The top-rated long-term care insurance agent in Palm Bay, Florida is Jeff Thummel - State Farm Insurance Agent, rated 4.9 stars across 561 reviews. Other highly rated options include Ryan Hill - State Farm Insurance Agent, Space Coast Family Insurance, Sarpoolaki Insurance Center,LLC. This directory lists 19 long-term care insurance agents serving Palm Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jeff Thummel - State Farm Insurance Agent | 4951 Babcock St NE Ste 5 | (321) 727-3992 |
| 2 | Ryan Hill - State Farm Insurance Agent | 1460 Baytree Dr Suite D | (321) 723-1444 |
| 3 | Space Coast Family Insurance | 2105 Palm Bay Rd NE Unit 3 215 | (321) 655-3920 |
| 4 | Sarpoolaki Insurance Center,LLC | 277 Malabar Rd SE | (321) 914-0303 |
| 5 | GreatFlorida Insurance: Sabrina Lee | 4651 Babcock St NE # 17 | (321) 724-4409 |
| 6 | Brightway Insurance, The DeJesus Legacy Agency | 3200 Dixie Hwy NE Ste 7 | (321) 257-4045 |
| 7 | Monty McCart: Allstate Insurance | 820 Palm Bay Rd NE #111 | (321) 724-8851 |
| 8 | Access One Insurance (AOI) | 1900 Palm Bay Rd NE | (321) 676-4118 |
| 9 | Renegade Insurance - Palm Bay | 4961 Babcock St NE STE 7 | (321) 450-3076 |
| 10 | Jill Whittamore | 241 Interchange Dr NE | (321) 458-3702 |
Jeff Thummel - State Farm Insurance Agent serves the Palm Bay, Florida metro area and Brevard County. The company provides long-term care insurance, a specialized type of coverage designed to help individuals pay for extended personal or nursing care needs that are not covered by standard health plans. These policies can protect retirement savings from the high costs of assisted living, home health aides, or skilled nursing facilities. The agency assists local clients in comparing long-term care benefit options and customizing coverage for care at home or in a facility.
Ryan Hill - State Farm Insurance Agent in Palm Bay, FL provides a comprehensive range of long-term care insurance services, including policy consultation, personalized coverage planning, and assistance with claims. The agency also offers regular policy reviews and plan adjustments to ensure coverage meets evolving client needs. As specialists in this field, they help individuals protect assets against the high costs of extended care. Their services support clients in single-family homes, apartments, retail businesses, and restaurants requiring customized protection strategies.
Space Coast Family Insurance serves homeowners, retirees, and families in Palm Bay, Florida, seeking long-term care insurance coverage. This agency helps clients plan for future needs by explaining policy options that cover nursing home care, assisted living, and in-home support services. Protecting personal savings from the high costs of extended care is a primary focus for many local customers. The agent guides individuals through the enrollment process and answers questions about benefit eligibility. Space Coast Family Insurance also covers surrounding communities in the Melbourne-Titusville metro area, including neighboring Brevard County towns.
Serving Palm Bay and the surrounding communities across Brevard County, Sarpoolaki Insurance Center, LLC handles the specific needs of clients seeking long-term care insurance coverage. The firm guides individuals through the process of understanding policy options that can help protect assets against the high costs of extended care. It generally begins consultations with a detailed review of each client’s personal financial situation and family health history before presenting policies that align with those specific criteria.
For those planning ahead, the difference between securing a plan before needing care versus when coverage is already required often shapes eligibility and costs. GreatFlorida Insurance: Sabrina Lee, located in Palm Bay, FL, assists clients in evaluating long-term care insurance policies that address potential future needs for assisted living or home health services. The agent helps compare benefit periods and inflation protection options across available plans from different carriers. Service is arranged on an as-needed basis, typically through scheduled appointments at the office or by phone.
In Florida’s Space Coast region, many families seek guidance on how to afford quality extended care as health needs shift with each passing season. Brightway Insurance, The DeJesus Legacy Agency in Palm Bay helps local residents understand their long-term care insurance options, focusing on policies that protect savings from unforeseen medical expenses. Their licensed agents answer questions about coverage limits, elimination periods, and inflation riders tailored to individual budgets before scheduling an in-person or virtual policy consultation.
Monty McCart: Allstate Insurance in Palm Bay, FL specializes in helping clients select long-term care insurance policies. The agency also provides general insurance services to the local community. These policies are designed to cover expenses for assistance with daily activities, such as bathing or dressing, which standard health insurance typically does not cover. As Florida’s population ages, many residents seek guidance for planning against the high cost of nursing home stays or in-home care services during retirement years.
Access One Insurance works as a long-term care insurance agent in Palm Bay, Florida, helping individuals plan for future care needs. The agency specializes in policies that cover services like home health aides and nursing home stays. Long-term care insurance in this area addresses the growing costs of assisted living and in-home support. These plans can protect retirement savings from unexpected medical expenses. Access One Insurance may serve commercial sectors including offices, warehouses, and food service establishments.
Renegade Insurance - Palm Bay provides long-term care insurance for residents in Palm Bay, Florida. The agency also assists businesses in the surrounding area with relevant commercial coverage options, ensuring their employees have access to necessary care plans. Their service area includes the greater Brevard County region. Typical work involves reviewing individual needs to structure appropriate policy solutions. Clients often return to adjust their coverage as health circumstances evolve between regular visits, maintaining financial protection for extended care requirements well into later years.
Jill Whittamore, based in Palm Bay, FL, is known for providing guidance on long-term care insurance plans that help individuals manage the costs of extended health and personal care needs. The agency serves local clients by explaining policy options, coordinating coverage details, and assisting with application processes. It also offers support in evaluating standalone policies and hybrid life insurance products that include long-term care benefits.
What Does a a Long-Term Care Insurance Agent in Palm Bay Cost?
Long-term care insurance agent services in Florida typically do not charge you a separate fee. Agents earn commissions from the insurance company, which are included in your premium. Policy premiums in Florida can range from 150 to 300 dollars per month for a 55 year old with moderate coverage. Costs vary based on your age, health, benefit amount, and inflation options. This is general information, not insurance advice.
About long-term care insurance agents in Palm Bay
Long-term care insurance agents in Palm Bay Florida help residents plan for future care costs not covered by Medicare. Florida law requires agents to provide a detailed outline of coverage and a free look period of 30 days for policy review. Local agents understand the specific needs of Brevard County seniors and can explain partnership policies that offer asset protection under the Florida Long-Term Care Partnership Program.
Frequently Asked Questions
What does a long-term care insurance agent in Palm Bay do?
A long-term care insurance agent in Palm Bay helps you compare policies from multiple carriers. They explain benefit triggers, elimination periods, and inflation protection options. Agents must be licensed in Florida and follow state regulations for policy disclosures.
How does Florida law affect long-term care insurance policies?
Florida law gives you a 30 day free look period to cancel a policy for a full refund. The state also requires agents to use a standardized outline of coverage. Florida offers a Long-Term Care Partnership Program that allows you to keep some assets if you later need Medicaid.
When should I buy a long-term care insurance policy in Florida?
Most Florida residents buy policies in their 50s or early 60s when premiums are lower. Premiums increase with age and health conditions can make you ineligible. Florida law prohibits insurers from canceling your policy due to age or health changes after issue.
Long-Term Care Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Casselberry · Clearwater · Clermont · Coconut Creek · Cooper City · Coral Gables