis.com
Paul Nelson Insurance Services
730 Mission St #201, Santa Cruz, CA 95060
(831) 426-9900
bayareainsured.com
Skip Leonard - State Farm Insurance Agent
1101 Water St, Santa Cruz, CA 95062
(831) 429-2700
skipleonard.com
Shockley Insurance Solutions
519 Seabright Ave Suite #213, Santa Cruz, CA 95062
(831) 600-8755
shockleyinsurance.com
Erin Irvine Independent Insurance Producer
406 Mission St # F, Santa Cruz, CA 95060
(408) 316-5362
erinirvine.com
Clarion Pacific Insurance Services
2035 N Pacific Ave ste a, Santa Cruz, CA 95060
(831) 337-4661
clarionpacificinsurance.com
HealthMarkets Insurance - Manfred Luedge
505-A River St, Santa Cruz, CA 95060
(831) 750-9343
healthmarkets.com
Bedell & Nelson-Harbert Insurance
2035 N Pacific Ave, Santa Cruz, CA 95060
(831) 426-3700
D and R Insurance Services
542 Ocean St #J, Santa Cruz, CA 95060
(831) 427-3272
mercuryinsurance.com
Cecy Insurance Services
201 River St Suite 102, Santa Cruz, CA 95060
(831) 477-1730
cecyinsurance.com
Santa Cruz Health & Life Insurance
125 Mission St # 1, Santa Cruz, CA 95060
(831) 426-7200
Drew Miller Insurance Services, Inc.
1315 A Pacific Ave, Santa Cruz, CA 95060
(831) 459-9140
Pozos Insurance Services Inc
877 Cedar St #150, Santa Cruz, CA 95060
(831) 713-6438
pozosinsuranceservices.net
What Does a Long-Term Care Insurance Agent in Santa Cruz Cost?
The cost of long-term care insurance in California varies widely based on your age, health, and chosen benefits. A typical policy for a healthy 55-year-old might cost between 1,500 and 3,000 dollars per year, while a 65-year-old could pay 2,500 to 5,000 dollars annually. Premiums can increase over time if the insurer files a rate increase approved by the California Department of Insurance. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Santa Cruz do?
A long-term care insurance agent helps you compare policies from different carriers to find coverage that fits your budget and needs. They explain policy features like daily benefit amounts, elimination periods, and inflation riders. Agents in Santa Cruz are familiar with California Partnership plans that allow you to keep some assets if you later need Medi-Cal.
Is long-term care insurance tax deductible in California?
Long-term care insurance premiums may be tax deductible as a medical expense on your federal return if you itemize deductions. California generally follows federal rules for deductibility, but you should consult a tax professional for your specific situation. The deductible amount depends on your age and total medical expenses.
What is the California Partnership for Long-Term Care program?
The California Partnership for Long-Term Care is a state program that offers special policies with asset protection features. If you buy a Partnership policy and later need Medi-Cal, you can keep a certain amount of assets equal to what your policy paid out. Agents in Santa Cruz can explain how these policies work with local care costs.