The top-rated long-term care insurance agent in Nutley, New Jersey is Esposito Insurance Group, rated 4.9 stars across 66 reviews. Other highly rated options include James Alonso - State Farm Insurance Agent, Renee Friscia - State Farm Insurance Agent, Farmers Insurance - Nancy DeLima. This directory lists 10 long-term care insurance agents serving Nutley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Esposito Insurance Group | 89 Franklin Ave Suite 200 | (973) 284-1083 |
| 2 | James Alonso - State Farm Insurance Agent | 664 Franklin Ave | (973) 447-4202 |
| 3 | Renee Friscia - State Farm Insurance Agent | 146 Franklin Ave | — |
| 4 | Farmers Insurance - Nancy DeLima | 393 Centre St | (973) 667-5451 |
| 5 | Gary Vivinetto: Allstate Insurance | 359 Centre St | (973) 661-2886 |
| 6 | Strategic Insurance Partners | 492 Franklin Ave | (973) 667-2600 |
| 7 | Slick Guard Insurance NJ | 485 Franklin Ave | (973) 291-2286 |
| 8 | New York Life | 661 Franklin Ave | (973) 667-7338 |
| 9 | D/B/A Esposito Insurance Group | 89 Franklin Ave Ste 300 | (973) 284-1083 |
| 10 | Park Insurance Associates | 492 Franklin Ave #1 | (973) 235-1562 |
What Does a a Long-Term Care Insurance Agent in Nutley Cost?
Long-term care insurance costs vary based on age, health, and policy features. In New Jersey, a typical annual premium for a 55-year-old might range from $1,500 to $3,000 for a basic policy. Costs can be higher for richer benefits or older applicants. This is general information, not insurance advice.
About long-term care insurance agents in Nutley
Long-term care insurance agents in Nutley, New Jersey help residents plan for future care needs. These agents can explain policies that may qualify under the New Jersey Partnership for Long-Term Care program, which offers asset protection for state residents. Local agents understand the specific regulations and costs in Essex County.
Frequently Asked Questions
What does a long-term care insurance agent in Nutley do?
An agent helps you compare policies from different insurers. They explain coverage options, benefit periods, and inflation protection. They also guide you on how a policy might work with New Jersey Medicaid rules.
Does New Jersey have special rules for long-term care insurance?
Yes. New Jersey offers the Partnership for Long-Term Care program. This program lets you keep some assets if you later need Medicaid, as long as your policy meets state standards. An agent can explain if a policy qualifies.
How do I choose a long-term care insurance agent in Nutley?
Look for an agent licensed in New Jersey with experience in long-term care products. Ask about their familiarity with the Partnership program. Check their reputation with the New Jersey Department of Banking and Insurance.
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