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 9 long-term care insurance agents in Saratoga, 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.
Sara Berg: Allstate Insurance
14375 Saratoga Ave Ste 106, Saratoga, CA 95070
(408) 741-0585
agents.allstate.com
Donald Wilson - State Farm Insurance Agent
12299 Saratoga Sunnyvale Rd Ste A, Saratoga, CA 95070
(408) 257-8700
donaldcwilson.com
Phil Mills - State Farm Insurance Agent
14500 Big Basin Wy d, Saratoga, CA 95070
(408) 354-5250
phil-mills.com
Greg Pond - State Farm Insurance Agent
14500 Big Basin Wy d, Saratoga, CA 95070
(408) 358-0200
gregpondinsurance.com
Pat Richard Insurance Agency
14540 Big Basin Wy, Saratoga, CA 95070
(408) 867-1771
patrichardinsurance.com
Cory McElwee - State Farm Insurance Agent
12299 Saratoga Sunnyvale Rd Ste A, Saratoga, CA 95070
(408) 861-1550
corymcelwee.com
Village Insurance Services
12280 Saratoga Sunnyvale Rd STE 112, Saratoga, CA 95070
(408) 973-0800
villageinsuranceservices.net
O'Connor Insurance Agency
18809 Cox Ave #260, Saratoga, CA 95070
(408) 877-0000
oconnorhoains.com
Farmers Insurance - Katy Lee
19630 Allendale Ave Unit 2309, Saratoga, CA 95070
(408) 373-8376
agents.farmers.com
What Does a Long-Term Care Insurance Agent in Saratoga Cost?
Long-term care insurance premiums in California vary widely based on age health and policy features. For a healthy 55 year old a policy with a 3 year benefit period and 5 percent compound inflation may cost between 1500 and 3500 dollars per year. At age 65 the same coverage could range from 2500 to 5500 dollars annually. Costs are higher in Santa Clara County due to elevated care expenses. This is general information and 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 is the California Partnership for Long-Term Care program?
This is a state program that offers policies with asset protection features. If you use all your policy benefits you can still qualify for Medi-Cal while keeping assets equal to the amount your policy paid out. Agents in Saratoga can explain how this works with local care costs.
How does California tax treatment affect long-term care insurance premiums?
California allows a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and is adjusted annually for inflation. An agent can help you calculate the tax benefit for your specific situation.
What factors should Saratoga residents consider when choosing a policy?
Consider the cost of care in Santa Clara County which is above the state average. Look at inflation protection options and benefit periods that match local nursing home and home care rates. Also review the insurance company financial strength and claims history.