The top-rated long-term care insurance agent in Santa Monica, California is AAA Santa Monica Insurance and Member Services, rated 4.3 stars across 394 reviews. Other highly rated options include Adam Glazer at Comparion Insurance Agency, Westgate One Final Expense Insurance, MLG LLC. This directory lists 16 long-term care insurance agents serving Santa Monica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Santa Monica Insurance and Member Services | 2730 Santa Monica Blvd | (310) 453-1909 |
| 2 | Adam Glazer at Comparion Insurance Agency | 730 Arizona Ave 2nd Floor | (310) 683-6852 |
| 3 | Westgate One Final Expense Insurance | 1242 3rd Street Promenade #209 | (323) 790-6437 |
| 4 | MLG LLC | 423 Pier Ave APT 2 | (213) 921-4848 |
| 5 | Comparion Insurance Agency | 730 Arizona Ave 2nd Floor | (310) 341-1200 |
| 6 | Wilkens Insurance Agency, Inc. | 1112 Montana Ave #102 | (310) 393-7373 |
| 7 | Senior Health Insurance by Sterling Financial | 520 Broadway #200 | (213) 460-5070 |
| 8 | Pullen Family Insurance Agency, Inc | 2450 Colorado Ave Suite 100E | (310) 310-2901 |
| 9 | ComfortGuard Health Insurance CA | 2652 29th St | (310) 810-2550 |
| 10 | West LA Baby Boomer Insurance | 1821 Wilshire Blvd #402 | (310) 351-7772 |
AAA Santa Monica Insurance and Member Services serves clients throughout the Los Angeles metro area, including Santa Monica, with long-term care insurance agency services. This agent helps individuals and families plan for future care needs, offering policies that cover assistance with daily living activities in home, community, or facility settings. The company handles policy selection and enrollment for long-term care coverage. It also provides ongoing support and guidance when policyholders need to file claims.
Adam Glazer at Comparion Insurance Agency serves clients in Santa Monica, California, specializing in long-term care insurance to help individuals prepare for future health needs. The agency offers thorough guidance on policy options available in the local area, addressing coverage for home care, assisted living, and nursing facility expenses. Ongoing policy maintenance includes annual plan reviews and consultation on benefit adjustments. The firm’s services cover personal financial planning for single-family homeowners, apartment residents, local retail operators, and independent restaurant owners in the Santa Monica community.
Westgate One Final Expense Insurance serves senior homeowners and families in Santa Monica, California, who are planning for future long-term care needs. As a long-term care insurance agent, the company helps clients understand policy options that cover nursing home stays, assisted living, and in-home care. It provides guidance on comparing coverage benefits and premiums to fit individual budgets and health situations. The agency also extends its services to residents in neighboring Venice and the greater Los Angeles Westside area.
MLG LLC in Santa Monica, California assists clients with long-term care coverage focusing on the key difference between one-time consultation and recurring service options. The agency helps individuals evaluate policy choices that address future needs such as in-home care or assisted living expenses. Coverage consultations include explanations of benefit triggers and inflation protection features tailored to Southern California residents. Service runs on an as-needed basis, allowing clients to request support when reviewing existing plans or exploring new policies.
Comparion Insurance Agency serves Santa Monica and the surrounding Los Angeles County communities, handling long-term care insurance for clients planning for future assisted living or in-home care needs. This agency assists individuals in evaluating policies that cover extended nursing and personal care expenses not addressed by standard health insurance. Its typical approach involves reviewing a client’s financial situation and health history to identify suitable coverage options from various carriers.
Wilkens Insurance Agency, Inc. specializes in matching clients with appropriate long-term care policies to cover in-home assistance, assisted living, and nursing home expenses. Based in Santa Monica, this agency helps individuals and families understand the complexities of coverage options for protecting assets and ensuring care accessibility. Whether developing plans for future needs or adjusting existing coverage, the agency provides guidance specific to California's regulatory environment. It frequently assists newer retirees preparing for potential long-term care costs during open enrollment periods.
As seasonal demand for long-term care planning rises among Santa Monica residents, Senior Health Insurance by Sterling Financial offers focused guidance on policy options and cost strategies. The company helps clients navigate coverage choices for care at home or in assisted living facilities. Emphasizing personalized education, the agent clarifies Medicaid interactions and inflation protection riders. Initial steps include a confidential assessment of financial resources and future care preferences, allowing for tailored policy comparisons before committing to any plan.
Pullen Family Insurance Agency, Inc. in Santa Monica, CA is known for helping local residents navigate options for funding long-term care. The company offers guidance on policies that cover in-home assistance, adult day care, and nursing facility stays. As a licensed insurance agent, it works with individuals to compare plans that protect retirement assets against rising care costs. The agency can also add on coordination of policies that integrate life insurance with a long-term care benefit rider.
ComfortGuard Health Insurance CA assists Santa Monica residents with long-term care insurance coverage for their homes. The agency also offers policies protecting commercial properties and small businesses across the greater region. Each client consultation examines current assets and potential future needs for extended care. Guidance focuses on selecting appropriate policy features, such as benefit periods and inflation protection. Agents explain options clearly, helping families make informed decisions to safeguard savings. The practice encourages follow-up service between regular policy reviews, updating coverage as personal circumstances evolve over time.
West LA Baby Boomer Insurance, located in Santa Monica, California, helps clients navigate long-term care insurance options to plan for future health needs. The agency specializes in policies covering assistance with daily living activities such as bathing, dressing, and eating. By assessing individual risk factors, the agent identifies coverage that addresses aging-related expenses. This service is available for commercial sectors including offices, warehouses, and food service operations seeking protection for their business owners and key personnel against long-term care costs.
What Does a a Long-Term Care Insurance Agent in Santa Monica Cost?
Long-term care insurance premiums in California vary widely based on age health and benefit amount. A typical policy for a 55 year old may cost between $1,500 and $3,000 per year for a benefit of $150 per day with a 3 year benefit period and 3% compound inflation. Older applicants or those with health issues may pay significantly more. This is general information not insurance advice.
About long-term care insurance agents in Santa Monica
Long-term care insurance agents in Santa Monica help residents plan for future care costs such as nursing home or in-home care. California offers the Partnership for Long-Term Care program which allows policyholders to protect assets equal to the benefits paid. Agents guide clients through policy features and California specific regulations to find suitable coverage.
Frequently Asked Questions
What does a long-term care insurance agent in Santa Monica do?
An agent helps you compare policies from different insurers and explains benefit triggers elimination periods and inflation options. They also advise on California Partnership plans which offer asset protection and meet state standards. The agent does not sell a specific company product but provides options based on your needs.
How does the California Partnership for Long-Term Care affect my policy?
The California Partnership program requires policies to include inflation protection and meet state standards. If you use benefits the state will disregard assets equal to the benefits paid when you apply for Medi-Cal. This helps you keep more of your savings while still qualifying for government assistance if needed.
Are there time limits for buying long-term care insurance in California?
California law allows insurers to use medical underwriting so there is no fixed time limit to buy. However premiums increase with age and health conditions may make coverage unavailable. It is generally better to apply in your 50s or early 60s when rates are lower and you are more likely to qualify.
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