The top-rated long-term care insurance agent in New Smyrna Beach, Florida is Berlin & Denys Insurance, rated 5.0 stars across 365 reviews. Other highly rated options include Buddy Davenport - State Farm Insurance Agent, Coastal Claims Services, LLC, Stan Harrison - State Farm Insurance Agent. This directory lists 15 long-term care insurance agents serving New Smyrna Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Berlin & Denys Insurance | 110 S Orange St | (386) 427-4510 |
| 2 | Buddy Davenport - State Farm Insurance Agent | 1305 State Rd 44 | (386) 426-2886 |
| 3 | Coastal Claims Services, LLC | 2650 N Dixie Fwy | (386) 314-0074 |
| 4 | Stan Harrison - State Farm Insurance Agent | 402 Canal St | (386) 427-5277 |
| 5 | Michaels Insurance Group | 1119 N Dixie Fwy | (386) 274-8150 |
| 6 | Melanie Emanuel: Allstate Insurance | 530 Canal St | (386) 427-0500 |
| 7 | Smith & Associates Insurance-New Smyrna Beach | 508 Canal St | (386) 409-8004 |
| 8 | Mark Daniel Sr: Allstate Insurance | 2236 FL-44 | (386) 426-6000 |
| 9 | WFG Insurance | 100 Faulkner St | (386) 295-4252 |
| 10 | SafeWay Insurance Agency | 529 Nature Creek Ln | (561) 406-9402 |
Berlin & Denys Insurance serves clients in New Smyrna Beach, Florida, by helping them evaluate and select long-term care insurance coverage. Its services include assessment of policy options designed to protect savings against the high cost of extended care. The agency also assists with plan maintenance, such as reviewing existing policies for coverage changes and processing renewals. Routine check-ins help ensure clients remain prepared for future care needs. This support serves individual homeowners, apartment renters, retail business owners, and local restaurant operators seeking to secure financial stability.
Buddy Davenport, serving the New Smyrna Beach Florida area, operates as a State Farm Insurance Agent with a focus on long-term care insurance. The agency assists clients in planning for future care needs, helping individuals understand policies that cover home health care or assisted living expenses. Through consultations, current coverage can be reviewed and compared with available options. The agency handles long-term care insurance applications and policy renewals.
Coastal Claims Services, LLC serves homeowners, families, and retirees seeking expert guidance on long-term care insurance coverage. The agency helps clients understand policy options for future care needs, including nursing home, assisted living, and in-home services. It assists with policy selection, claims navigation, and benefit coordination. Based in New Smyrna Beach, Florida, the agency also provides its long-term care insurance services to residents across the greater Daytona Beach metro area.
Serving New Smyrna Beach and the surrounding communities of Volusia County, Stan Harrison - State Farm Insurance Agent handles long-term care insurance for local residents. This product helps cover expenses for nursing homes, assisted living, and in-home care that regular health plans often exclude. The agency works with clients to understand their potential future needs and assessments of personal assets. Stan Harrison evaluates individual circumstances to recommend a suitable policy limit that considers both budget and desired coverage, then processes all necessary application and enrollment paperwork.
Michaels Insurance Group in New Smyrna Beach, FL helps clients distinguish between one‑time policies that pay a single benefit when care begins and recurring options that cover ongoing long‑term care costs over time. The agency specializes in explaining how coverage protects savings from the high expense of assisted living, nursing homes, or home care. Services run on an as-needed basis, allowing individuals to schedule appointments only when assessing a new policy or updating their existing plan.
Melanie Emanuel: Allstate Insurance specializes in helping clients plan for long-term care needs, securing financial protection against the high costs of extended nursing home stays or in-home assistance. The agency serves the New Smyrna Beach area, offering guidance on policy options that safeguard savings and family assets. A key situational concern the agent addresses is the heightened vulnerability older homeowners face during hurricane season, when evacuation or storm aftermath could suddenly require residential care not fully covered by Medicare.
As coastal New Smyrna Beach residents begin to consider future healthcare costs alongside retirement planning, many seek practical ways to protect their assets. Smith & Associates Insurance-New Smyrna Beach helps evaluate policies that cover extended nursing or home care needs. The agency examines individual budgets, family health history, and local facility options. To begin, a straightforward initial consultation is scheduled to review current financial situations and recommend appropriate coverage ranges.
Mark Daniel Sr: Allstate Insurance provides long-term care insurance products to residents of New Smyrna Beach, Florida, helping clients plan for future health care costs. As a local agency, it also offers specialized add-ons for asset protection. The agency can serve business sectors that include professional offices, warehouse operations, and food service establishments needing employee or owner coverage.
WFG Insurance serves residential clients in New Smyrna Beach, Florida, helping families plan for long-term care needs. The agency also offers commercial coverage for local businesses seeking to protect employees and assets. Their service area includes New Smyrna Beach and the surrounding communities within Volusia County. Long-term care insurance agents at WFG evaluate individual health and financial circumstances to recommend suitable policy options. Clients often return for periodic policy reviews between regular service visits to adjust coverage as needs evolve.
SafeWay Insurance Agency, based in New Smyrna Beach, FL, is known for guiding clients through the complexities of long-term care insurance. Its services encompass helping individuals plan for future needs such as in-home care, assisted living, and skilled nursing facility expenses. The agency works to tailor coverage that aligns with both health projections and budget considerations. For an additional layer of protection, the agent can assist clients in exploring hybrid life insurance policies with built-in long-term care benefits.
What Does a a Long-Term Care Insurance Agent in New Smyrna Beach Cost?
Long-term care insurance premiums in Florida vary by age, health, and coverage level. A typical policy for a 55 year old might cost between 150 and 300 dollars per month. Older applicants or those with health issues may pay higher rates. This is general information and not insurance advice.
About long-term care insurance agents in New Smyrna Beach
Long-term care insurance agents in New Smyrna Beach help residents plan for future care needs. Florida law requires agents to hold a valid license and follow state regulations for policy disclosures. Local agents can explain how Florida Partnership for Long-Term Care programs may help protect assets.
Frequently Asked Questions
What does a long-term care insurance agent in New Smyrna Beach do?
An agent helps you compare policies from different insurers and explains coverage options. They can also show how Florida law affects policy benefits and inflation protection. Agents do not provide legal advice but can guide you on plan choices.
Are there Florida specific rules for long-term care insurance policies?
Yes. Florida requires a 30 day free look period after you buy a policy. Insurers must also offer inflation protection and cannot deny coverage based on pre existing conditions after a policy has been in force for six months. Agents must follow these rules.
How do I choose a long-term care insurance agent in New Smyrna Beach?
Look for an agent licensed in Florida with experience in long-term care products. Ask about their knowledge of the Florida Partnership program and whether they represent multiple insurance companies. You can verify a license on the Florida Department of Financial Services website.
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