The top-rated long-term care insurance agent in Gurnee, Illinois is Farmers Insurance - Galvez Insurance Agency, rated 4.9 stars across 448 reviews. Other highly rated options include Horizon Benefit Services, Jack Martin - State Farm Insurance Agent, Stefanie Curtis - State Farm Insurance Agent. This directory lists 14 long-term care insurance agents serving Gurnee.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Galvez Insurance Agency | 495 N Riverside Dr Ste 109 | (224) 209-2731 |
| 2 | Horizon Benefit Services | 5445 Grand Ave Ste 207 | (847) 746-6115 |
| 3 | Jack Martin - State Farm Insurance Agent | 1761 N Dilleys Rd Ste. 103 | (847) 336-6800 |
| 4 | Stefanie Curtis - State Farm Insurance Agent | 4949 Grand Ave #6b | (847) 336-8792 |
| 5 | David G Schmeissing: Allstate Insurance | 4343 Old Grand Ave Suite 209 | (847) 623-2300 |
| 6 | Howard Greer - GEICO Insurance Agent | 5414 Grand Ave Ste 300 | (847) 672-0144 |
| 7 | David Blumenstock: Allstate Insurance | 34498 N Old Walnut Cir | (847) 223-2277 |
| 8 | West's Insurance Agency | 1225 Tri State Pkwy Ste 500 | (847) 623-0456 |
| 9 | Stolarick & Company, Inc. | 4673 Grand Ave | (847) 360-1300 |
| 10 | Alejandro Villa - COUNTRY Financial Agent | 3575 Grand Ave Ste G | (847) 231-1151 |
Farmers Insurance - Galvez Insurance Agency serves Lake County and the surrounding communities of Gurnee, Illinois, as a long-term care insurance agent. This agency helps individuals plan for future care needs by offering policies that cover expenses like in-home assistance, assisted living, or nursing home stays. Long-term care insurance can protect personal assets from the high costs of extended care. The agency handles policy selection claims and customizing coverage for local residents' specific health and financial situations.
Horizon Benefit Services, based in Gurnee, IL, offers a range of long-term care insurance solutions designed to help individuals plan for future health care needs. The company provides initial policy selection assistance and ongoing service to help clients manage coverage as their circumstances evolve. Support includes regular policy reviews and guidance on claims processes. Horizon Benefit Services assists clients protecting assets, including those tied to single-family homes, apartments, retail establishments, and restaurants.
Jack Martin - State Farm Insurance Agent serves homeowners, families, and individuals in the Gurnee, Illinois area seeking to plan for future long-term care needs. The agency provides guidance on policies that help protect savings from the high costs of extended healthcare services, including in-home assistance and nursing facility stays. Its focus is on helping clients understand coverage options for a stage of life when medical and personal care may become necessary. The agent’s service area also extends to surrounding Lake County communities such as Waukegan and Libertyville.
Stefanie Curtis - State Farm Insurance Agent serves clients in Gurnee, Illinois and the surrounding Lake County communities. It handles long-term care insurance policies designed to help individuals manage the costs of extended care services, including nursing home stays, assisted living, or in-home support. This agency typically approaches each client’s situation by first reviewing their personal health history and long-term financial goals before explaining how a policy might address their potential future care needs and preserve assets.
David G Schmeissing: Allstate Insurance in Gurnee, IL specializes in long-term care insurance agent services, helping local individuals evaluate their future needs for extended care in a home, assisted living, or nursing facility. The agency generally works with clients to compare policy options that cover daily personal assistance and support services not covered by standard health plans. During times such as Medicare open enrollment or end-of-year planning, it helps area residents understand how long-term care policies may integrate with their retirement strategy and health coverage.
In Gurnee, IL, Howard Greer - GEICO Insurance Agent provides long-term care insurance that covers services like nursing home care or in-home assistance, distinguishing between a one-time policy purchase and ongoing premium payments. Clients select coverage levels and benefit durations suited to future needs in the area. Each policy is arranged individually as a scheduled transaction, with service offered on an as-needed basis for policy reviews or adjustments.
As local families plan for future healthcare needs in Gurnee, navigating long-term care coverage can become a priority. David Blumenstock: Allstate Insurance provides guidance on policies that help protect assets while addressing potential nursing home or in-home support costs. They work with clients to clarify how such coverage interacts with Medicare and other benefits common in the area. The process typically begins with a personalized review of current health and financial circumstances to identify suitable options. An initial consultation assesses these factors and outlines possible policy structures.
West's Insurance Agency in Gurnee, IL assists individuals in the region with their financial planning needs by focusing on the specific risks associated with aging. The company specializes in long-term care insurance, helping clients prepare for the potential costs of in-home care, assisted living, or nursing facility stays. This type of coverage is designed to protect assets and lessen the financial strain on families during extended care events. The agency can also serve a range of commercial sectors, including local offices, warehouses, and food service establishments requiring similar coverage for their operations.
Stolarick & Company, Inc. serves residential clients in Gurnee, IL, by helping them navigate long-term care insurance options to prepare for future personal care needs. The company also assists local small businesses in securing commercial long-term care coverage for their employees. Their team advises individuals and businesses throughout Lake County and the surrounding northeastern Illinois region. A representative returns to review policy details or adjust coverage when a client’s health or financial situation changes between regular scheduled visits.
Alejandro Villa - COUNTRY Financial Agent in Gurnee, IL, is known for helping clients prepare for the financial impact of future care needs. The agency provides guidance on long-term care insurance policies designed to cover expenses like in-home assistance or nursing facility stays. Many local residents seek such coverage to protect retirement savings from rising care costs. Additional services can include a review of existing life insurance policies to identify potential options for long-term care benefits.
What Does a a Long-Term Care Insurance Agent in Gurnee Cost?
Long-term care insurance agent services in Illinois are typically paid through commissions from the insurance company, not directly by the client. Policy premiums vary widely based on age, health, benefit amount, and benefit period. For a 55-year-old in Illinois, a policy with a 165,000 dollar benefit pool might cost between 1,500 and 3,000 dollars per year. Costs for older applicants or those with health issues can be higher. This is general information, not insurance advice.
About long-term care insurance agents in Gurnee
Long-term care insurance agents in Gurnee, Illinois help residents plan for future care needs. They guide clients through policy options that comply with Illinois regulations, including the Illinois Long-Term Care Partnership Program. This program allows policyholders to protect assets equal to the benefits paid by their policy.
Frequently Asked Questions
What does a long-term care insurance agent in Gurnee do?
A long-term care insurance agent in Gurnee helps you compare policies from different carriers. They explain benefit triggers, elimination periods, and inflation protection options. They also ensure the policy meets Illinois state requirements.
How does the Illinois Long-Term Care Partnership Program work?
The Illinois Long-Term Care Partnership Program lets you protect assets equal to the benefits your policy pays. For example, if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. Your agent can explain how this works with your financial plan.
Are there tax incentives for long-term care insurance in Illinois?
Illinois offers a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and the policy type. A Gurnee agent can help you understand how this deduction applies to your tax situation.
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