The top-rated long-term care insurance agent in Bartlett, Tennessee is Lofton Wells Insurance, rated 4.8 stars across 196 reviews. Other highly rated options include McDonald Insurance & Financial Services, Trey Clemens - State Farm Insurance Agent, Ruby Williams - State Farm Insurance Agent. This directory lists 19 long-term care insurance agents serving Bartlett.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lofton Wells Insurance | 6187 Stage Rd | (901) 377-7935 |
| 2 | McDonald Insurance & Financial Services | 5820 Stage Rd | (901) 385-1234 |
| 3 | Trey Clemens - State Farm Insurance Agent | 2919 Elmore Park Rd Suite 3 | (901) 755-4172 |
| 4 | Ruby Williams - State Farm Insurance Agent | 7140 US-64 Ste 118 | (901) 388-0000 |
| 5 | James Garcia: Allstate Insurance | 6490 Memphis Arlington Rd #110 | (901) 381-4747 |
| 6 | Volner Financial Group, Inc. | 2854 Stage Center Dr | (901) 385-1200 |
| 7 | Gregory Lawrence: Allstate Insurance | 2768 Bartlett Blvd | (901) 388-8220 |
| 8 | Mark A Hardin - State Farm Insurance Agent | 3098 Kirby Whitten Rd | (901) 388-0822 |
| 9 | Kellon Insurance Agency, Inc. | 2951 Elmore Park Rd | (901) 386-2400 |
| 10 | Person Insurance Agency | 8046 N Brother Blvd | (901) 286-1576 |
Lofton Wells Insurance serves the Bartlett, Tennessee area, offering professional guidance for individuals seeking long-term care insurance coverage. This agency helps clients navigate the complexities of planning for future care needs, providing information on policy options that protect assets and ensure access to necessary services. Long-term care insurance agents in this region assist with evaluating benefit structures and coordinating solutions that address potential health challenges in later years. The company supports clients with both traditional long-term care policies and hybrid life insurance products that incorporate care benefits.
McDonald Insurance & Financial Services serves individuals and families in the Bartlett, Tennessee area who are planning for their future long-term care needs. The agency assists clients in exploring coverage options designed to help protect assets and manage the costs of extended care services. Typical customers include homeowners, retirees, and those approaching retirement who seek to address potential assisted living or in-home care expenses. The agency also provides its services to residents in Memphis and the broader Shelby County region.
Trey Clemens - State Farm Insurance Agent in Bartlett, TN provides long-term care insurance solutions, distinguishing between one-time policy consultations and ongoing coverage management. These plans help individuals prepare for future care needs, whether in-home assistance, assisted living, or nursing facility costs. The agent works to explain benefit structures and premium options, tailoring policies to different financial situations and health histories. Service is available on an as-needed basis, arranged for initial policy setup, periodic policy reviews, or when a client files a claim.
Serving Bartlett, Tennessee, and the surrounding Memphis-area communities, Ruby Williams - State Farm Insurance Agent handles long-term care insurance policies. This coverage addresses the substantial costs of extended custodial care, protecting retirement savings from expenses not covered by standard health insurance. The agency works directly with clients to review personal financial situations and health factors. A typical job is approached by assessing individual needs and then comparing available policy features to match a long-term care plan with a client's future care preferences.
James Garcia: Allstate Insurance provides long-term care insurance planning services to individuals and families in the Bartlett, TN area. The company assists clients in understanding policy options to cover future care needs, including nursing home, assisted living, and in-home care expenses. Routine policy reviews and claims guidance help ensure coverage remains aligned with changing circumstances. The agency services single-family homes, apartments, retail businesses, and local restaurants.
Volner Financial Group, Inc. specializes in helping clients select long-term care insurance policies that cover nursing home stays, assisted living, and home health care. A local agency serving Bartlett, Tennessee, it guides individuals through plan comparisons, benefit structures, and the application process. The firm addresses common concerns such as the financial strain of extended care and policy options for preserving retirement savings. As winter approaches, it assists families with planning for seasonal health risks that may lead to unexpected long-term care needs.
Gregory Lawrence: Allstate Insurance provides guidance on long-term care insurance packages designed to protect financial assets. The agency specializes in structuring these policies to address future care needs through customized coverage options. It assists individuals in the Bartlett area with planning for assisted living or home health care expenses. The company routinely works with commercial clients in varying sectors, such as offices, warehouses, and food service establishments.
As families in Bartlett plan for future health needs, long-term care insurance provides essential financial protection. Mark A Hardin - State Farm Insurance Agent offers personalized consultations to help residents evaluate their coverage options and build a strategy for extended care costs. This agent works directly with individuals to explain different policy features, including benefit periods and daily coverage amounts. Regular policy reviews can adjust plans as personal circumstances change or as local care costs shift. A complete initial assessment of current assets and potential future care requirements begins each new client relationship.
Kellon Insurance Agency, Inc. in Bartlett, TN, focuses on long-term care insurance to help clients plan for future extended care needs. It serves local families and individuals by offering policies that cover home care, assisted living, or nursing home stays. The agency works to protect personal assets while ensuring access to quality care. It also provides compatible options such as life insurance or annuity packages to coordinate with a long-term care plan.
What Does a a Long-Term Care Insurance Agent in Bartlett Cost?
Long-term care insurance premiums in Tennessee vary widely based on age, health, benefit amount, and policy features. A typical policy for a healthy 55-year-old in Bartlett might cost between $1,500 and $3,000 per year for a $150 daily benefit with three years of coverage. Premiums can be higher for older applicants or those with health conditions. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About long-term care insurance agents in Bartlett
A long-term care insurance agent in Bartlett Tennessee can help you navigate policy choices to protect your assets and future care needs. Tennessee offers a Partnership for Long-Term Care program that allows policyholders to qualify for Medicaid asset protection. Agents in Bartlett understand local senior care costs and can match you with suitable plans from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Bartlett do?
A long-term care insurance agent in Bartlett helps you compare policies from different companies and explains coverage options like home care, assisted living, and nursing home benefits. They assess your financial situation and health history to recommend a plan that fits your budget and needs. Agents also guide you through Tennessee specific rules such as the Partnership program and rate stability requirements.
How do Tennessee laws affect long-term care insurance policies?
Tennessee requires insurers to offer inflation protection options and a 30-day free look period for policy cancellation. The state also mandates that policies cannot deny coverage for pre-existing conditions after six months of continuous coverage. Agents must follow Tennessee Department of Commerce and Insurance regulations when selling policies.
What is the Tennessee Partnership for Long-Term Care program?
The Tennessee Partnership for Long-Term Care is a state program that lets policyholders keep assets equal to the benefits paid by their policy if they later need Medicaid. This means your policy can help you qualify for Medicaid without spending down all your savings. A Bartlett agent can explain how Partnership policies work and whether they are right for you.
Long-Term Care Insurance Agents in Other Tennessee Cities
Brentwood · Bristol · Chattanooga · Clarksville · Cleveland · Collierville · Columbia · Cookeville · Franklin · Gallatin · Germantown · Hendersonville · Jackson · Johnson City · Kingsport