The top-rated long-term care insurance agent in Winona, Minnesota is Schmit Insurance Group, rated 5.0 stars across 239 reviews. Other highly rated options include A.J. Kanz American Family Insurance, Strategic Insurance Group, Steve Young Agency Inc American Family Insurance. This directory lists 19 long-term care insurance agents serving Winona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Schmit Insurance Group | 1159 Gilmore Ave #3 | (507) 458-0007 |
| 2 | A.J. Kanz American Family Insurance | 163 Walnut St | (507) 454-4638 |
| 3 | Strategic Insurance Group | 157 W 3rd St Suite E | (507) 858-5365 |
| 4 | Steve Young Agency Inc American Family Insurance | 1502 W Service Dr | (507) 454-1185 |
| 5 | Wunderlich Insurance Agency | 601 Main St | (507) 454-3348 |
| 6 | State Farm Insurance | 678 Mankato Ave #100 | (507) 452-2934 |
| 7 | Farm Bureau Financial Services: Steve Jansen | 163 W 2nd St | (507) 615-5166 |
| 8 | WA Group (formerly Winona Agency) | 174 Center St | (507) 452-3366 |
| 9 | Farmers Insurance - Jason Banitt | 103 W Broadway St | (507) 452-5916 |
| 10 | Farmers Insurance - April Carrier | 902 E 2nd St Ste 108 | (507) 474-4115 |
Schmit Insurance Group serves the greater Winona, Minnesota, area as a local long-term care insurance agent. The agency helps individuals assess their potential need for future care, evaluating policy options that can cover services like assisted living or home-based assistance. By focusing on long-term care solutions, the agents guide clients through the process of selecting coverage that aligns with personal health goals and financial planning. Specific services it handles include policy comparison consultations and assistance with filing long-term care insurance claims.
A.J. Kanz American Family Insurance provides long-term care insurance options for individuals in the Winona, Minnesota area. The agency assists clients in understanding coverage needs and offers ongoing policy reviews to help adjust plans as circumstances change. It supports access to services for those requiring extended care, whether at home or in a facility. The agency serves a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
Residents and families in Winona, Minnesota, seeking financial security for future care needs rely on Strategic Insurance Group for long-term care insurance guidance. This agency works with individuals to explore policy options that help protect assets and provide access to quality care services when necessary. Their focus remains on helping clients understand coverage benefits and costs to make informed decisions for later-life healthcare planning. Strategic Insurance Group also extends its services to neighboring communities, including Goodview, throughout Winona County.
Steve Young Agency Inc American Family Insurance, located in Winona, MN, helps clients distinguish between one-time policy purchases and recurring premium payment services for long-term care coverage. The agency assists individuals in selecting plans that address future assistance needs for daily activities like bathing, dressing, or managing medications. Service options are provided on an as-needed basis, with agents available for initial consultations and ongoing policy adjustments when clients or their families require support.
Wunderlich Insurance Agency offers focused guidance on long-term care insurance products as a specialty service. The agency also assists clients in evaluating their personal coverage needs and comparing policy options. Located in Winona, Minnesota, the business works with individuals and families throughout the local region to plan for potential care expenses. A typical situation it helps address is reviewing policy benefit triggers before a spouse transitions from hospital discharge to home-based skilled nursing in early autumn.
Serving Winona, Minnesota, and its surrounding communities, this agency handles long-term care insurance policies designed to help cover costs associated with extended nursing or home-based care. It works with clients to review their personal needs in order to outline how such coverage addresses future financial risks. The agency typically begins each job by scheduling an individual consultation to assess a client’s current assets and health profile before presenting tailored policy options.
As local residents plan for winter finances, safeguarding assets against potential long-term care costs becomes a priority. In Winona, Farm Bureau Financial Services: Steve Jansen assists families in evaluating their risks and exploring suitable insurance options. This agency focuses on tailoring coverage to individual retirement strategies and health scenarios. An initial consultation is scheduled to assess personal long-term care needs and to begin the formal application review process.
WA Group, known before as Winona Agency, operates as a long-term care insurance agent based in Winona, Minnesota. The company guides individuals through the complexities of planning for future care needs by offering tailored insurance solutions that protect assets and ensure access to quality services. This includes policies covering home health aides, assisted living, and nursing home stays. WA Group serves clients across multiple commercial sectors, including professional offices, warehouses, and food service establishments.
Serving the Winona, Minnesota area, this agency works with residents to secure long-term care insurance policies. It also offers commercial coverage solutions for local businesses. The agent understands the importance of planning for future health needs while protecting assets from care costs. A thorough initial consultation helps tailor coverage to individual circumstances. Clients can return for regular policy reviews to ensure their plan keeps pace with changing healthcare costs or personal situations between their scheduled annual check-ins.
Farmers Insurance - April Carrier is a long-term care insurance agency based in Winona, MN, known for helping clients plan for future care needs. Its services include policy options covering in-home care, assisted living, and nursing facility costs. The agency works with individuals and families in Winona and surrounding areas to assess financial protection against long-term health expenses. A specialized service the agency can provide is coordinating policies with Medicare supplement plans to reduce potential coverage gaps.
What Does a a Long-Term Care Insurance Agent in Winona Cost?
Long-term care insurance premiums in Minnesota vary widely based on age, health, and coverage level. A typical policy for a 55-year-old may cost between $1,500 and $3,000 per year. Costs increase with age and with added benefits like inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Winona
A long-term care insurance agent in Winona, Minnesota can help you find a policy that fits your budget and health needs. Minnesota offers a state partnership program that allows policyholders to protect assets while qualifying for Medical Assistance. Local agents understand the specific regulations and tax incentives available to Minnesota residents.
Frequently Asked Questions
What does a long-term care insurance agent in Winona do?
An agent helps you compare policies from different insurance companies. They explain coverage options, benefit periods, and inflation protection. They also guide you through the application process and answer questions about Minnesota-specific rules.
How does the Minnesota long-term care partnership program work?
The Minnesota Long-Term Care Partnership Program lets you keep assets equal to the benefits your policy pays out. This means you can still qualify for Medical Assistance without spending down all your savings. Your Winona agent can explain how this program applies to your situation.
Are there tax incentives 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 policy type. Your agent can provide details on how this benefit works for your tax filing.
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