The top-rated long-term care insurance agent in East Brunswick, New Jersey is Rick Duran - State Farm Insurance Agent, rated 5.0 stars across 1,045 reviews. Other highly rated options include Alex Escobar - State Farm Insurance Agent, Rosemarie Levine - State Farm Insurance Agent, AAA East Brunswick Car Care Insurance Travel Center. This directory lists 12 long-term care insurance agents serving East Brunswick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rick Duran - State Farm Insurance Agent | 27 W Prospect St | (732) 257-5796 |
| 2 | Alex Escobar - State Farm Insurance Agent | 740 NJ-18 | (732) 238-3331 |
| 3 | Rosemarie Levine - State Farm Insurance Agent | 1200 Tices Ln Ste 103 | (732) 846-0200 |
| 4 | AAA East Brunswick Car Care Insurance Travel Center | 260 NJ-18 | (732) 955-9010 |
| 5 | Shawn Burke: Allstate Insurance | 385 NJ-18 STE B | (732) 257-1122 |
| 6 | Midland Insurance Agency, Inc. | 573 Cranbury Rd STE A3 | (347) 705-7912 |
| 7 | Raritan Agency Inc | 754 NJ-18 | (732) 238-6060 |
| 8 | Safe insurance co | 1 Tower Center Blvd # 16 | (732) 426-3460 |
| 9 | ShieldPros Insurance Agency | 755 NJ-18 | (732) 305-8542 |
| 10 | Safe Path Insurance NJ | 708 NJ-18 | (732) 305-8985 |
Rick Duran - State Farm Insurance Agent serves the Marlboro Township, New Jersey area, offering long-term care insurance coverage to local residents. This financial product helps individuals plan for costs associated with extended care needs that are not typically covered by standard health insurance. As a local agent, the company provides personalized guidance through policy selection and application details. The office handles plan comparisons and individual needs assessments to support clients in securing appropriate long-term care protection.
Alex Escobar - State Farm Insurance Agent in East Brunswick, NJ provides a range of long-term care insurance services focused on protecting assets and covering future care needs. Their service plans typically include policy review consultations to ensure coverage aligns with changing health circumstances and financial goals. Maintenance services involve updating beneficiaries and coordinating with clients' financial advisors. The agency serves homeowners, apartment residents, and individuals working in retail and restaurant businesses, helping them prepare for potential assisted living or in-home care expenses.
Rosemarie Levine - State Farm Insurance Agent serves homeowners and business owners in East Brunswick, New Jersey who are planning for future care needs. The agency provides long-term care insurance policies designed to help cover costs associated with assisted living, nursing home stays, or in-home care services. These insurance plans aim to protect personal savings and assets from being depleted by extended periods of care. The agency also assists clients in nearby communities such as North Brunswick and South River.
AAA East Brunswick Car Care Insurance Travel Center serves the Middlesex County area from its East Brunswick, New Jersey location. As a long-term care insurance agent, the company helps clients navigate policies that cover extended care needs not typically paid by standard health plans. This includes assistance with assessing personal coverage options for home health aides, assisted living facilities, and nursing home stays. The agency also handles applications for individual long-term care plans and coordinates benefit consultations for local residents.
Shawn Burke: Allstate Insurance serves East Brunswick, New Jersey, and the surrounding Middlesex County communities, handling long-term care insurance policies designed to help individuals cover the costs of assisted living, nursing home care, and home health services. These policies aim to protect retirement savings and personal assets from the high expenses of extended care. The company works closely with each client to evaluate their current health and financial situation, then recommends appropriate coverage levels based on their individual needs.
Midland Insurance Agency, Inc. in East Brunswick, NJ helps clients distinguish between a one-time policy purchase and recurring premium payments required to maintain coverage. Their work focuses on explaining long-term care insurance, which offers financial protection for nursing home, assisted living, and in-home care expenses. As a local agent, they guide individuals through benefit triggers, elimination periods, and inflation protection options. Service to clients for inquiries and policy reviews runs on an as-needed basis.
Raritan Agency Inc specializes in helping individuals plan for long-term care needs, offering policies designed to cover in-home care, assisted living, and nursing home services. Based in East Brunswick, NJ, the company works one-on-one with clients to explain coverage options that protect assets and provide financial security during aging. It also reviews existing plans to ensure they align with changing health needs or family situations. As open enrollment periods approach, the agency helps clients evaluate more affordable monthly premiums before rate adjustments occur.
As winter approaches, many East Brunswick families begin considering how to protect assets against the rising costs of extended care. Safe insurance co provides focused guidance on long-term care insurance policies, helping residents navigate coverage options for home care, assisted living, or nursing facilities. With a location based in the community, the agency assists clients in understanding policy features. The initial step involves a personalized needs assessment to evaluate potential future care requirements.
ShieldPros Insurance Agency works with individuals and families to evaluate their future care needs and financial exposure in East Brunswick, New Jersey. The firm specializes in long-term care insurance policies, helping clients plan for nursing home stays, assisted living, and in-home care expenses. These plans are designed to protect personal savings and provide greater choice in care settings. Commercial services are available for various sectors, including professional offices, warehouses, and food service operations.
Safe Path Insurance NJ provides long-term care insurance consultation to residents in East Brunswick and the surrounding communities, covering suburban homes and local assisted living facilities for individual financial planning needs. Commercial coverage is also available for group policies within the greater Middlesex County service area. The agency advises on policy options for in-home care and nursing services. Clients often return for annual policy reviews and adjustments to their coverage plans between regular seasonal visits.
What Does a a Long-Term Care Insurance Agent in East Brunswick Cost?
The cost of long-term care insurance in New Jersey varies by age, health, and coverage level. For a 55-year-old, a typical policy with a $165 daily benefit and 3-year benefit period may cost between $1,500 and $3,000 per year. Premiums increase with age and can rise over time due to rate adjustments. This is general information, not insurance advice.
About long-term care insurance agents in East Brunswick
Long-term care insurance agents in East Brunswick, New Jersey help residents plan for future care needs, including home care, assisted living, and nursing home expenses. New Jersey offers a Partnership for Long-Term Care program that allows policyholders to protect assets while qualifying for Medicaid. Agents can guide you through policies that comply with state regulations and meet your budget.
Frequently Asked Questions
What does a long-term care insurance agent in East Brunswick do?
A long-term care insurance agent helps you compare policies from multiple insurers to find coverage that fits your needs and budget. They explain policy features like benefit periods, elimination periods, and inflation protection. Agents also help you understand how New Jersey law affects your coverage options.
Is long-term care insurance tax deductible in New Jersey?
Long-term care insurance premiums may be tax deductible as a medical expense on your federal taxes if they exceed a certain percentage of your adjusted gross income. New Jersey does not offer a specific state tax deduction for these premiums, but benefits received from qualified policies are generally tax-free. Consult a tax professional for your specific situation.
What is the New Jersey Partnership for Long-Term Care?
The New Jersey Partnership for Long-Term Care is a program that lets you keep a portion of your assets equal to the benefits paid by your policy if you later need Medicaid. Policies must meet state standards and be purchased from a participating insurer. An agent can explain how this program works with your coverage.
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