The top-rated long-term care insurance agent in Bloomfield Hills, Michigan is E&Y Insurance Agency, rated 5.0 stars across 554 reviews. Other highly rated options include Goosehead Insurance - Marty O'Neill, The M1 Agency, Kimberly Morris - State Farm Insurance Agent. This directory lists 10 long-term care insurance agents serving Bloomfield Hills.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | E&Y Insurance Agency | 33 Bloomfield Hills Pkwy Suite 245 | (248) 362-1313 |
| 2 | Goosehead Insurance - Marty O'Neill | 41000 Woodward Ave Suite 350 East | (248) 542-7770 |
| 3 | The M1 Agency | 41000 Woodward Ave Suite 350E | (248) 771-3161 |
| 4 | Kimberly Morris - State Farm Insurance Agent | 6441 Inkster Rd #240 | (248) 851-2757 |
| 5 | Gallagher Insurance, Risk Management & Consulting | 2600 S Telegraph Rd Suite 100 and Suite LL 25 | (248) 332-3100 |
| 6 | Oswald Companies | 39572 Woodward Ave #201 | (248) 433-1466 |
| 7 | The McLeod Group Inc | 6001 N Adams Rd # 201 | (248) 540-1020 |
| 8 | Schulte Insurance Inc | 39520 Woodward Ave # 211 | (248) 644-6666 |
| 9 | D. E. Irwin Insurance Agency, PLLC | 41000 Woodward Ave Suite 350 East Bldg | (248) 481-8214 |
| 10 | CFH Insurance Consultants | 41000 Woodward Ave Suite 350 East | (248) 370-8853 |
E&Y Insurance Agency serves clients in Oakland County and the greater Bloomfield Hills, Michigan area as a dedicated long-term care insurance agent. This agency helps individuals plan for future care needs by facilitating appropriate policy options that protect personal savings from long-term care expenses. They work closely with clients to navigate coverage details for home care, assisted living, and nursing facility services. In this area, the agency specifically handles the enrollment and policy management for both traditional long-term care insurance and hybrid life insurance policies with long-term care riders.
Goosehead Insurance - Marty O'Neill provides comprehensive long-term care insurance agency services to clients in Bloomfield Hills, Michigan. It assists individuals with evaluating and selecting policies that cover future personal care needs, such as home health aides, assisted living, or nursing home expenses. The agency offers ongoing support for reviewing existing coverage and adjusting plans as health and financial circumstances evolve. Its services are designed for homeowners protecting assets for single-family residences, as well as for those managing finances across apartments, retail ventures, and restaurants.
Serving the Bloomfield Hills area and surrounding communities in southeastern Michigan, The M1 Agency focuses on long-term care insurance policies for individuals planning for future health needs. It handles assessments of potential care costs and coverage options, guiding clients through the choices available to protect their assets. To complete a typical job, the agency gathers a client’s financial and health information, then compares policy terms from different carriers to recommend a suitable plan.
Homeowners and business owners in Bloomfield Hills looking to prepare for future care needs turn to Kimberly Morris - State Farm Insurance Agent for long-term care insurance guidance. This agency helps clients understand policy options that cover in-home care, assisted living, and nursing facility expenses, ensuring financial protection against rising health costs. Services include personalized policy reviews and enrollment assistance tailored to individual budgets and health situations. The agency also serves clients throughout the metro Detroit region, including nearby Troy.
Gallagher Insurance, Risk Management & Consulting provides residential long-term care insurance solutions for clients in Bloomfield Hills, Michigan. The firm also offers commercial coverage options to area businesses seeking to protect their employees and assets. Standard services include policy reviews, benefit comparisons, and guidance through the application process. Clients typically return for follow-up consultations to adjust their plans as personal circumstances change between regular policy renewal visits.
Oswald Companies in Bloomfield Hills, MI assists clients with the important difference between one-time and recurring service options for long-term care coverage. The agency works to tailor insurance plans that address future care needs and protect personal assets against rising costs. Their guidance helps families evaluate policy features and choose appropriate benefit amounts within this specialized insurance market. Service appointments are arranged on an as-needed basis to accommodate individual schedules and immediate planning questions.
The McLeod Group Inc specializes in securing long-term care insurance coverage for individuals and families. As an agency based in Bloomfield Hills, Michigan, it guides clients through the process of selecting policies that address future care needs. This general work includes assessing personal risk factors and explaining coverage options for nursing home, assisted living, and in-home care services. As flu season and colder months approach in Michigan, the agency particularly helps clients understand how a policy can protect their savings from the rising costs of extended medical recovery periods.
As Michigan’s aging population faces the rising expense of extended medical care, many local families look for practical strategies to preserve their assets. Schulte Insurance Inc, based in Bloomfield Hills, addresses that need by specializing as a long-term care insurance agent. The company guides clients through plan options designed to cover in-home assistance and nursing facility stays. Policies are evaluated for how they coordinate with Medicare and personal savings. Their process begins with a no-obligation initial-assessment interview to review each individual’s long-term circumstances and financial goals.
D. E. Irwin Insurance Agency, PLLC focuses on general insurance services and specializes in long-term care insurance for clients in Bloomfield Hills, MI. The agency helps individuals plan for future care needs by offering options that protect assets and provide financial security. Long-term care insurance policies in this area typically cover home care, assisted living, and nursing home expenses. This local agency works with small offices, large warehouses, and food service establishments to address their unique insurance requirements.
CFH Insurance Consultants provides long-term care insurance services to residents in Bloomfield Hills, Michigan. The company also assists clients throughout the surrounding area with coverage options designed to help protect assets and maintain independence as they age. Each consultation focuses on explaining how policies address future care needs, including home care, assisted living, or nursing facility expenses. Agents guide clients through plan selections and coordinate subsequent policy reviews during regular visits, ensuring coverage remains suited to changing circumstances and health goals.
What Does a a Long-Term Care Insurance Agent in Bloomfield Hills Cost?
Long-term care insurance premiums in Michigan vary based on age, health, and coverage amount. For a 55-year-old, a policy with 3-year benefit period and 5 percent inflation protection may cost between 1500 and 3000 dollars per year. Costs increase with age and if you add lifetime benefits or higher daily coverage amounts. This is general information and not insurance advice.
About long-term care insurance agents in Bloomfield Hills
Long-term care insurance agents in Bloomfield Hills Michigan help residents plan for future care needs. Michigan law requires agents to be licensed and follow specific disclosure rules when selling policies. Working with a local agent can help you understand how Michigan Partnership for Long-Term Care programs may affect your policy choices.
Frequently Asked Questions
What does a long-term care insurance agent in Bloomfield Hills do?
A long-term care insurance agent helps you compare policies from different carriers. They explain coverage options, benefit periods, and inflation protection. Agents must follow Michigan insurance regulations including providing a detailed outline of coverage before you buy a policy.
How do Michigan laws affect long-term care insurance policies?
Michigan requires insurers to offer inflation protection and nonforfeiture benefits. The state also has a 30-day free look period where you can cancel a policy for a full refund. Agents must disclose these rights to you before you sign.
What is the Michigan Partnership for Long-Term Care program?
This program allows you to keep some assets and still qualify for Medicaid if you buy a qualified partnership policy. A Bloomfield Hills agent can explain how partnership policies work. Not all policies qualify so ask your agent about this option.
Long-Term Care Insurance Agents in Other Michigan Cities
Allen Park · Ann Arbor · Auburn Hills · Battle Creek · Bay City · Byron Center · Canton Township · Clinton Township · Commerce Township · Dearborn · Dearborn Heights · Detroit · East Lansing · Farmington Hills · Flint