The top-rated long-term care insurance agent in Kirkwood, Missouri is Anthony Luster - State Farm Insurance Agent, rated 4.9 stars across 351 reviews. Other highly rated options include Jake Molitor - State Farm Insurance Agent, The Crismore Agency, Farmers Insurance - Brody Jackson. This directory lists 12 long-term care insurance agents serving Kirkwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Anthony Luster - State Farm Insurance Agent | 1045 N Harrison Ave | (314) 462-0399 |
| 2 | Jake Molitor - State Farm Insurance Agent | 338 S Kirkwood Rd Unit 102 | (314) 821-4500 |
| 3 | The Crismore Agency | 117 W Woodbine Ave 2nd floor | (314) 480-3720 |
| 4 | Farmers Insurance - Brody Jackson | 12166 Old Big Bend Rd Suite 302 | (636) 600-0720 |
| 5 | Kirk D Faubel Insurance Advisors | 10135 Manchester Rd Apt 202 | (618) 363-5272 |
| 6 | Hardy R Washington Jr - State Farm Insurance Agent | 800 S Kirkwood Rd | (314) 821-8488 |
| 7 | Kalender & Associates LLC American Family Insurance | 734 N Harrison Ave | (314) 471-0045 |
| 8 | John Cleary: Allstate Insurance | 111 N Taylor Ave Ste B | (314) 822-0007 |
| 9 | Koury Insurance Agency | 11039 Manchester Rd | (314) 822-9275 |
| 10 | Hashley Insurance Agency | 101 W Argonne Dr Ste 244 | (314) 569-1440 |
Anthony Luster - State Farm Insurance Agent serves the Kirkwood, Missouri area and the greater St. Louis County community. This agency provides professional guidance on long-term care insurance, helping clients plan for potential future needs for nursing home care, home health aides, or assisted living facilities. For those preparing retirement strategies, the office also offers knowledge on final expense policies.
Jake Molitor - State Farm Insurance Agent offers a full range of long‑term care insurance services, including policy selection guidance and assistance with claims filing. The agency provides ongoing policy maintenance, helping clients adjust coverage as their health or financial circumstances change. They serve individuals and families throughout the Kirkwood, Missouri area. Their long‑term care policies are designed for those seeking to protect assets while planning for future care needs. The agency services single‑family homes, apartments, retail properties, and restaurants in the surrounding region.
The Crismore Agency serves individuals and families in the Kirkwood, Missouri area who are planning for future healthcare needs. It specializes in helping clients navigate the complexities of long-term care insurance coverage. The agency guides customers in understanding policy options designed to protect assets and ensure access to necessary care. This work is especially valuable for those approaching retirement age. The Crismore Agency also extends its long-term care insurance services to clients in nearby communities throughout the Greater St. Louis metropolitan area, including Webster Groves.
Serving Kirkwood, Missouri, and the surrounding St. Louis communities, Farmers Insurance - Brody Jackson handles long-term care insurance policies designed to help manage the costs of extended custodial care. It assists clients by explaining how such coverage protects assets while offering flexibility for future care needs. The agency typically begins each job by reviewing current health and financial circumstances to clarify benefits and potential premiums, ensuring coverage aligns with individual retirement plans and family goals.
Kirk D Faubel Insurance Advisors provides long-term care insurance services in Kirkwood, Missouri. For those seeking financial strategies against care costs, the agency explains the difference between a one-time policy purchase and ongoing service plans that address changing health needs. Coverage typically includes care for chronic conditions requiring assistance at home or in a facility. Factoring in local and state costs, the agency helps clients evaluate benefit triggers and policy riders for comprehensive protection. This service runs on an as-needed basis for consultations, claims, and reviews.
Assisting with long-term care insurance planning, Hardy R Washington Jr - State Farm Insurance Agent provides specialized coverage solutions for Kirkwood clients preparing for future health and custodial needs. The agency also offers general insurance services tailored to local residents. By helping individuals structure policies that protect assets while qualifying for necessary care, it addresses concerns about depleting savings during retirement. This agent can be particularly helpful when families face the uncertainty of a sudden health decline requiring extended skilled nursing or home-based assistance.
As families in Kirkwood consider their financial futures during open enrollment season, the need for coverage that protects savings from extended care costs becomes clear. Kalender & Associates LLC American Family Insurance assists local residents by assessing their long-term care insurance options according to their specific health and retirement plans. The agent reviews available policy structures that cover nursing home stays, assisted living, or home-based care. A thorough initial consultation is scheduled to evaluate each client’s personal situation and begin determining appropriate coverage levels.
John Cleary: Allstate Insurance provides long-term care insurance planning for individuals in and around Kirkwood, MO. The agency specializes in policies that help cover the costs of assisted living facilities, nursing homes, and in-home care services. These policies are designed to protect savings and family assets against the significant expenses of extended care. John Cleary can serve clients including office professionals, warehouse and distribution centers, and food service providers seeking to secure their financial future.
Koury Insurance Agency provides residential long-term care insurance options to individuals in the Kirkwood, Missouri community. Commercial coverage is also available for local business concerns. The agency serves clients throughout the greater St. Louis area, helping them understand their protection needs for future care costs. Personalized consultations allow clients to review policy specifics and compare available plans. Contact the agency to adjust existing coverage or explore new options during periodic follow-up visits between regular check-ins.
Hashley Insurance Agency in Kirkwood, MO, is known for helping local families navigate the complexities of long-term care insurance. The agency assists clients in the greater St. Louis area with planning for future care needs. Its specialists review policies covering nursing home care, home health aides, and assisted living expenses. Each policy is tailored to the client’s personal financial situation. As a specialty service, the agency can coordinate Medicare supplement insurance add-on coverage to complement a long-term care plan.
What Does a a Long-Term Care Insurance Agent in Kirkwood Cost?
Long-term care insurance costs in Missouri vary by age, health, and policy features. A typical policy for a 55 year old might cost between 1,500 and 3,000 dollars per year. Premiums for a 65 year old often range from 2,500 to 5,000 dollars annually. Costs are lower for healthier individuals and for policies with shorter benefit periods. This is general information and not insurance advice.
About long-term care insurance agents in Kirkwood
Long-term care insurance agents in Kirkwood, Missouri help residents plan for future care costs. Missouri offers a state partnership program that allows policyholders to protect assets equal to the benefits paid. An agent can explain how these policies work with local care facilities and Medicaid planning.
Frequently Asked Questions
What does a long-term care insurance agent in Kirkwood 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 help you understand Missouri specific rules like the partnership program.
How do I choose a long-term care insurance agent in Kirkwood?
Look for an agent licensed in Missouri with experience in long-term care insurance. Ask about their knowledge of Missouri partnership policies and local care costs. Verify their license through the Missouri Department of Insurance.
What is the Missouri long-term care partnership program?
The Missouri Long-Term Care Partnership Program allows you to protect assets equal to the benefits your policy pays. This means if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. An agent can explain how this works for your situation.
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