The top-rated long-term care insurance agent in Ormond Beach, Florida is O'Quinn Insurance Services, rated 4.7 stars across 372 reviews. Other highly rated options include First Florida Insurance Ormond Beach, Brightway Insurance, The Lester Agency, Rich Howes: Allstate Insurance. This directory lists 17 long-term care insurance agents serving Ormond Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | O'Quinn Insurance Services | 763 W Granada Blvd ste a | (386) 204-8039 |
| 2 | First Florida Insurance Ormond Beach | 1339 W Granada Blvd | (386) 223-0124 |
| 3 | Brightway Insurance, The Lester Agency | 570 Memorial Cir Suite 325 | (386) 400-5144 |
| 4 | Rich Howes: Allstate Insurance | 1400 Hand Ave Ste G | (386) 673-2433 |
| 5 | HealthMarkets Insurance - Kyle Lamond | 600 S Yonge St #6b | (386) 366-1370 |
| 6 | FRP of Florida (Halifax Insurance Partners) | 780 W Granada Blvd #200 | (386) 677-4761 |
| 7 | Goosehead Insurance - Thomas Scorza | 1951 W Granada Blvd | (386) 456-6411 |
| 8 | East Coast Insurors Inc | 801 S Yonge St | (386) 677-4787 |
| 9 | McClain Insurance Agency | 1010 Ocean Shore Blvd | (386) 441-1600 |
| 10 | Florida Sun Insurance Inc | 1459 US-1 A1 | (386) 677-8387 |
O’Quinn Insurance Services serves clients in Ormond Beach and the surrounding Volusia County area, specializing in long-term care insurance solutions. The agency helps individuals navigate the complexities of planning for future care needs, including coverage for home health care, assisted living, and nursing facilities. Guidance is provided on policy options that address personal asset protection and preferences. Customized assessments assist clients in comparing plans from reputable providers. The company specifically handles Medicare supplement coordination and individual long-term care policy evaluations for local residents.
First Florida Insurance Ormond Beach provides long-term care insurance policy placement and ongoing support for individuals planning for future care needs. Its services include assessing client needs, comparing coverage options from multiple carriers, and facilitating policy applications. Service plans consist of annual policy reviews and assistance with claims initiation. The agency serves clients residing in single-family homes, apartment complexes, retail locations, and restaurants throughout the Ormond Beach, Florida area.
As Florida’s hurricane season brings a heightened awareness of future care needs, many older Ormond Beach residents seek coverage to protect their savings from potential nursing home or assisted living costs. Brightway Insurance, The Lester Agency serves this demand by guiding clients through the complexities of long-term care policies, including hybrid life-insurance options. The agency focuses on matching plans to individual family budgets and health histories. A typical initial step involves a comprehensive needs assessment and a review of existing health insurance policies to identify gaps.
Rich Howes: Allstate Insurance in Ormond Beach, Florida serves homeowners and individuals planning for future healthcare needs. As a long-term care insurance agent, the company helps clients understand policy options that can cover extended care services not typically paid by standard health plans. The agency provides personalized consultations to evaluate coverage for nursing home, assisted living, and in-home care expenses. They assist families in protecting their assets while ensuring access to quality care. Their service area also extends to nearby communities such as Daytona Beach and the greater Volusia County region.
Serving clients in Ormond Beach, Daytona Beach, and the surrounding Volusia County communities, HealthMarkets Insurance - Kyle Lamond provides long-term care insurance to individuals planning for future health needs. The agency handles policy options that help cover expenses from home care, assisted living, or nursing home stays. Using a needs-based approach, the agent typically reviews a client’s financial situation and health priorities to recommend coverage tailored to a long-term care budget and risk tolerance.
FRP of Florida, operating as Halifax Insurance Partners in Ormond Beach, helps clients distinguish between a single long-term care policy purchase, which provides a set benefit for one event, and recurring service options that allow for periodic coverage adjustments or renewals over time. These policies are designed to cover expenses for nursing homes, assisted living, or in-home care when needed. This agency’s service offerings run on a one-time, scheduled, or as-needed basis, depending on individual client planning preferences and enrollment status.
Goosehead Insurance - Thomas Scorza in Ormond Beach, Florida specializes in long-term care insurance agent services, including policy comparisons and enrollment guidance. The agency generally helps clients protect assets while planning for future care needs. A local agent in this area assists families with aging parents and those nearing retirement. The office specifically addresses concerns about rising homecare costs and nursing facility expenses that Floridians face during the peak hurricane season, when sudden relocation may demand difficult financial decisions.
As residents of Ormond Beach plan for their retirement years, the need for a strategy covering extended care becomes clear. East Coast Insurors Inc assists clients by explaining policy options for securing care at home or in a facility. They help individuals navigate the various coverage choices available to protect assets and ensure peace of mind. The initial step in this process is a complimentary policy review and risk assessment at their Ormond Beach office.
McClain Insurance Agency works with clients in Ormond Beach to secure long-term care coverage, focusing on policies that help pay for extended nursing or home-based assistance. The agency evaluates individual needs to match plans that protect assets against future care costs. It serves local professionals operating from offices, managers overseeing warehouses, and business owners running food service establishments.
Serving residential clients in Ormond Beach and the surrounding area, Florida Sun Insurance Inc. assists individuals with long-term care insurance coverage. The company also offers policies for business clients who seek to protect assets and employees from extended care costs. Service is available to policyholders throughout Volusia County and neighboring communities. Clients often rely on this agent for policy reviews and updates during regular visits, scheduling follow-up appointments as their insurance needs change over time.
What Does a a Long-Term Care Insurance Agent in Ormond Beach Cost?
Long-term care insurance premiums in Florida depend on your age health and chosen benefits. For a 55 year old a policy with 165 dollar daily benefit and 3 year term may cost 100 to 200 dollars per month. At age 65 the same policy could range from 200 to 400 dollars per month. Partnership policies may have slightly higher premiums but offer asset protection. This is general information not insurance advice.
About long-term care insurance agents in Ormond Beach
Long-term care insurance agents in Ormond Beach help residents plan for future care needs. Florida law requires agents to be licensed and to explain policy features including inflation protection and benefit triggers. Local agents understand the Volusia County market and can guide you through the Partnership Program which allows asset protection under Florida statute 627.9407.
Frequently Asked Questions
What does a long-term care insurance agent in Ormond Beach do?
An agent helps you compare policies from different carriers and explains coverage options like home care facility care and inflation riders. They also ensure the policy meets Florida state requirements for tax qualification and partnership status.
How do Florida laws affect long-term care insurance policies?
Florida requires agents to offer inflation protection and a 30-day free look period. Policies must also include a nonforfeiture benefit option. The Florida Partnership program lets you keep assets equal to benefits paid if you later need Medicaid.
What is the average cost of long-term care insurance in Florida?
Premiums vary by age health and coverage amount. A typical policy for a 60 year old in Florida can cost between 150 and 300 dollars per month. Costs are lower if you buy at a younger age.
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