The top-rated long-term care insurance agent in Waukegan, Illinois is Manuel Torres - State Farm Insurance Agent, rated 4.9 stars across 697 reviews. Other highly rated options include Tim Vinson - State Farm Insurance Agent, Maylen Torres - State Farm Insurance Agent, Martinez Insurance Group. This directory lists 20 long-term care insurance agents serving Waukegan.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Manuel Torres - State Farm Insurance Agent | 1520 Washington St | (847) 782-1475 |
| 2 | Tim Vinson - State Farm Insurance Agent | 2730 Grand Ave | (847) 263-6996 |
| 3 | Maylen Torres - State Farm Insurance Agent | 318 S Green Bay Rd | (773) 637-2100 |
| 4 | Martinez Insurance Group | 2243 Belvidere Rd | (847) 596-7447 |
| 5 | Seguros Tepeyac | Tepeyac Insurance Agency | 1820 Washington St | (847) 599-8700 |
| 6 | Nauta Insurance Agency Inc | 2111 Washington St | (847) 662-8750 |
| 7 | Magnum Insurance Agency | 2312 Grand Ave | (847) 596-8185 |
| 8 | Northwest Insurance Network | 328 S Green Bay Rd | (847) 263-0600 |
| 9 | Selecto Insurance | 1906 Grand Ave | (847) 625-6400 |
| 10 | Alamo Insurance & Financial Service | 2744 Grand Ave | (847) 239-5481 |
Manuel Torres - State Farm Insurance Agent in Waukegan, IL, serves homeowners, families, and individuals planning for future health needs with long-term care insurance guidance. The agency helps clients review policy options that may cover in-home care, assisted living, or nursing facility expenses. Residents seeking to protect assets and maintain care choices can consult the office for personalized coverage evaluations. The agent also assists customers in surrounding Lake County communities, including the neighboring city of North Chicago.
Tim Vinson - State Farm Insurance Agent in Waukegan, IL offers long-term care insurance coverage tailored to help clients manage the financial impact of extended care needs. Services include policy selection assistance and plan reviews to ensure coverage keeps pace with changing health care costs. Simple maintenance options allow for periodic adjustments to benefits and premiums without requiring full reapplication. The agency services single-family homes, apartments, retail establishments, and restaurants throughout the local area.
Serving Waukegan, Illinois, and the surrounding Lake County communities, Maylen Torres - State Farm Insurance Agent handles long-term care insurance planning and policy options. The agency assists clients in understanding coverage for nursing home, assisted living, and in-home care expenses. To address each situation, it begins with a thorough assessment of an individual’s financial goals and anticipated future care needs, then presents suitable policy choices that align with the client’s budget and timeline.
Martinez Insurance Group specializes in helping clients secure long-term care coverage to protect assets and maintain independence. In Waukegan, IL, it provides comprehensive guidance through the selection of policies that address future health needs and care preferences. The agency works closely with individuals and families to explain benefit options, coverage terms, and the financial implications of planning ahead. It also assists with annual policy reviews to adjust for changes in care costs or personal circumstances. As winter approaches, it helps clients evaluate coverage for increased risks of falls or seasonal health setbacks.
Seguros Tepeyac | Tepeyac Insurance Agency in Waukegan, IL distinguishes between a single-policy purchase for immediate needs and recurring plan reviews to adjust coverage as circumstances change. Their long-term care policies help clients in the region protect assets and manage expenses for extended custodial or nursing care. The agency addresses questions about policy benefits and premium structures during consultations. Service is available on a one-time, scheduled, or as-needed basis depending on each client’s requirement for initial enrollment or periodic reassessments.
As Waukegan residents plan for future care needs, often triggered by a family health event, Nauta Insurance Agency Inc provides guidance on long-term care insurance options. The agent reviews coverage for nursing home, assisted living, and home-based services common in Lake County. Each policy discussion centers on the client’s age and financial goals during an initial fact-finding consultation, which leads to a scheduled assessment of current health and coverage gaps.
Magnum Insurance Agency provides long-term care insurance solutions to residents of Waukegan, Illinois. They also assist local businesses with commercial coverage options tailored to protect their operations throughout the Lake County area. Their agents guide clients through complex policy choices, helping secure financial protection for future care needs. Regular check-ins ensure coverage remains aligned with changing personal circumstances. Follow-up appointments are scheduled between annual policy reviews to address any account adjustments or questions.
Northwest Insurance Network helps individuals plan for future care needs by offering long-term care insurance solutions from its office in Waukegan, Illinois. The agency specializes in policies that cover extended home health care, assisted living, and nursing home stays. It works with clients to compare coverage options tailored to personal budgets and health circumstances. The firm also serves commercial clients, including local offices, warehouses, and food service businesses, advising them on group long-term care benefit packages.
Alamo Insurance & Financial Service in Waukegan, IL, assists local residents in selecting long-term care insurance policies designed to help cover future personal care needs. The agency's work also extends to providing commercial coverage options for area businesses requiring appropriate risk protection, serving clients throughout the Waukegan region. The agent helps clarify the differences between various policy terms and benefit triggers. Clients often return between regular visits to review their changing circumstances and adjust any existing coverage parameters accordingly.
What Does a a Long-Term Care Insurance Agent in Waukegan Cost?
In Illinois, annual premiums for a 55-year-old can range from 1,500 to 3,000 dollars for a policy with 150,000 dollars in benefits and 3 percent inflation protection. Costs increase with age and for those with health conditions. This is general information and not insurance advice.
About long-term care insurance agents in Waukegan
Long-term care insurance agents in Waukegan help residents plan for future care costs like nursing homes or home health aides. Illinois offers a Partnership program that allows policyholders to protect some assets while qualifying for Medicaid. Local agents can explain how these state-specific rules affect your coverage choices.
Frequently Asked Questions
What is the Illinois Long-Term Care Partnership Program?
It is a state program that lets you keep a portion of your assets equal to what your policy pays out if you later need Medicaid. This helps Waukegan residents avoid spending down all savings before receiving government assistance.
How do I choose a long-term care insurance agent in Waukegan?
Look for an agent licensed in Illinois who has experience with local carriers and the Partnership program. Ask about their familiarity with Lake County regulations and whether they offer policies that cover both facility and home care.
What factors affect long-term care insurance costs in Illinois?
Premiums depend on your age, health, benefit amount, and inflation protection. Illinois law requires policies to include certain consumer protections like a 30-day free look period. An agent can compare quotes from multiple insurers for you.
Long-Term Care Insurance Agents in Other Illinois Cities
Addison · Algonquin · Arlington Heights · Aurora · Bartlett · Batavia · Belleville · Berwyn · Bloomington · Bolingbrook · Buffalo Grove · Burbank · Calumet City · Carol Stream · Champaign