The top-rated long-term care insurance agent in Sebastian, Florida is Jake Witt - State Farm Insurance Agent, rated 4.9 stars across 230 reviews. Other highly rated options include Schneider & Associates Insurance Agencies Inc, Jonathan Whitley - State Farm Insurance Agent, GreatFlorida Insurance: David Getty. This directory lists 16 long-term care insurance agents serving Sebastian.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Witt - State Farm Insurance Agent | 9426 US-1 | (772) 500-5253 |
| 2 | Schneider & Associates Insurance Agencies Inc | 7960 US-1 #2 | (772) 664-3154 |
| 3 | Jonathan Whitley - State Farm Insurance Agent | 1301 US-1 | (772) 581-0330 |
| 4 | GreatFlorida Insurance: David Getty | 920 US-1 Suite A | (772) 228-9908 |
| 5 | Coastal and Marine Insurance | 11620 US-1 | (772) 581-8110 |
| 6 | Goosehead Insurance - Richard Sindone | 1603 US-1 Suite 101 | (772) 783-2077 |
| 7 | Amazing Health & Life Insurance | 316 Sandcrest Cir | (772) 783-0800 |
| 8 | A Better Solution Insurance Services | 1701 US-1 #9 | (772) 257-8600 |
| 9 | Sebastian River Insurance | 9611 US-1 #329 | (229) 292-2946 |
| 10 | National Insurance Services of North America - Nisona | 1627 US-1 #220 | (888) 564-2326 |
Jake Witt - State Farm Insurance Agent provides long-term care insurance coverage to clients in the Sebastian, FL area. The agency helps individuals plan for future care needs through policy offerings that address assisted living, nursing home, and in-home support services. Service plans include assistance with selecting appropriate coverage levels and ongoing policy management. The agent can review existing policies and help adjust them as circumstances change. This agency services clients living in single-family homes, apartments, retail spaces, and restaurants.
Schneider & Associates Insurance Agencies Inc serves residents of Indian River County and the surrounding areas of Florida, focusing on long-term care insurance solutions. The agency assists families in planning for future care needs through professional policy guidance. Their work involves explaining options that help protect personal savings from costly extended healthcare. Schneider & Associates Insurance Agencies Inc handles both individual long-term care policies and works with clients to navigate Medicare supplement coordination in Sebastian.
Jonathan Whitley - State Farm Insurance Agent serves homeowners, families, and retirees in Sebastian, Florida, who seek financial protection against the costs of extended care. The agency provides long-term care insurance designed to help policyholders preserve savings while accessing necessary in-home or facility-based support services. These tailored policies assist seniors planning for future health needs and adults wanting to safeguard their estates. Additional coverage options are available for local residents exploring ways to manage potential care expenses without depleting assets. The agency also serves clients throughout the surrounding Indian River County communities.
GreatFlorida Insurance: David Getty serves Sebastian, Florida, and the surrounding communities of Indian River County with long-term care insurance policies. It handles the specific planning needs for individuals who may require assistance with daily living activities due to chronic illness, disability, or aging. The agency manages the process by first reviewing each client's personal situation and financial goals, then presenting policy options from various carriers to match their anticipated future care requirements.
Coastal and Marine Insurance in Sebastian, FL helps individuals understand the difference between one-time, short-term long-term care policies and recurring or lifetime coverage options. They assist clients in navigating policy choices that address future personal care needs, including in-home assistance and facility-based services, while explaining how benefits are triggered and paid. This agent works on a one-time consultation or scheduled review basis to adjust coverage as circumstances change.
Goosehead Insurance - Richard Sindone specializes in long-term care insurance planning for individuals and families in Sebastian, Florida, helping clients secure coverage that protects assets and independence. The agency guides customers through the complexities of policy selection, including benefits for home care, assisted living, and nursing facility expenses. Its general service work involves reviewing existing plans and coordinating with Medicare and personal budgets. As families prepare for vacation seasons and potential winter health risks, it assists with adjusting policies to address temporary changes in care needs and location.
As Sebastian residents begin to plan for the future, ensuring coverage for extended medical needs becomes a priority. Amazing Health & Life Insurance assists clients in the area with navigating the complexities of long-term care policies, helping them evaluate which plans align with their personal assets and preferences. The agency works to explain policy features, coverage limits, and the timing of benefits during confidential fact-finding meetings. An initial information-gathering session is typically the first step in this process.
A Better Solution Insurance Services, based in Sebastian, Florida, helps individuals plan for potential long-term care needs by offering insurance policies that cover services not paid by standard health plans. The agency specializes in long-term care insurance, guiding clients through options for assisted living, home care, and nursing facility coverage. This firm can serve commercial sectors that require appropriate coverage for their employees’ future care needs, including offices, warehouses, and food service operations.
Sebastian River Insurance serves residents of Sebastian, Florida, with long-term care insurance options designed to help cover the costs of nursing homes, assisted living facilities, and home care services. As a specialized agent in this field, the company works with individuals to evaluate their future needs for extended health support. Protection for business owners seeking coverage for themselves or key personnel is also provided throughout the local service area. Follow-up conversations after the initial planning session help ensure policies remain suitable between regular office visits.
National Insurance Services of North America - Nisona, based in Sebastian, FL, serves as a long-term care insurance agent, known for guiding clients through complex coverage decisions for future care needs. The company helps individuals assess policy options that address potential costs of assisted living, nursing homes, and in-home support services typical in the local area. This agent provides thorough comparisons of plan benefits and premium structures to fit different financial situations. For an added layer of protection, the firm can include inflation protection riders within their policy recommendations.
What Does a a Long-Term Care Insurance Agent in Sebastian Cost?
Long-term care insurance premiums in Florida vary widely based on your age health and the policy features you choose. For a 55 year old in Sebastian a policy with a 150 dollar daily benefit and a 3 year benefit period may cost between 1500 and 3000 dollars per year. Older applicants or those with health conditions may pay significantly more. This is general information not insurance advice. Always consult a licensed agent for a personalized quote.
About long-term care insurance agents in Sebastian
Long-term care insurance agents in Sebastian Florida help residents plan for future care needs such as nursing home or home health aide services. Florida law requires agents to be licensed by the state and to follow specific disclosure rules about policy benefits and rate increases. Working with a local agent can help you understand how Florida Partnership for Long-Term Care programs affect your asset protection.
Frequently Asked Questions
What does a long-term care insurance agent in Sebastian do?
A long-term care insurance agent in Sebastian helps you compare policies from different carriers and explains coverage options like daily benefit amounts and elimination periods. They also guide you through Florida specific rules such as the 60 day free look period and the requirement for inflation protection on certain policies.
Are there Florida laws that affect long-term care insurance policies?
Yes Florida law requires that policies include a 60 day free look period so you can cancel for a full refund. Florida also mandates that agents provide a outline of coverage and a shoppers guide before you buy. The Florida Partnership for Long-Term Care offers special policies that allow you to protect assets equal to the benefits you use.
How do I choose a long-term care insurance agent in Sebastian?
Look for an agent who is licensed in Florida and has experience with multiple insurance carriers. Ask about their knowledge of the Florida Partnership program and whether they can show you policies from at least three different companies. Check with the Florida Department of Financial Services to verify the agents license status.
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