The top-rated long-term care insurance agent in Middletown, Rhode Island is AAA Middletown, rated 4.6 stars across 216 reviews. Other highly rated options include Carey, Richmond & Viking Insurance, Hilb Group, KVT Insurance LLC. This directory lists 12 long-term care insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Middletown | 49 E Main Rd | (401) 841-5000 |
| 2 | Carey, Richmond & Viking Insurance | 2 Corporate Pl Suite 306 | (401) 683-3900 |
| 3 | Hilb Group | 500 W Main Rd | (401) 847-5200 |
| 4 | KVT Insurance LLC | 2 Corporate Pl | (401) 849-8502 |
| 5 | Aquidneck Island Insurance | 702 Aquidneck Ave #18 | (401) 354-2172 |
| 6 | New Insurance Agency RI | 674 Aquidneck Ave | (401) 859-4140 |
| 7 | The SIG Insurance Agencies: Middletown, Rhode Island | 999 West Main Street | (401) 849-4100 |
| 8 | LPL Financial | James Crosson | 809 Aquidneck Ave | (508) 672-7500 |
| 9 | Newport Insurance Agency | 460 E Main Rd | (401) 619-1660 |
| 10 | Prudential | Tony Kutsaftis | Life Insurance & Annuities | 702 Aquidneck Ave | (401) 848-0720 |
AAA Middletown serves Newport County and the surrounding Rhode Island area as a long-term care insurance agency. The company assists local residents in understanding policies that cover home health aides, assisted living, and nursing home expenses. It explains how such coverage can protect personal savings from the high cost of extended care. Clients receive guidance on selecting plan options that address their future needs. The agency handles policy applications and coordinates with clients to assess their potential care scenarios.
Carey, Richmond & Viking Insurance provides guidance on long-term care insurance coverage for individuals and families in the Middletown area. The agency helps clients navigate policy options to plan for future care needs, including home care and facility care. They offer ongoing policy reviews to adjust coverage as circumstances change. In addition, the firm assists with understanding benefit triggers and filing claims when necessary. Their services are designed to support a range of residential and commercial property types, including single-family homes, apartments, retail spaces, and restaurants.
Serving homeowners and individuals planning for future care needs, Hilb Group in Middletown, RI assists clients with long-term care insurance policies. The company helps customers evaluate coverage options to protect assets and manage potential expenses related to extended medical or personal care. Its guidance focuses on finding appropriate plans for retirement and financial security. Hilb Group also provides its advisory services to residents in surrounding Newport County and the greater Aquidneck Island area.
KVT Insurance LLC serves Middletown, Rhode Island and the surrounding Newport County communities. The company handles specialized long-term care insurance policies, which help clients plan for future custodial or extended care needs. It evaluates each client’s personal financial situation and health considerations to recommend appropriate coverage options. For a typical job, the agency first conducts a thorough needs assessment, then coordinates policy comparisons with several carriers to present suitable solutions.
Aquidneck Island Insurance in Middletown, RI, helps clients navigate the difference between purchasing a single long-term care policy for immediate protection and arranging periodic policy reviews to adjust coverage as needs change. They explain how these insurance plans cover services such as nursing home care, assisted living, and home health aides. Their support for selecting and managing policies runs on a scheduled basis.
New Insurance Agency RI specializes in long-term care insurance, providing coverage guidance for individuals planning for future health needs. The agency supports clients in the Middletown area by offering policy information, comparing plan options, and explaining benefit structures. It helps people understand how long-term care insurance works in combination with personal savings and family caregiving. As winter approaches, the agency frequently assists families in reviewing policies to ensure coverage aligns with potential seasonal health events or increased care requirements.
As the colder months settle over coastal Rhode Island, discussions about future health and residence needs often intensify for local seniors. The SIG Insurance Agencies in Middletown responds by providing focused long-term care insurance agent services for residents seeking private coverage options. Clients can explore policies designed to address potential assisted living and nursing home costs, with resources specific to the community. A comprehensive initial financial assessment and personal needs evaluation is conducted during the first consultation appointment to clarify suitable plan options.
LPL Financial | James Crosson serves individuals and families in the Middletown, RI area by helping them plan for the financial challenges of aging. As a long-term care insurance agent, the practice specializes in guiding clients through options for covering extended care needs, including in-home assistance and facility-based services. This support can be particularly relevant for those managing offices, warehouses, and food service operations.
Newport Insurance Agency, based in Middletown, RI, is known for helping clients plan for future care needs through long-term care insurance. The agency offers guidance on policies that cover nursing home, home health aide, and assisted living expenses. Clients work with agents to compare coverage options and determine appropriate benefit periods and daily benefit amounts based on personal financial goals. The agency can also provide policy reviews to coordinate long-term care benefits with existing retirement savings strategies.
Prudential | Tony Kutsaftis | Life Insurance & Annuities provides long-term care insurance to residents of Middletown, Rhode Island. The agency also offers commercial coverage for businesses in the local area and surrounding communities seeking to protect assets. Standard long-term care insurance services in this region help clients plan for future health and daily living needs. Clients often return for policy adjustments or to schedule regular reviews of their current coverage.
What Does a a Long-Term Care Insurance Agent in Middletown Cost?
The cost of long-term care insurance in Rhode Island depends on your age, health, benefit amount, and policy features. For a 55-year-old, annual premiums typically range from $1,500 to $3,000 for a policy with a $150 daily benefit and a three-year benefit period. Costs increase significantly for older applicants or those with health conditions. This is general information and not insurance advice.
About long-term care insurance agents in Middletown
Long-term care insurance agents in Middletown, Rhode Island help residents plan for future care needs such as nursing home or home health aide services. Rhode Island offers a state partnership program that allows policyholders to protect some assets while qualifying for Medicaid. Agents in this area guide clients through policy options that comply with Rhode Island insurance regulations.
Frequently Asked Questions
What does a long-term care insurance agent in Middletown do?
A long-term care insurance agent helps you compare policies from different carriers to find coverage that fits your budget and needs. They explain benefit triggers, elimination periods, and inflation protection options. The agent also ensures the policy meets Rhode Island state requirements for partnership program eligibility.
Does Rhode Island have a long-term care partnership program?
Yes, Rhode Island participates in the Long-Term Care Partnership Program. This program lets policyholders keep a portion of their assets equal to the benefits paid by their insurance policy when they later apply for Medicaid. An agent can help you choose a partnership-qualified policy that meets state standards.
Are there any Rhode Island tax incentives for long-term care insurance?
Rhode Island offers a state income tax deduction for premiums paid on qualified long-term care insurance policies. The deduction amount varies by age and is subject to federal limits. An agent can explain how this deduction applies to your specific tax situation.
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