The top-rated long-term care insurance agent in Kailua-Kona, Hawaii is Nakoa Kai Insurance Professionals: Allstate Insurance, rated 4.9 stars across 110 reviews. Other highly rated options include Matt DeMille - State Farm Insurance Agent, Lance Matsumura - State Farm Insurance Agent, Aloha Insurance Services Inc. This directory lists 13 long-term care insurance agents serving Kailua-Kona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nakoa Kai Insurance Professionals: Allstate Insurance | 75-167 Hualalai Rd Ste 101 | (808) 326-1125 |
| 2 | Matt DeMille - State Farm Insurance Agent | Hale Ku'i Plaza, 73-4976 Kamanu St #201 | (808) 331-1113 |
| 3 | Lance Matsumura - State Farm Insurance Agent | 75-240 Nani Kailua Dr APT 12 | — |
| 4 | Aloha Insurance Services Inc | 75-5931 Walua Rd #100 | (808) 334-0044 |
| 5 | Liberty Insurance Agency | 75-5586 Ololi Rd | (808) 515-6427 |
| 6 | Keinnen Kato - State Farm Insurance Agent | 75-5722 Kuakini Hwy # 210 | (808) 327-5433 |
| 7 | Atlas Insurance Agency | 75-167E Hualalai Rd | (808) 329-4844 |
| 8 | Paradise Insurance LLC | 74-5620 Palani Rd #205 | (808) 315-7207 |
| 9 | Senior Benefits Consultants - Big Island | 71-1744 Puu Kamanu Loop | (808) 895-1185 |
| 10 | Old Republic Title | 75-5722 Kuakini Hwy #215 | (808) 327-3700 |
Nakoa Kai Insurance Professionals: Allstate Insurance serves the Hilo, Hawaii, area and specializes in long-term care insurance. This coverage helps individuals plan for future needs such as extended nursing or home-based care. Policies are designed to protect savings from the high costs of assisted living or in-home health aides. The agency assists clients in understanding policy options that address both stand-alone long-term care plans and linked benefit policies combined with life insurance. They also offer guidance on selecting appropriate daily benefit amounts and benefit periods for local care needs.
Matt DeMille - State Farm Insurance Agent in Kailua-Kona, HI, provides long-term care insurance coverage designed to help individuals plan for future care needs. The agency offers guidance on policy options, including benefit triggers and coverage duration, and assists with ongoing policy maintenance and adjustments as circumstances change. Services also include reviewing existing plans to ensure alignment with current health and financial goals. This agency serves a range of clients, including those owning single-family homes, apartments, retail businesses, and restaurants.
Serving homeowners and families in Kailua-Kona, Aloha Insurance Services Inc provides assistance with long-term care insurance needs. The agency helps clients evaluate their personal situation to find coverage for future care costs. Long-term care policies can help preserve financial independence by covering home health aides, assisted living facilities, or nursing home stays. The firm guides applicants through plan selection and the underwriting process. Its service area also extends west to cover the nearby resort community of Waikoloa Village.
Liberty Insurance Agency specializes in long-term care insurance, helping clients in Kailua-Kona, Hawaii, secure coverage for future personal care needs. It works with individuals to evaluate policy options that address assisted living, nursing home, and home health care expenses, providing guidance on how these plans fit into broader retirement strategies. This support is particularly valuable during hurricane season, when residents often reevaluate their emergency preparedness and long-term financial safeguards for home-based recovery after a storm.
Serving Kailua-Kona and the surrounding communities of the Big Island, Keinnen Kato - State Farm Insurance Agent handles long-term care insurance planning. This type of insurance agent helps clients prepare for future custodial or home-based care needs that health insurance typically does not cover. They work to protect personal savings from the high costs of extended care. The general approach used involves a free, confidential consultation to review each client's assets and family situation, then presenting personalized plan options from available policies.
As Kailua-Kona’s older population faces the rising costs of extended care, Atlas Insurance Agency provides guidance on navigating long-term care insurance policies tailored to island life. The agency explains how these plans help cover home health aides, adult day services, or nursing facility stays, protecting savings from medical expenses. Rather than a one-size-fits-all approach, they review individual needs alongside local care options. Their process begins with a complimentary phone consultation to outline coverage priorities.
Paradise Insurance LLC in Kailua-Kona, HI, distinguishes between one-time policy evaluations and recurring service agreements to help clients secure long-term care coverage that meets their needs over time. Residents exploring options for future care costs can review plans designed to protect assets against the rising expenses of assisted living or home health aides in the area. These insurance consultations provide guidance on policy features such as daily benefit amounts and inflation protection. Service for existing clients operates primarily on an as-needed basis, allowing for periodic policy reviews or amendments whenever circumstances change.
Serving clients across the Big Island, Senior Benefits Consultants in Kailua-Kona provides guidance on securing long-term care insurance coverage. The agency specializes in policies that help protect assets while covering expenses for extended care. It assists individuals in navigating plan options tailored to their future needs. The company works with businesses and organizations in various commercial sectors, including offices, warehouses, and food service operations.
As Kailua-Kona residents plan for the unique challenges of aging in a remote island community, Old Republic Title helps secure coverage that protects savings from the high cost of extended care. Located locally, this agency guides clients through policy options designed to meet both current budgets and future needs on the Big Island. Shifting health or family situations often prompt a review of existing plans. The process begins with a free initial consultation to assess current assets and desired coverage levels.
What Does a a Long-Term Care Insurance Agent in Kailua-Kona Cost?
Long-term care insurance premiums in Hawaii vary widely based on age, health, benefit amount, and policy features. For a typical 55-year-old in Kailua-Kona, annual premiums may range from $1,500 to $3,500 for a policy with a $150 daily benefit and three-year benefit period. Older applicants or those with health conditions may pay significantly more. This is general information, not insurance advice.
About long-term care insurance agents in Kailua-Kona
Kailua-Kona residents can work with a long-term care insurance agent to explore policies that cover home care, assisted living, and nursing facility costs. Hawaii law requires agents to be licensed by the Department of Commerce and Consumer Affairs. Local agents understand the unique needs of Hawaii families, including island-specific care options and the Hawaii Long-Term Care Partnership Program.
Frequently Asked Questions
What does a long-term care insurance agent in Kailua-Kona do?
A licensed agent helps you compare policies from different insurers, explains benefit triggers and inflation protection, and guides you through the Hawaii Partnership Program which allows asset disregard for Medicaid. They do not provide legal advice but can help you understand coverage options.
How do Hawaii Partnership policies work in Kailua-Kona?
Hawaii Partnership policies are qualified long-term care plans that include inflation protection and allow you to keep assets equal to the benefits paid if you later need Medicaid. Agents in Kailua-Kona can explain how these policies coordinate with Hawaii Medicaid rules.
What is the age limit for buying long-term care insurance in Hawaii?
There is no Hawaii state law setting a maximum age, but most insurers require applicants to be between 18 and 79 years old. Premiums increase with age and health status. An agent can help you find a policy that fits your age and budget.