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Find Long-Term Care Insurance Agents Near You in Ludlow, MA
Looking for a long-term care insurance agent in Ludlow? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Ludlow, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 10 long-term care insurance agents in Ludlow, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Gomes Agency
364 East St, Ludlow, MA 01056
(413) 610-1223
thegomesagency.com
Regina Jasak Independent Insurance
193 Holyoke St, Ludlow, MA 01056
(413) 315-5775
reginajasak.com
HUB International
564 Center St, Ludlow, MA 01056
(413) 583-6424
hubinternational.com
Ideal Insurance Agency, Inc.
187 East St, Ludlow, MA 01056
(413) 589-0901
idealinsurance.com
The Dowd Insurance Agencies
563 Center St #2499, Ludlow, MA 01056
(413) 538-7444
dowd.com
Duke Insurance Brokerage, Inc.
200 Center St STE 15, Ludlow, MA 01056
(413) 583-2611
dukeinsurancebrokerageinc.com
James F. Shea & Sons, LLC
200 Center St STE 6, Ludlow, MA 01056
(413) 547-8135
Cunningham Insurance Agency Inc.
398 East St, Ludlow, MA 01056
(413) 589-1616
cunninghaminsuranceagency.com
Ideal Insurance a member of Dowd Agencies, LLC
563 Center St, Ludlow, MA 01056
(413) 589-0901
dowd.com
Your Choice Insurance Agency
190 East St, Ludlow, MA 01056
(413) 589-0192
fieldeddy.com
A long-term care insurance agent in Ludlow, Massachusetts can help you plan for future care needs while protecting your savings. Massachusetts offers a Partnership Program that allows policyholders to keep more assets when qualifying for MassHealth. An agent can explain how these state-specific rules apply to your situation.
What Does a Long-Term Care Insurance Agent in Ludlow Cost?
In Massachusetts, long-term care insurance premiums vary widely based on age, health, and benefit amount. A typical policy for a 55-year-old might cost 1,500 to 3,000 dollars per year, while a 65-year-old might pay 2,500 to 5,000 dollars annually. Costs also depend on inflation protection and the length of coverage. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Ludlow do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and health needs. They explain Massachusetts rules, such as the 60-day free look period for new policies. They also assist with the application process and answer questions about benefits.
How does the Massachusetts Partnership Program affect long-term care insurance?
The Partnership Program lets you keep assets equal to the benefits your policy pays out if you later need MassHealth. For example, if your policy pays 100,000 dollars in benefits, you can protect that amount from MassHealth estate recovery. An agent can tell you if a Partnership-qualified policy is right for you.
What is the best age to buy long-term care insurance in Massachusetts?
Most people buy policies in their 50s or early 60s when premiums are lower and health issues are less likely. In Massachusetts, insurers cannot deny coverage based on age alone, but pre-existing conditions may affect eligibility. An agent can help you decide based on your health and financial goals.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.