The top-rated long-term care insurance agent in Prior Lake, Minnesota is Mandi Vote- State Farm Insurance Agent, rated 5.0 stars across 214 reviews. Other highly rated options include AB & B Insurance, Lakes Insurance, Prior Lake State Agency. This directory lists 15 long-term care insurance agents serving Prior Lake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mandi Vote- State Farm Insurance Agent | 16731 State Hwy 13 Suit 109 | (612) 255-0941 |
| 2 | AB & B Insurance | 14198 Commerce Ave NE #700 | (952) 226-1226 |
| 3 | Lakes Insurance | 6885 Boudin St NE | (612) 750-3108 |
| 4 | Prior Lake State Agency | 16677 Duluth Ave SE UNIT 101 | (952) 447-8350 |
| 5 | Van Curler Independent Insurance Agency | 16228 Main Ave SE UNIT 111 | (952) 226-1160 |
| 6 | Nick Atkinson & Associates Inc American Family Insurance | 14180 Commerce Ave NE STE 107 | (952) 226-6999 |
| 7 | Oak Tree Insurance | 15870 Franklin Trail SE #105a | (952) 469-9261 |
| 8 | Goosehead Insurance - Jessica Gillin | 16268 Eagle Creek Ave SE | (612) 439-5544 |
| 9 | Alan Iverson American Family Insurance | 4719 Park Nicollet Ave SE #110 | (952) 447-1025 |
| 10 | Speiker & Company, Ltd | 16186 Main Ave SE | (952) 440-6500 |
Mandi Vote- State Farm Insurance Agent serves Prior Lake and surrounding Scott County communities, offering long-term care insurance. As a local agent, she assists individuals with planning for future healthcare needs, including coverage for assisted living and home care services. The agency evaluates each client’s financial situation to recommend appropriate policy options. From initial consultation through claim support, Mandi Vote handles the full process of securing long-term care protection. Specific services include helping clients compare benefit periods and inflation protection riders.
AB & B Insurance offers personalized guidance for individuals seeking long-term care insurance in Prior Lake, Minnesota. It provides consultations to help clients understand coverage options for future care needs, including in-home assistance and facility-based services. The company assists with policy selection and offers ongoing support to maintain coverage as circumstances change. Typical services include reviewing policy details and helping with claims coordination. It services properties such as single-family homes, apartments, retail establishments, and restaurants, ensuring coverage aligns with each client’s residential or commercial situation.
Lakes Insurance in Prior Lake, Minnesota, serves individuals and families seeking guidance on long-term care planning. The agency assists clients in understanding policy options that help cover expenses from chronic illness, disability, or aging, protecting savings from high care costs. Its work includes explaining coverage nuances such as benefit periods and elimination periods, ensuring customers choose a plan tailored to their future needs. Lakes Insurance also extends its services to nearby communities in the southwest metro, including Shakopee and surrounding areas.
Serving Prior Lake and the surrounding communities in Scott and Carver counties, Prior Lake State Agency handles long-term care insurance for clients planning for future assisted living or home health needs. This independent agency helps individuals understand policy options available in Minnesota. For a typical inquiry, it begins by reviewing a client’s financial situation and current coverage to explain how benefits coordinate with other assets. It then presents a clear comparison of several plans, guiding the client to select a policy that fits their specific budget and care preferences.
Van Curler Independent Insurance Agency in Prior Lake, MN helps clients navigate the difference between choosing a one-time policy purchase and a recurring premium plan for long-term care coverage. The coverage focuses on protecting assets against the costs of extended care, whether at home, in assisted living, or a nursing facility. This agency’s services are available on a one-time, scheduled, or as-needed basis to match each client’s planning pace.
Nick Atkinson & Associates Inc American Family Insurance specializes in long-term care insurance planning, offering policies that help cover costs of extended nursing, assisted living, or in-home care. Serving the Prior Lake, Minnesota area, the agency guides clients through selecting coverage options to protect assets and manage future care needs. This type of insurance can be particularly important when a sudden illness or injury requires prolonged assistance that Medicare does not fully address.
Oak Tree Insurance helps clients in Prior Lake, Minnesota, plan for the financial challenges of extended care needs. The agency specializes in long-term care insurance policies, often adding coverage options for home health aides and assisted living services. Clients learn how policies can protect retirement savings against rising care costs. This office supports commercial sectors, including local offices, warehouses, and food service operations seeking employee benefit solutions.
Goosehead Insurance - Jessica Gillin provides residential long-term care insurance services in Prior Lake, Minnesota. Commercial coverage options are also available for local businesses throughout the surrounding area. As a long-term care insurance agent, the firm helps clients plan for future health needs with policies that cover in-home care, assisted living, and nursing facility expenses. Follow-up service is provided when policyholders reach a qualifying event, and repeat service is offered between regular annual reviews to adjust coverage as needs change.
Alan Iverson American Family Insurance in Prior Lake, MN, is a long-term care insurance agent known for helping individuals plan for future health needs. The agency offers a range of policy options to cover daily assistance, such as nursing care or home health support, providing financial protection for aging residents. These plans can be tailored to protect retirement savings against high care costs. A specialty service available is consultation on hybrid policies that combine life insurance with long-term care benefits.
As winter approaches in Prior Lake, many families begin considering how to protect savings from the high costs of extended skilled nursing or home health care. Speiker & Company, Ltd helps local residents evaluate their long-term care insurance options, focusing on policies that cover services often excluded by standard health plans. The company works with clients to compare benefit periods, daily coverage amounts, and inflation protection choices. An initial consultation typically includes a review of the client’s current assets, health history, and family care goals to begin the assessment process.
What Does a a Long-Term Care Insurance Agent in Prior Lake Cost?
The cost of long-term care insurance in Minnesota varies by age, health, and coverage level. For a 55-year-old, a policy with a 3-year benefit period and a $150 daily benefit may cost between $1,500 and $3,000 per year. Premiums can increase over time, and rates are regulated by the Minnesota Department of Commerce. This is general information and not insurance advice.
About long-term care insurance agents in Prior Lake
Long-term care insurance agents in Prior Lake, Minnesota help residents plan for future care needs. These agents explain policies that cover costs for nursing homes, assisted living, and home health care. In Minnesota, the Partnership for Long-Term Care program allows policyholders to protect assets while qualifying for Medical Assistance.
Frequently Asked Questions
What does a long-term care insurance agent in Prior Lake do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options for nursing home care, home care, and assisted living. They also help you understand Minnesota-specific rules like the Partnership program.
How do I choose a long-term care insurance policy in Minnesota?
Look for a policy that covers both facility care and home care. In Minnesota, you can buy a policy that qualifies for the Partnership program, which lets you keep more assets if you later need Medical Assistance. An agent can show you policies with inflation protection and elimination periods that fit your budget.
Are there tax benefits for long-term care insurance in Minnesota?
Yes, Minnesota offers a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and the policy type. An agent can help you find policies that meet the state requirements for this deduction.
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