The top-rated long-term care insurance agent in West Fargo, North Dakota is Ryan Kill - State Farm Insurance Agent, rated 4.9 stars across 546 reviews. Other highly rated options include Renee Forde - State Farm Insurance Agent, Linster Agency, LLC, Absolute Insurance Agency, LLC. This directory lists 14 long-term care insurance agents serving West Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Kill - State Farm Insurance Agent | 540 Oak Ridge Way E | (701) 893-3000 |
| 2 | Renee Forde - State Farm Insurance Agent | 3139 Bluestem Dr Ste 104 | (701) 280-2811 |
| 3 | Linster Agency, LLC | 158 W Beaton Dr Suite 200 | (701) 781-2546 |
| 4 | Absolute Insurance Agency, LLC | 1241 Prairie Pkwy Suite 120 | (701) 365-0515 |
| 5 | COUNTRY Financial - Cody Walton Agency | 3275 Oak Ridge Loop E | (701) 353-6069 |
| 6 | Ihry Insurance Agency, Inc. | 1291 13th Ave E | (701) 557-1727 |
| 7 | Tci Insurance Agency, Inc. | 158 W Beaton Dr #100 | (701) 277-1710 |
| 8 | Fredrick Hage: Allstate Insurance | 3163 Bluestem Dr Ste 105 | (701) 566-5575 |
| 9 | Integrity First Insurance | 213 1/2 Main Ave E | (701) 532-1123 |
| 10 | Chris Heise Agency Inc American Family Insurance | 722 13th Ave E | (701) 293-0798 |
Ryan Kill - State Farm Insurance Agent serves the West Fargo metro area as a local long-term care insurance agent. The agency assists clients in the Fargo-Moorhead region with understanding their long-term care coverage options for future health needs. This office helps individuals plan for expenses related to extended nursing home stays or assisted living. Consultations here focus on matching policy features to personal financial situations and age. The agent handles both traditional long-term care policies and hybrid life insurance plans with a long-term care rider.
Renee Forde - State Farm Insurance Agent in West Fargo, ND, provides long-term care insurance services, including policy selection assistance and coverage reviews. The agent offers ongoing service through policy maintenance, helping clients update plans as their needs change. Long-term care insurance supports individuals planning for future care costs, such as in-home assistance or nursing facility stays. The agent services single-family homes, apartments, retail, and restaurants within the local area.
Linster Agency, LLC serves families and individuals in West Fargo, North Dakota who are planning for potential long-term care needs. As a long-term care insurance agent, the company helps clients evaluate policy options that cover costs associated with extended care, whether received at home or in a facility. The agent guides them through the selection process, explaining coverage limits and benefit periods. Linster Agency also provides its services to residents in the larger Fargo-Moorhead metropolitan area.
Absolute Insurance Agency, LLC serves clients in West Fargo, North Dakota, and the surrounding Red River Valley communities. The agency handles long-term care insurance policies designed to help individuals cover the costs of extended care, whether at home, in an assisted living facility, or in a nursing home. To handle a typical job, the agency begins with a thorough consultation to assess a client’s potential future care needs and financial situation, then reviews multiple policy options to recommend a suitable plan.
Assisting individuals with long-term care planning involves clarifying the difference between one-time policy evaluations and recurring reviews that adapt to changing needs. As a long-term care insurance agent in West Fargo, ND, COUNTRY Financial - Cody Walton Agency helps clients understand coverage options designed to protect assets and manage future care expenses. This professional service assists with comparing plans from different carriers to find suitable protection. Service runs on a scheduled basis, allowing for periodic policy updates and adjustments as personal circumstances evolve.
Ihry Insurance Agency, Inc. provides long-term care insurance agent services for individuals planning for future health needs. The agency helps clients in the West Fargo, ND area understand options for covering extended care costs, whether for in-home assistance or nursing facility stays. It offers guidance on how such policies can protect retirement savings from unexpected medical expenses. As cold and ice increase fall risks during North Dakota winters, the agency can assist with reviewing coverage to address potential recovery needs from a mobility-related accident.
As winter approaches in West Fargo, many residents consider how to safeguard their savings from the rising costs of extended care. Tci Insurance Agency, Inc. helps local families evaluate long-term care insurance policies tailored to cover in-home assistance or skilled nursing expenses. Licensed agents review policy structures and discuss benefit triggers for degenerative conditions. An initial assessment of current assets, family health history, and desired coverage duration typically begins with a complementary consultation visit. This step identifies whether a hybrid or traditional plan best fits the client’s financial landscape.
Fredrick Hage: Allstate Insurance assists individuals and families with financial planning for future care needs. The agency specializes in long-term care insurance agent services for the West Fargo, ND area. These policies address the costs of extended care services that are not covered by standard health coverage. Clients typically consider these options when preparing for retirement or unexpected medical events. This long-term care insurance agent can serve offices, warehouses, and food service businesses.
Integrity First Insurance assists West Fargo residents with securing long-term care coverage tailored to individual needs and future planning. As a local agency, they also provide commercial insurance options for area businesses. Their service extends throughout the broader West Fargo region and surrounding Cass County communities. The agency maintains ongoing contact with clients, offering follow-up and repeat service between regular annual policy reviews or when coverage changes occur.
Chris Heise Agency Inc American Family Insurance, based in West Fargo, ND, is known for providing long-term care insurance solutions to local residents. Its service range includes helping clients plan for future personal care needs through tailored coverage options. The agency assists individuals in understanding how such policies can protect assets and reduce family financial burden. A specialty service it offers is integrating long-term care plans with life insurance products to create flexible benefits for policyholders.
What Does a a Long-Term Care Insurance Agent in West Fargo Cost?
Long-term care insurance premiums in North Dakota vary by age, health, and coverage amount. For a 55 year old, a typical policy might cost 1,500 to 3,000 dollars per year. For a 65 year old, costs can range from 2,500 to 5,000 dollars annually. These are estimates and actual costs depend on your specific case. This is general information and not insurance advice.
About long-term care insurance agents in West Fargo
Long-term care insurance agents in West Fargo, North Dakota help residents plan for future care needs. North Dakota offers a Long-Term Care Partnership Program that allows policyholders to protect assets while qualifying for Medicaid. Agents can explain how this program works with local regulations and coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in West Fargo do?
An agent helps you compare policies from different insurance companies. They explain coverage for nursing home care, home health care, and assisted living. They also guide you on North Dakota specific rules like the 90 day elimination period requirement.
Is long-term care insurance required in North Dakota?
No, long-term care insurance is not required by law in North Dakota. However, it can help protect your savings if you need extended care. The North Dakota Department of Insurance regulates all policies sold in the state.
How does the North Dakota Long-Term Care Partnership Program work?
This program lets you keep assets equal to the benefits your policy pays out if you later need Medicaid. For example, if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets. An agent can explain how this applies to your situation.
Long-Term Care Insurance Agents in Other North Dakota Cities
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