The top-rated long-term care insurance agent in Torrance, California is AAA Torrance Insurance and Member Services, rated 4.5 stars across 988 reviews. Other highly rated options include Freeway Insurance, Expert Auto Home Insurance - Mercury Auto Insurance, Best California Insurance. This directory lists 24 long-term care insurance agents serving Torrance.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Torrance Insurance and Member Services | 23001 Hawthorne Blvd | (310) 325-3111 |
| 2 | Freeway Insurance | 1243 W Carson St | (310) 746-5632 |
| 3 | Expert Auto Home Insurance - Mercury Auto Insurance | 1311 Crenshaw Blvd suite e | (310) 533-6000 |
| 4 | Best California Insurance | 1710 Sepulveda Blvd | (310) 626-6366 |
| 5 | Acrisure Torrance, CA (Peninsula General Ins.) | 22330 Hawthorne Blvd suite i | (310) 539-2533 |
| 6 | Olson Duncan Insurance Service, Inc | 25550 Hawthorne Blvd STE 203 | (310) 373-6441 |
| 7 | Adelfia Insurance | 23133 Hawthorne Blvd STE 202 | (310) 747-4157 |
| 8 | Covered California Enrollment Center | 1311 Crenshaw Blvd b | (800) 903-0326 |
| 9 | Skypark Benefits Insurance Services | 2790 Skypark Dr UNIT 108 | (800) 543-0698 |
| 10 | Ganis Insurance Services, Inc. | 3655 Torrance Blvd STE 300 | (310) 540-8486 |
AAA Torrance Insurance and Member Services serves the Torrance and greater South Bay area as a long-term care insurance agent. The company offers guidance on policies that help clients plan for future personal care needs, such as stay-at-home assistance or nursing facility stays. Their agents explain benefit triggers, daily care coverage options, and inflation protection riders. They also assist clients with policy comparisons and claims support for assisted living or home health services.
Freeway Insurance assists individuals in Torrance, California, with planning for the financial challenges of extended care needs. As a Long-Term Care Insurance Agent, the company specializes in policies that cover services not included by standard health insurance, such as nursing home or in-home assistance. These plans help protect personal assets during retirement while managing rising local care costs. The agency can serve commercial sectors including offices, warehouses, and food service establishments seeking employee benefit options.
Expert Auto Home Insurance - Mercury Auto Insurance in Torrance, CA provides long-term care insurance agent services to help clients plan for future care needs. It offers guidance on policy options that cover home-based assistance, assisted living, and nursing facility stays, along with ongoing support for policy reviews and claim assistance. The office maintains personalized service plans to adjust coverage as circumstances change. Its clients include owners of single-family homes, apartments, retail spaces, and restaurants.
Homeowners and families in Torrance turn to Best California Insurance for guidance in securing long-term care insurance policies that help protect savings and future care needs. This agency assists clients in comparing coverage options for home care, assisted living, and nursing facility expenses. It serves the greater South Bay region, including neighboring communities such as Redondo Beach and Manhattan Beach.
Serving Torrance, California, and the surrounding South Bay communities, Acrisure Torrance, CA (Peninsula General Ins.) handles long-term care insurance for area residents. This agency assists clients in planning for future care needs, such as nursing home stays or in-home assistance, through individual policy selection. The agent evaluates each client’s financial picture and health situation to match them with suitable coverage options from different carriers to protect their assets. A typical job begins with a thorough needs analysis and then a focused comparison of plans tailored to that client’s specific circumstances.
At this Torrance agency, coverage is tailored to either one-time comprehensive policy purchases or recurring service plans that allow for periodic adjustments. Long-term care insurance helps protect assets and manage costs of extended care, whether at home or in a facility. Additional riders may be available to enhance base policies. Policy options are reviewed to match individual financial and health situations. Service operates on a scheduled basis for annual policy reviews and as-needed for claims support or beneficiary questions.
Adelfia Insurance specializes in long-term care insurance planning, offering guidance on policies that protect assets against the high costs of extended care in the Torrance, California area. Its agents help clients evaluate coverage options for home care, assisted living, and nursing facility needs. The company also assists with comparing policy benefits and navigating the complexities of California-specific requirements. It particularly helps families prepare financial strategies ahead of seasonal flu and winter months, when hospitalization risks for chronic conditions increase.
Covered California Enrollment Center in Torrance, CA assists individuals in selecting long-term care insurance policies to help cover future in-home, assisted living, and nursing facility expenses. It specializes in tailoring plans that address regional care costs and coverage gaps often missed by standard health insurance. The agency works with clients to evaluate policy options within state regulatory guidelines for extended care support. It serves commercial sectors such as office complexes, warehouses, and food service operations across the Los Angeles area.
Skypark Benefits Insurance Services in Torrance, California assists residents with securing long-term care coverage to help protect assets during extended illness or disability. The agent also advises commercial clients on group long-term care policies for employee benefit packages. Coverage guidance is available for clients throughout the greater Los Angeles area. The agent schedules follow-up consultations between regular visits to review policy options as care needs evolve.
Ganis Insurance Services, Inc., based in Torrance, California, is known for helping individuals and families secure coverage for long-term care needs in the local area. The agency’s work involves guiding clients through policy options that address potential future assistance with daily activities, such as bathing or eating. By evaluating personal financial situations, the agent recommends plans from various carriers. A specialty service it provides is offering customized consultation for those planning to combine life insurance with a long-term care benefit rider.
What Does a a Long-Term Care Insurance Agent in Torrance Cost?
Long-term care insurance premiums in California vary widely. A typical policy for a 55-year-old may cost $1,500 to $3,000 per year for a $150 daily benefit with 3% inflation. For a 65-year-old the same policy could range from $2,500 to $5,000 annually. Actual costs depend on your health age and chosen features. This is general information not insurance advice.
About long-term care insurance agents in Torrance
A long-term care insurance agent in Torrance California can help you compare policies from multiple carriers. California law requires agents to explain the California Partnership for Long-Term Care program which offers inflation protection and asset disregard. Local agents understand the cost of care in the South Bay area and can tailor coverage to your needs.
Frequently Asked Questions
What does a long-term care insurance agent in Torrance do?
An agent helps you review policy features like daily benefit amounts and elimination periods. They also explain how California Partnership plans work to protect your assets under Medi-Cal rules.
How is long-term care insurance regulated in California?
California requires agents to follow strict disclosure rules under the California Insurance Code. You have a 30-day free look period to cancel a new policy for a full refund.
What factors affect long-term care insurance cost in Torrance?
Cost depends on your age health benefit amount and inflation option. California Partnership plans may offer lower premiums for qualified buyers but require specific benefit triggers.
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