The top-rated long-term care insurance agent in Rochelle Park, New Jersey is Bob Testa - State Farm Insurance Agent, rated 4.9 stars across 76 reviews. Other highly rated options include Victoria Mcmahon Croce, Bankers Life Agent and Bankers Life Securities Financial Representative, Bankers Life, Safeguard Agency Inc. This directory lists 17 long-term care insurance agents serving Rochelle Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bob Testa - State Farm Insurance Agent | 18 W Passaic St | (201) 342-7267 |
| 2 | Victoria Mcmahon Croce, Bankers Life Agent and Bankers Life Securities Financial Representative | 365 W Passaic St Ste 265 | (201) 270-1250 |
| 3 | Bankers Life | 365 W Passaic St Ste 265 | (201) 270-1250 |
| 4 | Safeguard Agency Inc | 139 Rochelle Ave | (551) 262-8434 |
| 5 | Carida Insurance Services | 365 W Passaic St # 435 | (551) 212-6618 |
| 6 | Andrew Sloane, Bankers Life Agent | 365 W Passaic St Ste 265 | (201) 270-1250 |
| 7 | John Hancock Life Insurance Co | 365 W Passaic St | (201) 843-1300 |
| 8 | Farmers Insurance - Edmund Lazzara | 156 W Passaic St | (201) 845-9500 |
| 9 | Isabella Malave, Bankers Life Agent | 365 W Passaic St Ste 265 | (201) 270-1250 |
| 10 | Erik Riley, Bankers Life Agent | 365 W Passaic St Ste 265 | (201) 270-1250 |
Bob Testa - State Farm Insurance Agent serves the Rochelle Park, New Jersey area and surrounding communities, with a focus on long-term care insurance solutions. This agency helps clients plan for future needs by offering policies that cover assisted living, nursing home care, and in-home support services. They assist individuals in navigating coverage options for daily living assistance and chronic condition management. The agency also handles policy details for Alzheimer's and dementia care plans.
Victoria McMahon Croce, Bankers Life Agent and Bankers Life Securities Financial Representative, provides long-term care insurance services in Rochelle Park, New Jersey. Her offerings include guidance on planning for extended medical needs and coordinating with other retirement coverage options. Maintenance of policies involves periodic reviews to adjust benefits as health needs or budget requirements change over time. Prospective clients can schedule consultations to evaluate how long-term care fits into their overall financial plan. The company services individuals residing in single-family homes, apartments, retail locations, and restaurants.
Serving Rochelle Park and the surrounding Bergen County communities, Bankers Life provides long-term care insurance guidance designed to help individuals prepare for future health-related needs. The agency handles policy research from a variety of carriers, focusing on suitable coverage options for aging clients. It assists with analysis of benefit triggers and elimination periods to match local care costs in New Jersey. For each case, it begins with a detailed review of personal financial resources before recommending a policy structure.
Safeguard Agency Inc serves individuals and families in Rochelle Park, New Jersey who are planning for future long-term care needs. As a long-term care insurance agent, the agency helps clients explore policies that can cover assisted living, nursing home stays, and home health care costs. This type of planning aims to protect personal assets from the high expenses of extended care. The company also extends its services to clients throughout Bergen County and into nearby parts of the northern New Jersey metro area, including communities such as Paramus.
Carida Insurance Services serves Rochelle Park, New Jersey, and the surrounding Bergen County communities, handling long-term care insurance for local residents. It assists clients in understanding policy options that cover in-home care, assisted living, and nursing facility expenses. The agency also addresses Medicare complexities and asset protection strategies relevant to care planning. To handle a typical job, it reviews each client’s financial situation and health factors before comparing policies from multiple carriers to recommend appropriate coverage.
Andrew Sloane, Bankers Life Agent in Rochelle Park, NJ, advises clients on the difference between one-time immediate-need policies and recurring premium plans that build value over time. Long-term care insurance covers expenses for nursing homes, assisted living, and in-home personal care services in the region. This agent helps individuals assess their age and health to find suitable protection for future assistance. Service is offered on an as-needed basis, with appointments scheduled when clients require a policy review or a new plan discussion.
As local families consider how to fund potential extended care needs during the colder months, John Hancock Life Insurance Co in Rochelle Park, NJ, provides long-term care insurance policies that help cover the costs of assisted living or home health services. The agency works with residents to evaluate their assets and health history before recommending an appropriate plan. An initial in-person consultation is typically scheduled to review coverage options and begin the assessment process.
Farmers Insurance - Edmund Lazzara in Rochelle Park, NJ, specializes in long-term care insurance agent services for individuals planning for future health needs. The company provides general insurance guidance regarding coverage options that help protect assets and ensure access to extended care. Many local residents seek professional advice from this agency when navigating the complexities of nursing home, assisted living, or home health care costs. As retirement approaches, it assists clients in addressing the financial risks associated with chronic illness or disability during later years.
Isabella Malave, Bankers Life Agent provides financial guidance for individuals and families in Rochelle Park, NJ, focusing on protection and wealth management strategies. A core service is long-term care insurance, which helps cover the costs of extended custodial care not paid by standard health plans. Client consultations explore personalized options to address potential future needs. This agency serves clients planning for their own retirement security as well as those managing care for older relatives. Commercial sectors it can serve include offices, warehouses, and food service businesses seeking employee benefit solutions.
Erik Riley, Bankers Life Agent provides long-term care insurance services to residents in Rochelle Park, NJ. In addition to residential planning, the agent also offers coverage options for commercial clients in the broader local area as their needs arise. Such insurance support helps individuals and businesses prepare for potential future care expenses with appropriate policy plans. Clients often schedule follow-up consultations between regular visits to review changing coverage requirements as personal circumstances evolve.
What Does a a Long-Term Care Insurance Agent in Rochelle Park Cost?
In New Jersey, long-term care insurance premiums vary widely based on age, health, and coverage level. A typical policy for a 55-year-old might cost between $2,000 and $4,000 per year. For a 65-year-old, annual premiums often range from $3,500 to $6,000. Costs are higher for richer benefits like longer benefit periods or higher daily amounts. This is general information and not insurance advice.
About long-term care insurance agents in Rochelle Park
Long-term care insurance agents in Rochelle Park, New Jersey help residents plan for future care needs. New Jersey offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits paid. Agents can explain how this state-specific program works with private insurance policies.
Frequently Asked Questions
What does a long-term care insurance agent in Rochelle Park do?
An agent helps you compare policies from multiple carriers and explains coverage options. They can also advise on New Jersey Partnership policies and how they interact with Medicaid eligibility.
How does New Jersey law affect long-term care insurance?
New Jersey requires insurers to offer inflation protection and nonforfeiture benefits. The state also has a Partnership program that lets policyholders keep assets equal to the benefits paid if they later apply for Medicaid.
What should I look for in a long-term care insurance policy in New Jersey?
Look for policies with inflation protection, a benefit period of at least three years, and a daily benefit that covers local care costs. Also check if the policy is a New Jersey Partnership qualified plan for asset protection.
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