The top-rated long-term care insurance agent in Largo, Florida is Florida Best Quote, rated 4.9 stars across 865 reviews. Other highly rated options include Vermost Insurance Agency, TopQuote Insurance, Hall Insurance Agency: Licensed agents specializing in Medicare plans. This directory lists 20 long-term care insurance agents serving Largo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Florida Best Quote | 801 W Bay Dr #102 | (727) 584-9999 |
| 2 | Vermost Insurance Agency | 1200 S Belcher Rd # 1 | (727) 748-2886 |
| 3 | TopQuote Insurance | 12694 Ulmerton Rd | (727) 755-0072 |
| 4 | Hall Insurance Agency: Licensed agents specializing in Medicare plans | 11681 Seminole Blvd | (727) 513-1000 |
| 5 | Brightway Insurance, Largo South | 7210 Ulmerton Rd Suite I | (727) 451-7700 |
| 6 | Freeway Insurance | 3201 E Bay Dr | (727) 203-7004 |
| 7 | Trump Insurance Inc. | 13139 66th St N | (727) 209-2886 |
| 8 | GreatFlorida Insurance: Kristin Asbury | 12998 Walsingham Rd | (727) 595-6000 |
| 9 | White Sand Consultants | 10474 124th Terrace | (813) 309-1102 |
| 10 | GreatFlorida Insurance: Tina Phan | 11250 66th St N | (727) 544-1380 |
Florida Best Quote serves long-term care insurance clients throughout the Pinellas County region from its Largo, Florida office. The agency assists individuals in evaluating policies that cover nursing home, assisted living, and home health care expenses. It guides clients through plan comparisons to match coverage with personal health and financial needs. The agency handles enrollment support for stand-alone long-term care policies and hybrid life insurance policies with long-term care riders.
Vermost Insurance Agency in Largo, Florida provides long-term care insurance guidance to help individuals plan for future needs. Its services include policy comparisons and assistance with selecting appropriate coverage based on personal circumstances. The agency maintains ongoing client support to review and update plans as needs change over time. Its service approach focuses on educating families about policy features and available benefits. Vermost Insurance Agency serves homeowners residing in single-family homes, apartment dwellers, clients operating retail businesses, and owners of restaurants.
Serving Largo and the surrounding communities of Pinellas County, TopQuote Insurance helps clients navigate the complex process of securing financial protection for future care needs. The agency specializes in Long-Term Care Insurance, which covers services like home health aides and assisted living that are not paid for by standard health coverage. When assessing a client’s situation, it first examines their assets and potential risks, then presents policy options from multiple carriers to match their budget and health profile.
Individuals preparing for future health needs and those managing family caregiving decisions in Largo, Florida, turn to Hall Insurance Agency for guidance on long-term care planning. Its licensed agents specialize in Medicare plans, assisting clients in navigating coverage options that help protect assets and ensure access to necessary services. A typical engagement involves reviewing existing policies and personal circumstances to identify suitable solutions for extended care needs. The agency also provides support for residents in surrounding communities across Pinellas County, including the Clearwater and Seminole areas.
Based in Largo, Florida, Brightway Insurance, Largo South serves clients in Largo and the surrounding Tampa Bay communities. It handles long-term care insurance, helping individuals plan for future needs like nursing home or in-home assistance. The agent reviews a client's financial situation and health profile to identify suitable policy options. To handle a typical job, it gathers personal details, compares coverage from multiple carriers, and presents clear recommendations tailored to the client's budget and preferences.
Freeway Insurance in Largo, Florida advises on long-term care coverage, distinguishing between one-time policy purchases for predictable needs and recurring premium options for extended benefits that adjust with rising care costs. Coverage plans typically address in-home assistance, assisted living, or nursing facility expenses. The agent’s service model operates on an as-needed basis, allowing clients to schedule consultations for initial plan selection or annual policy reviews without a recurring obligation.
Trump Insurance Inc. in Largo, FL helps clients navigate the difference between a one-time consultation to review current policies and ongoing service options that manage changing coverage needs. Long-term care insurance agents in this area assist with policy comparisons, benefit structuring, and claims support to protect assets against future care costs. These services run on either a one-time, scheduled, or as-needed basis depending on the client's preferences and policy updates required.
GreatFlorida Insurance: Kristin Asbury specializes in long-term care insurance, focusing on policies that cover extended custodial care needs not typically paid by health insurance or Medicare. As an agent in Largo, FL, Kristin Asbury assists clients in Largo with evaluating private insurance plans, including hybrid life and long-term care options, to preserve savings. This guidance proves especially valuable for seniors and families facing the rising costs of nursing homes or in-home assistance, particularly when a sudden accident or chronic condition requires care.
GreatFlorida Insurance: Tina Phan helps individuals and families plan for future care needs in and around Largo, Florida. As a long-term care insurance agent, the company specializes in policies that cover services like assisted living, nursing home stays, and in-home care. These policies are designed to protect assets and provide financial security during later stages of life. The agency can assist local professionals in various commercial sectors, including office environments, warehouse operations, and food service establishments.
What Does a a Long-Term Care Insurance Agent in Largo Cost?
Long-term care insurance premiums in Florida vary widely based on age, health, and coverage level. For a 55-year-old, a policy might cost between $1,500 and $3,000 per year. For a 65-year-old, costs often range from $2,500 to $5,000 annually. These are estimates and your actual cost will depend on your specific situation. This is general information, not insurance advice.
About long-term care insurance agents in Largo
A long-term care insurance agent in Largo, Florida helps residents find policies that cover nursing home care, assisted living, and home health services. Florida law requires agents to be licensed by the state and follow specific disclosure rules under Florida Statute 627.9407. Local agents understand the unique needs of Largo seniors and can guide you through the Partnership for Long-Term Care program.
Frequently Asked Questions
What does a long-term care insurance agent in Largo do?
An agent helps you compare policies from different insurers, explains coverage options, and assists with applications. They must follow Florida regulations including a 30-day free look period for new policies.
How do Florida laws affect long-term care insurance in Largo?
Florida requires agents to provide a Shopper Guide and outline of coverage before you buy. The state also mandates that policies include inflation protection options and cannot deny claims based on pre-existing conditions after six months of coverage.
What is the Florida Partnership for Long-Term Care program?
This program lets you buy a qualified policy that protects some of your assets if you later need Medicaid. An agent in Largo can explain how this partnership works and whether it fits your financial plan.
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