The top-rated long-term care insurance agent in Lowell, Massachusetts is AAA Lowell, rated 4.4 stars across 414 reviews. Other highly rated options include Monica Insurance Agency Inc, Mill City Insurance Inc, Paul A. Balakin Insurance. This directory lists 24 long-term care insurance agents serving Lowell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Lowell | 585 Pawtucket Blvd | (978) 937-3061 |
| 2 | Monica Insurance Agency Inc | 11 Mill St | (978) 454-2577 |
| 3 | Mill City Insurance Inc | 493 Westford St | (978) 441-0005 |
| 4 | Paul A. Balakin Insurance | 81 Plain St #1 | (978) 441-3003 |
| 5 | Sharlene Wulleman: Allstate Insurance | 1235 Bridge St | (978) 455-4556 |
| 6 | Francis E. Provencher Insurance | 530 Rogers St | (978) 459-8681 |
| 7 | KK Insurance Agency, Inc. | 508 Westford St | (978) 970-2212 |
| 8 | Alpha Insurance | 648 Central St | (978) 459-4547 |
| 9 | Fred C. Church, Inc. | 41 Wellman St | (978) 458-1865 |
| 10 | I-insurance Group Inc | 799 Gorham St A | (978) 645-6996 |
AAA Lowell serves the greater Lowell, Massachusetts area, offering guidance on long-term care insurance solutions. Their work helps families plan for future care needs, including nursing home and assisted living expenses. This agent provides explanations of policy options that can protect assets and manage the high costs of extended care. Clients can discuss benefit triggers and coverage eligibility for home health aides as part of a comprehensive financial plan. They also assist with evaluating inflation protection riders and shared care provisions for couples.
Monica Insurance Agency Inc in Lowell, MA serves individuals and families seeking long-term care insurance protection. The agency helps clients understand policy options for covering home health aides, assisted living, and nursing home expenses. It provides guidance on preparing for potential future care needs while preserving retirement savings. This coverage is essential for those planning to remain in their community as they age. The company also assists clients from surrounding communities such as Chelmsford, providing them with local expertise in long-term care insurance solutions.
Mill City Insurance Inc in Lowell, MA provides a full range of long-term care insurance agency services, including policy selection, enrollment assistance, and coverage review. It helps clients understand benefit triggers, daily benefit amounts, and inflation protection options. The agency also offers ongoing support for claims navigation and plan maintenance, ensuring policies adapt to changing care needs. Its clientele includes individuals requiring financial protection for home care, assisted living, or nursing facility expenses, covering both single-family residences and apartment dwellers.
Specializing in long-term care insurance, Paul A. Balakin Insurance helps individuals in Lowell, MA, plan for future care needs. The agency generally works with clients to review policy options that can protect savings from high care costs. It assists with navigating the complexities of coverage and eligibility for area services. When approaching retirement or facing a sudden health diagnosis, the agency helps families identify concrete solutions to secure care without financial strain.
Sharlene Wulleman: Allstate Insurance serves the Lowell, Massachusetts, area and the surrounding communities. The agency handles the coordination of long-term care insurance policies for local residents. Clients typically seek coverage for future assistance with daily living activities, such as bathing or meal preparation, either at home or in a facility. The agency takes a straightforward approach, first reviewing a client’s personal situation and then explaining the scope of different plan options available in the market to match individual needs.
Francis E. Provencher Insurance in Lowell, MA, assists clients in distinguishing between one-time, single-policy purchases and recurring premium payment plans for long-term care coverage. This coverage helps protect personal assets against the high expenses of extended medical or custodial care. Serving the local area, the business guides individuals through their policy options and potential benefit selections under a standard long-term care insurance agent model. Service to clients typically runs on an as-needed basis, arranged at the client's request for initial consultations or future policy reviews.
As families in the Lowell area begin planning for aging parents during seasonal changes, KK Insurance Agency, Inc. specializes in guiding clients through long-term care insurance options. The agency focuses on helping individuals protect assets against the significant costs of extended nursing or home care. By assessing personal health histories and financial goals, they clarify policy choices available locally. Their process typically begins with a confidential initial assessment of current needs and potential future care preferences.
Alpha Insurance in Lowell, MA, assists clients with planning and selecting long-term care insurance policies to help cover future care needs. The agency specializes in adapting these policies with additional provisions for inflation protection and shared care benefits. This tailored approach allows individuals and families to secure coverage that aligns with their specific health and financial circumstances. The firm serves a range of local commercial sectors, including offices, warehouses, and food service operations.
Fred C. Church, Inc. provides long-term care insurance services for residents of homes and apartments in Lowel l, Massachusetts, also delivering commercial coverage for local businesses and organizations throughout the area. The agency helps clients plan for future care needs by explaining policy options and structuring coverage to address potential long-term expenses. Follow-up visits or repeat appointments are arranged between regular check-ins to adjust coverage as circumstances change.
I-insurance Group Inc serves the Lowell, Massachusetts area as a long-term care insurance agent, where it assists clients in evaluating options for covering extended nursing or home health needs. The company works with residents nearing retirement or needing financial protection against long-term care costs. Its consultations explain how policy benefits interact with other retirement assets. Services include comparing benefit periods and daily coverage amounts from various carriers. I-insurance Group Inc can add a look at linked hybrid life insurance policies that combine long-term care benefits with a death benefit.
What Does a a Long-Term Care Insurance Agent in Lowell Cost?
Long-term care insurance premiums in Massachusetts vary widely based on age, health, benefit amount, and inflation protection. For a 55-year-old in good health, a policy with a $150 daily benefit and 3-year term may cost between $1,500 and $3,000 per year. Premiums for older applicants or those with health issues can be significantly higher. This is general information, not insurance advice.
About long-term care insurance agents in Lowell
Long-term care insurance agents in Lowell, Massachusetts help residents plan for future care needs. These professionals can explain policies that may qualify under the Massachusetts Partnership for Long-Term Care program, which offers asset protection for residents who meet state requirements. Working with a local agent allows you to discuss options specific to Middlesex County and Massachusetts regulations.
Frequently Asked Questions
What does a long-term care insurance agent in Lowell do?
A long-term care insurance agent in Lowell helps you compare policies from different carriers, explains benefit triggers and elimination periods, and advises on state-specific rules like the Massachusetts Partnership program. They do not provide legal or tax advice but can guide you through coverage choices.
Does Massachusetts have a special long-term care insurance program?
Yes, Massachusetts offers the Partnership for Long-Term Care program. This program allows policyholders to protect a portion of their assets equal to the benefits paid by their policy if they later need MassHealth (Medicaid). An agent can help you find a Partnership-qualified policy.
How long does it take to get a long-term care insurance policy in Lowell?
The application process typically takes 4 to 8 weeks from initial consultation to policy issue. This includes medical underwriting, which may require a phone interview or review of medical records. Massachusetts law requires a 30-day free look period after you receive the policy.
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