The top-rated long-term care insurance agent in Lynnfield, Massachusetts is Soderberg Ins. Services, rated 4.9 stars across 167 reviews. Other highly rated options include Johnson & Rohan Insurance, DiVirgilio Insurance Agency & On-Time Payroll, Success Insurance Inc. This directory lists 11 long-term care insurance agents serving Lynnfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Soderberg Ins. Services | 200 Broadway Suite 201 | (781) 593-9393 |
| 2 | Johnson & Rohan Insurance | 50 Salem St | (781) 224-0909 |
| 3 | DiVirgilio Insurance Agency & On-Time Payroll | 932 Lynnfield St | (781) 592-5220 |
| 4 | Success Insurance Inc | 550 Summer St # 1 | (781) 819-3692 |
| 5 | Mutual Insurance MA | 28 Heritage Ln | (339) 210-5868 |
| 6 | Senior Insurance Lynnfield | 40 Salem St bldg 1 | (339) 219-1236 |
| 7 | Sylvia F. Costa Insurance | 462 Broadway | (339) 440-4669 |
| 8 | Philbin Insurance Group | 220 Broadway STE 304 | (781) 596-0033 |
| 9 | Pantano Insurance | 220 Broadway STE 202 | (781) 581-3100 |
| 10 | MassAutoQuote | 50 Salem St | (781) 246-8699 |
Soderberg Ins. Services serves the Lynnfield, Massachusetts area as a long-term care insurance agent. The company provides consultation and policy placement services to help individuals plan for future care needs. It assists clients in understanding how long-term care insurance can protect assets and cover expenses not paid by Medicare or health insurance. The business specializes in both standalone long-term care policies and hybrid life insurance policies with long-term care riders.
Johnson & Rohan Insurance provides professional long-term care insurance agent services to clients in Lynnfield, MA and the surrounding area. They offer guidance on policy selection and assist with the initial enrollment process. Their ongoing service includes claims support and periodic policy reviews to help adjust coverage as needs change. These services ensure clients remain informed about their options for protecting assets and managing future care costs. The agency typically serves single-family homes, apartments, retail locations, and restaurants in the local community.
DiVirgilio Insurance Agency & On-Time Payroll serves Lynnfield homeowners and families who seek financial security against the high costs of extended care. It offers professional guidance in selecting long-term care insurance policies that protect savings and provide options for care at home, in assisted living, or in a nursing home. The agency also helps clients understand policy features like benefit triggers and daily coverage limits. Its expertise covers individuals needing care for chronic conditions or disabilities. The company additionally serves the greater North Shore area.
Serving Lynnfield, MA, and the surrounding communities, Success Insurance Inc specializes in long-term care insurance planning. The agency helps individuals navigate policies that protect savings from the high costs of extended care needs. Its focus is on matching clients with suitable coverage options for home care, assisted living, or nursing facility stays. Every consultation begins with a thorough review of personal health and financial situations. The company then presents a clear comparison of available policy benefits and pricing structures.
Mutual Insurance MA, located in Lynnfield, helps individuals understand the difference between one-time coverage such as a short-term care policy and recurring service options like a traditional long-term care plan that provides extended benefits. Coverage typically focuses on assistance with daily living activities, including bathing, dressing, and meal preparation, for those unable to care for themselves. Their consultations and policy management services are generally available on a scheduled or as-needed basis.
As families in Lynnfield begin planning for later years or face a sudden health change, the need for reliable long-term care coverage often becomes urgent. Senior Insurance Lynnfield helps local older adults navigate the complexities of selecting a suitable policy. The agency works with clients to compare plans that protect retirement savings against nursing home or home health costs. After reviewing personal finances and health history, they schedule an in-person or virtual meeting to perform an initial coverage assessment.
Sylvia F. Costa Insurance specializes in helping clients navigate the complexities of long-term care insurance, focusing on coverage options that protect savings from the high cost of care. Based in Lynnfield, MA, the agency works with individuals and families to assess their needs and compare appropriate policies. It serves Lynnfield and the surrounding communities, offering guidance on policy features such as benefit triggers and elimination periods. As the colder months approach, the agency helps clients review long-term care plans that can cover home-based care while recovery from seasonal illnesses occurs.
As the colder months settle over Lynnfield, Massachusetts, many residents begin reviewing their financial plans for potential long-term care needs. Philbin Insurance Group provides guidance on Long-Term Care Insurance options to help local individuals prepare for these expenses. The agency works with clients to understand available policy features that can assist with costs for nursing homes, home health aides, or assisted living facilities. An initial assessment of a client's current coverage and future goals typically begins with a complimentary consultation to identify suitable plan choices.
Pantano Insurance, based in Lynnfield, MA, specializes in helping clients plan for the financial realities of receiving long-term care in the future. The agency offers access to long-term care insurance policies that cover needs such as in-home assistance, assisted living, and skilled nursing facility stays. Working throughout the local area, the agency can advise offices, warehouses, and food service operations on integrating long-term care benefits into their employee offerings.
MassAutoQuote serves residents of Lynnfield, MA and the surrounding area by offering long-term care insurance policies tailored to individual needs. The agency also provides commercial coverage options for businesses seeking to protect their employees and assets. Agents guide clients through the complexities of policy selection, helping them plan for potential future care requirements. Regular follow-ups are conducted to review coverage and make adjustments as needed, ensuring policies remain aligned with changing circumstances between scheduled visits.
What Does a a Long-Term Care Insurance Agent in Lynnfield Cost?
Long-term care insurance agent services in Massachusetts are usually paid through commissions from insurance carriers, so there is often no direct fee to you. Policy premiums vary widely based on age, health, and coverage level. For a 55-year-old in good health, annual premiums can range from $1,500 to $3,000 for a basic policy. Costs increase with age and for added benefits like inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Lynnfield
A long-term care insurance agent in Lynnfield, Massachusetts can help you understand policy options and state-specific requirements. Massachusetts offers a Partnership Program that allows policyholders to protect assets while qualifying for MassHealth. An agent can guide you through these options and help you find a plan that fits your budget and needs.
Frequently Asked Questions
What does a long-term care insurance agent do in Lynnfield?
A long-term care insurance agent helps you compare policies from different carriers and explains coverage details. They can also advise on how Massachusetts Partnership policies work to coordinate private insurance with MassHealth benefits.
Are there special rules for long-term care insurance in Massachusetts?
Yes, Massachusetts has a Long-Term Care Insurance Partnership Program that lets you keep assets equal to the benefits paid by your policy if you later need MassHealth. Agents must be licensed by the state and follow consumer protection laws.
How long does it take to get a long-term care insurance policy in Lynnfield?
The application process typically takes 2 to 6 weeks. It includes a health review and underwriting. Massachusetts law requires a 30-day free look period after you receive the policy to cancel for a full refund.
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