The top-rated long-term care insurance agent in Richmond, Indiana is Angie Witherby - State Farm Insurance Agent, rated 4.9 stars across 210 reviews. Other highly rated options include Acceptance Insurance, Brian Benedict, Licensed Agent, Medicare Questions?, McGowan Insurance Group. This directory lists 19 long-term care insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Angie Witherby - State Farm Insurance Agent | 833 Chester Blvd | (765) 935-7348 |
| 2 | Acceptance Insurance | 3547 E Main St | (765) 756-5788 |
| 3 | Brian Benedict, Licensed Agent, Medicare Questions? | 534 E Main St | (765) 703-8080 |
| 4 | McGowan Insurance Group | 1126 E Main St | (765) 962-9502 |
| 5 | VanVleet Insurance | 1 Glen Miller Pkwy | (765) 935-5655 |
| 6 | Brian Fuller: Allstate Insurance | 2901 E Main St | (765) 939-3009 |
| 7 | Affordable Insurance Agency, Division of RMD-Patti Insurance | 36 S 9th St | (765) 966-7531 |
| 8 | McQuiston Insurance Agency | 300 S 4th St | (765) 962-4151 |
| 9 | Uphaus Insurance | 1810 Williamsburg Pike # 2 | (765) 935-5050 |
| 10 | John Hostetler - State Farm Insurance Agent | 3225 E Main St | (765) 966-6636 |
Angie Witherby - State Farm Insurance Agent serves the Richmond, Indiana, metro area. This agency offers long-term care insurance, which helps cover services not paid by regular health insurance. Policies typically address assistance with daily activities such as bathing, dressing, and eating, whether at home, in an adult day facility, or in a nursing home. Representatives guide clients through plan options that protect savings from extended care expenses. The agency handles policy enrollment for individual plans and also advises on home care coverage riders.
Acceptance Insurance offers financial protection services to clients in Richmond, Indiana, focusing on long-term care insurance to help individuals manage future health expenses. It specializes in policies that cover extended nursing, home health, and assisted living needs. The agency assists commercial sectors including local offices, warehouses, and food service establishments in understanding their coverage options and planning for long-term employee and business continuity needs.
Brian Benedict, a licensed agent based in Richmond, IN, provides guidance on long-term care insurance and Medicare questions, helping clients plan for future healthcare needs. His services include explaining coverage options and facilitating policy applications to protect assets. Ongoing support involves reviewing plans annually to ensure they remain suitable for changing circumstances. He assists both individuals and families seeking to safeguard their retirement savings. The company services single-family homes, apartments, retail, and restaurants within the local community.
Serving residents of Richmond, Indiana, McGowan Insurance Group helps individuals secure long-term care insurance policies to protect assets and maintain independence. Commercial clients also receive expert guidance on coverage options suited for local business needs. The agent provides clear explanations of policy benefits, including home care, assisted living, and nursing facility services. Follow-up consultations are offered regularly after policy purchase to review changing needs and ensure continued appropriate coverage between regular visits.
Homeowners and families in Richmond, Indiana seek long-term care insurance agents for guidance on protecting assets while planning for potential future care needs. VanVleet Insurance assists clients by explaining policy options and helping them choose coverage that aligns with their personal retirement goals. The agency provides information on benefits for home-based, assisted living, or nursing facility care as part of a comprehensive planning strategy. Services also extend to residents in the surrounding Wayne County area.
Brian Fuller: Allstate Insurance serves Richmond and the surrounding Wayne County communities, handling long-term care insurance policies designed to cover the cost of home health aides, assisted living, and nursing facility stays. This office works with local residents to explore coverage options that help protect personal savings from the high expenses of extended care needs. To manage a typical case, the agent begins with a personal consultation to review each client’s health history and financial goals before comparing specific policy features available.
Serving Richmond, Indiana, Affordable Insurance Agency, Division of RMD-Patti Insurance, assists clients in understanding the difference between one-time policy purchases and recurring premium payment options for long-term care protection. The agency helps explore coverage that addresses future needs for home care, assisted living, or nursing facility expenses, depending on individual circumstances. Service appointments are handled on an as-needed basis, allowing residents to schedule consultations whenever they require guidance or policy adjustments.
McQuison Insurance Agency specializes in helping clients select long-term care insurance policies that cover home care, assisted living, and nursing facility expenses. It provides general agency services including policy comparisons, application assistance, and claims guidance for residents in the Richmond area. As a local long-term care insurance agent, the firm helps individuals plan financially for potential care needs before retirement or health changes occur. It also assists families in adjusting coverage when a spouse is diagnosed with a chronic illness requiring immediate support.
As Richmond residents begin to plan for their retirement years, many consider how to protect their savings from the high costs of extended care. Uphaus Insurance in Richmond, IN, provides guidance on long-term care insurance policies designed to cover services like nursing home stays or home health aides. The agency helps local families assess their financial exposure and review available policy options from various carriers. An initial consultation typically begins with a review of current health needs and long-term goals, followed by a policy needs assessment.
What Does a a Long-Term Care Insurance Agent in Richmond Cost?
Long-term care insurance agent services in Indiana typically do not charge a separate fee as they earn commission from the insurance company. Policy premiums vary widely based on age, health, and coverage level. A 55-year-old in Indiana might pay between 1,500 and 3,000 dollars per year for a moderate policy. Costs increase with age and added benefits like inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Richmond
A long-term care insurance agent in Richmond, Indiana helps you navigate policy choices for nursing home, home care, and assisted living. Indiana law requires agents to be licensed and follow specific disclosure rules. Local agents understand the Wayne County area and can explain how Indiana Partnership for Long-Term Care programs affect your plan.
Frequently Asked Questions
What does a long-term care insurance agent in Richmond do?
An agent helps you compare policies from different carriers and explains coverage for care at home or in a facility. They must follow Indiana regulations including the 30-day free look period for new policies. The agent can also show how a policy may coordinate with Medicaid.
How do I choose a long-term care insurance agent in Indiana?
Look for an agent licensed in Indiana with experience in long-term care products. Ask if they are familiar with the Indiana Partnership for Long-Term Care which offers asset protection. Check their history with the Indiana Department of Insurance for any complaints.
Are there Indiana laws about long-term care insurance policies?
Yes, Indiana requires insurers to offer inflation protection and nonforfeiture benefits. Policies must include a 30-day free look period and clear outline of coverage. Agents must provide a buyers guide and policy summary at the time of application.
Long-Term Care Insurance Agents in Other Indiana Cities
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