The top-rated long-term care insurance agent in Royal Oak, Michigan is Cameron Barnes - State Farm Insurance Agent, rated 5.0 stars across 565 reviews. Other highly rated options include Kirsten Wood - State Farm Insurance Agent, Tiffany Khousakoun - State Farm Insurance Agent, Michael Lantzy - State Farm Insurance Agent. This directory lists 15 long-term care insurance agents serving Royal Oak.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cameron Barnes - State Farm Insurance Agent | 306 S Washington Ave Suite 207 | (248) 721-8365 |
| 2 | Kirsten Wood - State Farm Insurance Agent | 1017 S Washington Ave | (248) 547-5309 |
| 3 | Tiffany Khousakoun - State Farm Insurance Agent | 312 E 3rd St | (248) 864-8219 |
| 4 | Michael Lantzy - State Farm Insurance Agent | 1103 N Campbell Rd | (248) 291-6504 |
| 5 | Atlas Insurance Agency, LLC | 520 E 4th St | (248) 545-7500 |
| 6 | High Favor Insurance Agency LLC | 26080 Woodward Ave | (248) 765-8675 |
| 7 | HealthMarkets Insurance - Julia Muraj Bruceti | 32801 Woodward Ave Ste #101 | (248) 225-3821 |
| 8 | The Robert Littleton Insurance Agency | 104 W 4th St #205 | (248) 643-7575 |
| 9 | Crown Shield Insurance Group | 301 W 4th St LL25 | (248) 955-5255 |
| 10 | McNish Group | 26622 Woodward Ave STE 200 | (248) 544-4800 |
Cameron Barnes - State Farm Insurance Agent serves the Royal Oak, Michigan area as a long-term care insurance agent. This agency helps local families evaluate financial strategies related to extended care needs, working directly with clients to explain coverage options that address future medical and personal care expenses. The agent assists with policy selection and enrollment, emphasizing how Long-Term Care insurance can protect retirement savings while providing access to needed support. Services include consultations on benefit periods and inflation protection options tailored to individual circumstances.
Kirsten Wood - State Farm Insurance Agent serves homeowners, families, and individual policyholders in Royal Oak, MI, who need to plan for future care costs. The agency provides long-term care insurance options designed to help protect assets and provide more independence during aging. The agent works with clients to compare coverage structures and tailor a policy to their specific circumstances and budget. The agency also serves communities throughout the Oakland County area, including neighboring Ferndale.
Serving Royal Oak and the surrounding communities of southeastern Michigan, Tiffany Khousakoun - State Farm Insurance Agent specializes in long-term care insurance policies. It handles financial protection for individuals who may require extended assistance due to aging, chronic illness, or disability. The agency works through State Farm’s established insurance products to address these coverage needs. When handling a typical client inquiry, it first reviews personal health factors and financial goals, then presents plan options suited to those specific circumstances.
Michael Lantzy - State Farm Insurance Agent in Royal Oak, MI, provides long-term care insurance services, including policy reviews and plan adjustments tailored to individual needs. Service and maintenance plans involve annual consultations to update coverage based on changing health care costs and personal circumstances. For filing claims or seeking benefit explanations, the agency offers direct assistance with the insurer’s processes. This agent services single-family homes, apartments, retail establishments, and restaurants throughout the local area.
Atlas Insurance Agency, LLC assists clients in distinguishing between one-time policy evaluations and recurring coverage management, focusing on long-term care plans in Royal Oak, MI. These agents help navigate how policies cover services like home care or assisted living. Instead of offering generic financial advice, they explain specific benefit triggers and elimination periods. The agency’s service runs on a scheduled basis, advising individuals when policy needs arise or annually.
High Favor Insurance Agency LLC offers specialized long-term care insurance planning, helping individuals in Royal Oak, Michigan, and the surrounding area prepare for future care needs. It provides general consultation services, guiding clients through policy options that cover expenses for nursing homes, assisted living, or home care. This work ensures that financial assets are protected from the high costs of extended personal care. As winter arrives, the agency assists clients worried about the increased risk of falls and injuries that can suddenly require extended recovery or full-time assistance.
Many Michigan seniors begin planning for long-term care costs as they prepare for retirement in the Royal Oak area. HealthMarkets Insurance - Julia Muraj Bruceti assists local families in evaluating their insurance options to help cover potential nursing home or in-home care expenses. The agency provides education on different policy structures and benefit periods tailored to individual budgets. Every consultation begins with a thorough review of current assets and health status to determine appropriate coverage levels. This process concludes with a complimentary initial assessment to identify each client's specific long-term care needs.
The Robert Littleton Insurance Agency assists individuals in Royal Oak, Michigan, in planning for the financial impact of extended care needs. It focuses specifically on long-term care insurance policies, which help cover the expenses of nursing homes, assisted living, or in-home care. Such coverage protects personal savings from being depleted by high healthcare costs in older age. In addition to individual clients, the agency offers consultation to commercial sectors, including local offices, warehouses, and food service businesses.
Crown Shield Insurance Group in Royal Oak, MI, is known for guiding clients through the complex process of securing long-term care coverage. Its service range includes assessment of individual needs for future care, as well as comparison of various policy structures that protect assets from the high costs of extended healthcare. The agency specializes in tailoring plans that address both immediate family financial goals and eventual care requirements. A specialty service it can add on is the integration of hybrid life insurance policies with long-term care benefits.
McNish Group provides long-term care insurance services to residents in and around Royal Oak, Michigan. The agency also covers commercial clients who seek protection against the substantial costs of extended care. Serving the broader metropolitan Detroit area, its agents help individuals and businesses evaluate policy options for nursing home, assisted living, and home-based care. Each consultation is tailored to the client’s current needs and future plans, with follow-up and repeat service offered between regular visits to adjust coverage as circumstances change.
What Does a a Long-Term Care Insurance Agent in Royal Oak Cost?
The cost of a long-term care insurance policy in Michigan varies widely based on age, health, benefit amount, and inflation options. A typical policy for a healthy 55-year-old might range from $1,500 to $3,000 per year, while a 65-year-old could pay $2,500 to $5,000 per year. Costs have risen in recent years due to low interest rates and higher claims. This is general information and not insurance advice.
About long-term care insurance agents in Royal Oak
Long-term care insurance agents in Royal Oak, Michigan help residents plan for the high cost of assisted living, nursing homes, and home care. Michigan law allows for partnership policies that provide dollar-for-dollar asset protection under the Medicaid program. These agents can explain how a policy works with your overall retirement and health care strategy.
Frequently Asked Questions
What does a long-term care insurance agent in Royal Oak do?
An agent helps you compare policies from different carriers and choose coverage that fits your budget and health needs. They explain benefit triggers, elimination periods, and inflation protection options. They also guide you through the application and underwriting process.
Does Michigan offer any special long-term care insurance programs?
Yes, Michigan participates in the Long-Term Care Partnership Program. This program allows policyholders to keep assets equal to the benefits paid out by their policy if they later need Medicaid. This can be a valuable tool for asset protection.
How do I choose a long-term care insurance agent in Royal Oak?
Look for an agent who is licensed in Michigan and has experience with long-term care policies. Ask about the number of insurance carriers they represent and their knowledge of Michigan partnership rules. Check their reputation with the Michigan Department of Insurance and Financial Services.
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