The top-rated long-term care insurance agent in Lakewood, New Jersey is PRIME Insurance Agency, rated 4.9 stars across 357 reviews. Other highly rated options include Cosmo Insurance Agency, Sterling Property and Casualty, Stonebrook Insurance Group. This directory lists 18 long-term care insurance agents serving Lakewood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PRIME Insurance Agency | 960 E County Line Rd | (732) 886-5751 |
| 2 | Cosmo Insurance Agency | 1600 Ave of the States #408 | (732) 363-3888 |
| 3 | Sterling Property and Casualty | 20 4th St Suite 211 | (732) 730-7130 |
| 4 | Stonebrook Insurance Group | 500 River Ave Suite 230 | (732) 905-4100 |
| 5 | Ben Goldfischer: Allstate Insurance | 300 Main St | (732) 719-4050 |
| 6 | Shimshon Lowy Independent Long-Term Care Insurance Professional (LTCInsured.com) & Reverse Mortgage expert | 200 Boulevard of the Americas Suite 103 | (732) 886-7410 |
| 7 | Diamant & Associates | 1700 Ave of the States Suite 401 | (732) 276-5089 |
| 8 | Wilhelm | 699 Cross St #1 | (732) 961-1551 |
| 9 | 65 and Ready | 1187 Coughlin St | (732) 497-2273 |
| 10 | Insurance Agency New Jersey | 1166 River Ave | (551) 273-4713 |
PRIME Insurance Agency serves the Lakewood, New Jersey, area, specializing in long-term care insurance guidance. The agency helps clients navigate policies designed to cover expenses for extended care needs, such as nursing homes or in-home assistance. Protecting assets and planning for future care costs are central to the services provided. The company assists individuals in comparing coverage options and evaluating policy features relevant to the local community. It specifically handles long-term care insurance needs for both individual policy evaluations and assistance with filing related claims.
Cosmo Insurance Agency in Lakewood, New Jersey, offers a full range of long-term care insurance services, including policy selection, coverage analysis, and benefits guidance. Its maintenance plans involve regular policy reviews to adjust for changing health care costs and inflation, ensuring coverage remains appropriate over time. The agency assists clients with claims and care coordination. It services single-family homes, apartments, retail businesses, and restaurants, helping both individuals and commercial property owners secure long-term care protection.
Serving homeowners and individuals across Lakewood, New Jersey, Sterling Property and Casualty offers long-term care insurance agent services. The agency helps clients explore policies that cover essential daily assistance and nursing care needs. Navigating the complexities of long-term care planning allows residents to protect future financial stability. This local firm understands the importance of balancing coverage options with personal budgets. Their work assists clients in preparing for potential care requirements while maintaining independence. The agency also serves the surrounding communities in Toms River and the greater Ocean County area.
Stonebrook Insurance Group serves clients in Lakewood, New Jersey and the surrounding Ocean County communities. The company focuses exclusively on long-term care insurance, helping individuals plan for future assistance with daily living needs such as bathing, dressing, and eating. As a long-term care insurance agent, it assists clients in understanding policy options that cover home care, assisted living, or nursing facility expenses. In handling a typical client situation, the agency first reviews personal health history and financial goals before presenting suitable policy choices from available carriers.
As a long-term care insurance agent, Ben Goldfischer: Allstate Insurance guides clients in selecting between comprehensive plans for extended custodial care and more limited policies for specific short-term needs. Coverage options address the high costs of nursing homes, assisted living, and home health aides, helping to protect personal savings and family assets during a health crisis. Service assistance typically runs on an as-needed basis for annual policy reviews, claims queries, and coverage modifications.
Shimshon Lowy Independent Long-Term Care Insurance Professional & Reverse Mortgage expert specializes in guiding Lakewood families through long-term care coverage and reverse mortgage solutions. The agency helps clients review policy options, understand benefit structures, and plan for future care needs based on individual circumstances. This work focuses on protecting assets while ensuring access to necessary services. As colder months increase the risk of falls and related care requirements, the agency assists seniors in securing plans that address sudden health changes and extended recovery periods.
As Lakewood residents begin planning for future healthcare costs, many seek guidance on long-term care insurance options. Diamant & Associates, located in Lakewood, New Jersey, serves as a local long-term care insurance agent helping clients understand their coverage needs. The company provides consultations on policy features and costs tailored to individual circumstances. An initial-assessment appointment typically reviews personal assets and health history before suggesting possible plan structures for the client.
Wilhelm provides guidance on long-term care insurance policies for individuals in Lakewood, New Jersey. The company specializes in helping clients plan for future care needs by explaining coverage options that protect savings and assets. It also offers consultations focused on policy types that address aging in place and facility costs. Wilhelm serves local commercial sectors including offices, warehouses, and food service operations that seek employee benefit education.
65 and Ready is known for helping clients in the Lakewood area evaluate their long-term care protection needs in a straightforward manner. The agency works with individuals to explain policy options designed to cover costs of extended care in various settings. It focuses on providing clear guidance through the often complex application and eligibility process. Many clients in the region seek its help to understand how coverage integrates with existing retirement plans. The agency can add on services to aid with Medicaid asset preservation planning.
What Does a a Long-Term Care Insurance Agent in Lakewood Cost?
Long-term care insurance premiums in New Jersey vary based on age, health, and coverage level. A typical policy for a 55-year-old may cost between 1,500 and 3,500 dollars per year. For a 65-year-old, annual premiums often range from 2,500 to 5,000 dollars. Costs are higher for comprehensive plans with inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Lakewood
A long-term care insurance agent in Lakewood, New Jersey can help you understand policies that cover home care, assisted living, and nursing home costs. New Jersey offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits paid. Working with a local agent ensures you get coverage that meets state regulations and your personal needs.
Frequently Asked Questions
What does a long-term care insurance agent in Lakewood do?
A long-term care insurance agent helps you compare policies from different insurers. They explain coverage options, costs, and how New Jersey rules affect your benefits. The agent does not provide legal advice but can guide you to licensed carriers.
How does New Jersey Partnership for Long-Term Care work?
This program lets you keep assets equal to the amount your policy pays out. For example, if your policy pays 100,000 dollars in benefits, you can protect 100,000 dollars of assets from Medicaid recovery. Only policies with a special endorsement qualify for this asset protection.
What is the age requirement for buying long-term care insurance in New Jersey?
You can purchase a policy at any age, but premiums are lower when you are younger and healthier. Many people buy coverage between ages 50 and 65. New Jersey law requires insurers to offer inflation protection and nonforfeiture benefits, which may affect your premium.
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