The top-rated long-term care insurance agent in Roseville, Minnesota is Chris Ahles - State Farm Insurance Agent, rated 4.9 stars across 274 reviews. Other highly rated options include PJ Hangartner - State Farm Insurance Agent, Trevor Larson - State Farm Insurance Agent, Square Choice Insurance Services LLC. This directory lists 19 long-term care insurance agents serving Roseville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chris Ahles - State Farm Insurance Agent | 2201 Lexington Ave N | (651) 487-4204 |
| 2 | PJ Hangartner - State Farm Insurance Agent | 1751 County B Rd W Ste 330 | (651) 429-7725 |
| 3 | Trevor Larson - State Farm Insurance Agent | 2780 E Snelling Ser Dr Suite 309 | (651) 356-6213 |
| 4 | Square Choice Insurance Services LLC | 2489 Rice St # 160 | (651) 243-8987 |
| 5 | Breitenfeldt Group | 2575 Hamline Ave N STE C | (877) 732-9800 |
| 6 | Joseph Hanson - State Farm Insurance Agent | 2597 Cleveland Ave N Unit 250 | (612) 721-5555 |
| 7 | Hal Tiffany Agency Inc | 2573 B Hamline Ave N | (651) 484-4002 |
| 8 | Safeway Insurance Agency LLC | 2353 Rice St #139 | (651) 292-9090 |
| 9 | Pearson Family Agency LLC: Allstate Insurance | 2585 Hamline Ave N STE F | (651) 631-8818 |
| 10 | Farmers Insurance - Jeff Paar | 2499 Rice St Ste 130 | (651) 484-5699 |
Chris Ahles - State Farm Insurance Agent serves Roseville and the greater Ramsey County area, specializing in long-term care insurance planning. The agency helps individuals assess their future care needs and explore policy options designed to cover services like nursing home stays and in-home assistance. Policies are customized to protect assets while providing access to local care facilities. This office assists clients with comparing coverage features and understanding waiting periods for benefits.
PJ Hangartner - State Farm Insurance Agent in Roseville, MN, provides long-term care insurance services, helping individuals plan for potential future health needs. The agency offers personalized consultations to assess coverage options and ongoing support to adjust policies as circumstances change. This long-term care insurance agent works with clients to develop plans that address care in various settings. The business services single-family homes, apartments, retail businesses, and restaurants.
Serving homeowners and individuals in Roseville, Minnesota, Trevor Larson’s State Farm Insurance agency helps clients plan for the financial challenges of aging by offering long-term care insurance policies. These products are designed to cover home health aides, assisted living, and nursing facility care. The agency provides personalized consultations to review coverage needs and policy options. It also serves nearby communities in Ramsey County and the Twin Cities metro area.
Serving Roseville, Minnesota, and the surrounding communities, Square Choice Insurance Services LLC focuses exclusively on long-term care insurance for clients planning for future care needs. The company handles policy options designed to protect assets and cover expenses from assisted living, nursing homes, or home-based care services. Typical cases involve reviewing an individual’s financial situation and health background to identify suitable coverage. For each job, the agency methodically compares plan benefits to ensure the recommended policy aligns with the client’s budget and personal care preferences.
Breitenfeldt Group, based in Roseville, Minnesota, is known for guiding clients through the complexities of Long-Term Care Insurance. The firm helps individuals and families in the local area identify appropriate coverage options for future care needs, including policy features and cost considerations. Their service range encompasses both initial plan selection and ongoing policy support. For those seeking to protect assets while planning for later-life health expenses, the agency can add on consultations regarding hybrid life insurance policies that combine long-term care benefits with a death benefit.
Joseph Hanson - State Farm Insurance Agent in Roseville, MN, assists clients in distinguishing between traditional long-term care policies that reimburse specific daily or monthly expenses and more flexible hybrid life insurance plans that combine a death benefit with a long-term care rider. Coverage options help protect personal savings against the high costs of extended custodial care, nursing homes, or home health aides. Service appointments with this local agent operate on an as-needed basis, scheduled when individual consultations or policy reviews are requested.
Hal Tiffany Agency Inc specializes in long-term care insurance, providing consultations on policies that cover nursing home care, assisted living, and home health services. It assists clients in Roseville, MN, with understanding coverage options and planning financial strategies to preserve assets. As a dedicated agency in this field, it helps individuals address the immediate concern of ensuring sustained care during the winter months when seasonal illnesses can necessitate urgent long-term support.
As winter weather increases fall risks at home, many local families seek coverage for extended nursing or personal care needs. Safeway Insurance Agency LLC in Roseville, Minnesota helps clients explore long-term care insurance plans suited to current health and future goals. An agent explains benefit options, elimination periods, and daily coverage limits. For those in Roseville and nearby communities, the first step involves a confidential conversation about personal assets, family history, and potential care environments to identify appropriate policy terms before an official inspection of current documentation and eligibility requirements occurs.
Pearson Family Agency LLC: Allstate Insurance assists clients with general insurance needs and specializes in long-term care insurance agent services for the Roseville, Minnesota area. This agency helps individuals plan for future personal care costs through specialty policy assessments. The team guides customers through options for coverage that can protect assets and provide access to necessary support services. Pearson Family Agency LLC serves local commercial sectors including offices, warehouses, and food service establishments.
What Does a a Long-Term Care Insurance Agent in Roseville Cost?
Long-term care insurance premiums in Minnesota vary by age, health, and coverage level. A typical annual premium for a 55-year-old in Roseville might range from $1,500 to $3,000 for a basic policy with a 3-year benefit period. For a 65-year-old, the same coverage could cost $2,500 to $5,000 per year. Rates also depend on daily benefit amounts and inflation riders. This is general information, not insurance advice.
About long-term care insurance agents in Roseville
Long-term care insurance agents in Roseville, Minnesota help residents plan for future care needs. These agents can explain policies that may qualify under the Minnesota Partnership for Long-Term Care, which allows asset protection under state law. Agents serve clients in Ramsey County and throughout the Twin Cities metro area.
Frequently Asked Questions
What does a long-term care insurance agent in Roseville do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options, benefit periods, and inflation protection. They also guide you on how a policy interacts with Minnesota medical assistance programs.
How does the Minnesota Partnership for Long-Term Care affect my policy?
The Minnesota Partnership is a state program that lets you keep more assets if you buy a qualified policy. Your agent can show you which policies meet Partnership standards. This can help you protect assets from spend-down requirements for Medicaid.
Are there age limits for buying long-term care insurance in Minnesota?
Most companies in Minnesota offer policies to people aged 18 to 84. Premiums are lower when you buy at a younger age. Some carriers have maximum issue ages of 79 or 80, so it is best to apply before that age.
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