The top-rated long-term care insurance agent in Washington, District Of Columbia is Capital Insurance Partners, rated 4.9 stars across 120 reviews. Other highly rated options include Clements Worldwide, a Gallagher Company, Crystal Insurance Group, Inc., Terry White, Sr. - State Farm Insurance Agent. This directory lists 20 long-term care insurance agents serving Washington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Capital Insurance Partners | 5028 Wisconsin Ave #103 | (202) 362-4500 |
| 2 | Clements Worldwide, a Gallagher Company | 1220 L St NW Suite 1200 | (202) 872-0060 |
| 3 | Crystal Insurance Group, Inc. | 1801 Belmont Rd NW #201 | (202) 387-9162 |
| 4 | Terry White, Sr. - State Farm Insurance Agent | 3000 Connecticut Ave NW SUITE 304 | (202) 362-3535 |
| 5 | All Insured | 1415 Elliot Pl NW | (202) 804-1234 |
| 6 | Lockhart's Insurance Services | 3907 Georgia Ave NW | (202) 829-6222 |
| 7 | Insuranceisland | 1615 Q St NW #1108 | (240) 335-2426 |
| 8 | Ryant Insurance and Financial Services | 100 M St SE Suite 600 Office 658 | (202) 791-4832 |
| 9 | Capitol Fidelity Insurance | 626 8th St NE | (202) 953-4502 |
| 10 | Safe Assurance Inc. Services | 403 3rd St SW | (206) 759-7584 |
Capital Insurance Partners serves the Washington, DC metro area as a long-term care insurance agent. The company guides individuals through the often complex process of planning for future care needs without relying solely on personal savings. Clients can expect help comparing protection options that cover home health aides, assisted living, and nursing home stays. This work involves matching policy benefits to each client’s budget and health profile. Specific services include needs analysis and cost comparisons across multiple carriers.
Clements Worldwide, a Gallagher Company, provides comprehensive long-term care insurance agent services for residents throughout Washington, DC. Their work includes evaluating clients’ future care needs and matching them with appropriate policy options from various insurers. They offer ongoing policy reviews and claims assistance to help clients adjust coverage as circumstances change. The company supports individual homeowners planning for retirement security as well as for single-family home dwellers, apartment residents, and operators of retail shops and restaurants.
Serving individuals and families seeking to protect their assets, Crystal Insurance Group, Inc. helps clients in Washington, DC plan for future long-term care needs. The agency provides guidance on insurance solutions that can cover costs for assisted living, nursing homes, and in-home care. Working independently, their agents assess each customer’s financial situation to recommend appropriate policy options. This assistance helps residents prepare for the potential financial impact of extended health care in retirement. The firm also extends its services to clients in the surrounding Maryland suburbs of the Washington metropolitan area.
Terry White, Sr. - State Farm Insurance Agent serves Washington, DC and the surrounding metropolitan communities. The agency handles long-term care insurance policies designed to help cover the costs of nursing home stays, assisted living, and in-home care. Long-term care insurance agents in this area typically assist clients in assessing their future care needs and financial resources. A standard job begins with a thorough consultation to review coverage options and policy structure, followed by a detailed comparison of plans tailored to the client’s personal situation and budget.
For Washington, D.C. residents, a long-term care insurance agent may help assess whether a client prefers the simpler structure of a single policy purchase or the adaptability of periodic service reviews that adjust coverage as needs evolve. Coverage typically addresses custodial care, nursing homes, and home health aides, protecting assets against future health-related costs. All Insured operates as a local option for exploring these protections. Their service runs on a scheduled basis, allowing for regular plan evaluations.
Lockhart’s Insurance Services specializes in long-term care insurance guidance for clients in Washington, DC, addressing the financial risks of extended personal or medical care. The agency typically reviews individual policy options, explains coverage limitations, and helps match plans to future health needs. Because costs for in-home aides or assisted living facilities in the area continue to rise, many families seek advice during open enrollment periods or after a sudden health event.
As the cost of care in the Washington, DC area continues to rise, many older residents seek financial protection against future medical needs. Insuranceisland helps local clients navigate long-term care insurance options, explaining how policies cover home health aides or assisted living stays without depleting savings. Based in Washington, the agency customizes plan comparisons so each individual finds a policy that fits their budget and care preferences. An initial consultation or coverage review can be scheduled to assess current or future long-term care risks.
Ryant Insurance and Financial Services provides long-term care insurance guidance for residents of Washington, DC and surrounding communities. The agency also assists with commercial coverage needs in the area. Counsel is tailored to individual policies that help protect savings from the high costs of extended care. Clear explanations of options allow clients to make informed decisions about their future healthcare plans. Regular visits are often followed up with written summaries, and ongoing policy reviews are offered between appointments.
Capitol Fidelity Insurance is known for providing long-term care insurance solutions in the Washington, DC area. The agency assists clients with planning for future care needs, including home health aides and assisted living expenses. They help individuals navigate policy options designed to cover the costs of extended care, which can protect retirement savings. Specialists at the agency guide families in understanding eligibility requirements and benefit structures. As a supplemental service, they advise on life insurance policies with long-term care riders that allow policyholders to access death benefits early for qualifying care needs.
What Does a a Long-Term Care Insurance Agent in Washington Cost?
Typical costs for long-term care insurance in Washington DC vary by age, health, and policy type. For a 55-year-old healthy individual, annual premiums often range from 2,000 to 3,500 dollars for a policy with 150 dollars daily benefit and 3-year coverage. Costs can be higher for older applicants or those with health conditions. This is general information, not insurance advice.
About long-term care insurance agents in Washington
Long-term care insurance agents in Washington, District of Columbia help residents plan for future care needs such as nursing home stays or in-home assistance. The District of Columbia requires agents to hold a valid insurance license and follow DC Department of Insurance regulations. Agents can guide you through policies that comply with local laws, including the DC Long-Term Care Partnership Program which offers asset protection.
Frequently Asked Questions
What licenses do long-term care insurance agents need in Washington DC?
Agents must hold a valid DC insurance producer license with a long-term care certification. They must complete ongoing education credits as required by the DC Department of Insurance, Securities and Banking to stay compliant.
How does the DC Long-Term Care Partnership Program work?
This program allows DC residents to protect a portion of their assets equal to the benefits paid by their policy. If you use 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. Only agents trained in partnership policies can sell these plans.
What is the free look period for long-term care insurance in DC?
DC law gives you a 30-day free look period after you buy a policy. You can cancel for any reason within 30 days and get a full refund. This period starts when you receive the policy document.