The top-rated long-term care insurance agent in Royse City, Texas is Kari Hargrave - State Farm Insurance Agent, rated 4.8 stars across 127 reviews. Other highly rated options include Farmers Insurance - Khristopher Vancil, Bob Ellis Insurance Services-Independent Insurance Agency, TWFG Caldwell Insurance. This directory lists 17 long-term care insurance agents serving Royse City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kari Hargrave - State Farm Insurance Agent | 109 W Main St A | (972) 635-9995 |
| 2 | Farmers Insurance - Khristopher Vancil | 5196 TX-276 | (214) 308-6508 |
| 3 | Bob Ellis Insurance Services-Independent Insurance Agency | 115 FM 2453, 2661 FM 35 C | (972) 636-9491 |
| 4 | TWFG Caldwell Insurance | 403 S Elm St | (972) 635-6772 |
| 5 | Terry Hayden: Allstate Insurance | 4864 TX-276 | (972) 722-0025 |
| 6 | Texas Farm Bureau Insurance - Chris Cromer | 7320 FM 35 | (972) 635-6464 |
| 7 | Fast Checker Insurance Agency | 4868 TX-276 | (972) 954-9071 |
| 8 | Farmers Insurance - Patrick Raines | 422 I-30 Ste I | (972) 722-7496 |
| 9 | Herald Insurance Group Medicare Plans | 512 Timberhaven Terrace | (214) 395-5011 |
| 10 | Ron Olson: Allstate Insurance | 118 E Main St #100 | (972) 636-7955 |
Kari Hargrave - State Farm Insurance Agent serves the Royse City, Texas area and provides long-term care insurance coverage options to local residents. This agency helps individuals plan for future needs by offering guidance on policies that address extended care costs. Services include answering questions about policy benefits and helping clients compare different plan features. The agency also assists with understanding how long-term care insurance integrates with other financial strategies. Specific services this location routinely handles include nursing home care coverage assistance and in-home care policy evaluations.
Farmers Insurance - Khristopher Vancil serves homeowners and families in Royse City, Texas, who are planning for future health care needs. As a long-term care insurance agent, the agency helps clients explore coverage options to protect assets and ensure access to necessary care. Their services include policy reviews and guidance on choosing plans that fit individual budgets and circumstances. This location provides support for long-term care insurance decisions throughout the surrounding area, including nearby Greenville.
TWFG Caldwell Insurance serves Royse City and the surrounding communities of northeastern Texas, handling long-term care insurance for local residents. This agency structures policies that cover care received at home, in assisted living facilities, or in nursing homes, helping individuals protect their savings from high care costs. For each client, the agency evaluates potential future needs and financial resources to recommend a plan that balances coverage with affordability. It typically begins this process by reviewing the client’s health history and current income to craft a suitable policy solution.
Terry Hayden: Allstate Insurance offers personalized long-term care insurance planning for residents of Royse City, TX, helping individuals secure coverage for future assisted living, nursing home, or in-home care needs. The agency also provides comprehensive guidance on policy options, ensuring clients understand benefit periods and inflation protection. Seasonal or situational concerns, such as adjusting coverage following a major health change or retirement, are addressed with clear explanations of waiting periods and policy limitations.
For policyholders considering financial protection, Texas Farm Bureau Insurance - Chris Cromer distinguishes between single-payment long-term care solutions and options involving recurring premium contributions, ensuring tailored coverage for future care needs in Royse City, TX. Comprehensive plans address facility-based or home-based support, helping manage expenses that standard health policies exclude. Service arrangements depend upon policyholder preference: support for initial enrollment may involve one-time consultations, while ongoing policy management adjusts to scheduled check-ins or as-needed requests for adjustments or claims assistance.
As North Texas summers raise concerns about aging parents and long-term care expenses, Fast Checker Insurance Agency in Royse City helps families evaluate their financial protection options. This local agency concentrates solely on long-term care insurance, guiding clients through policy choices that address assisted living, nursing home, or home health care costs. They explain the differences between traditional and hybrid policies, focusing on how each might fit a specific budget or health scenario. The process begins with a confidential review of current assets and desired coverage limits during an initial consultation.
Serving Royse City and the surrounding area, Farmers Insurance - Patrick Raines provides general insurance guidance along with a specialized focus on long-term care coverage. This agent helps clients plan for potential extended care needs arising from chronic illness, disability, or aging. The firm assists individuals in evaluating policy options to protect assets and ensure access to necessary support services. Farmers Insurance - Patrick Raines can serve local offices, warehouses, and food service operations with their insurance needs across these commercial sectors.
Located in Royse City, Texas, Herald Insurance Group Medicare Plans provides long-term care insurance agent services to local residents seeking financial protection for extended care needs. Commercial clients in the surrounding area can also rely on them for knowledgeable guidance on appropriate policies. They assist individuals and families in understanding coverage options that help preserve savings during periods of assisted living or home care. Clients often return for follow-up service between regular visits to adjust policy details as care requirements change over time.
What Does a a Long-Term Care Insurance Agent in Royse City Cost?
Long-term care insurance agent services in Texas typically do not charge a separate fee. Agents earn commissions from the insurance company, which are included in your premium. Policy premiums vary widely based on age, health, and coverage amount. For a 55-year-old in Texas, a policy may cost between 100 and 300 dollars per month. For a 65-year-old, costs often range from 200 to 500 dollars per month. This is general information, not insurance advice.
About long-term care insurance agents in Royse City
Long-term care insurance agents in Royse City, Texas help residents plan for future care needs. Texas law requires agents to hold a valid license and follow the Texas Insurance Code. Local agents can explain how Texas Partnership for Long-Term Care policies may help protect your assets.
Frequently Asked Questions
What does a long-term care insurance agent in Royse City do?
A long-term care insurance agent helps you compare policies from different companies. They explain coverage options, benefit amounts, and elimination periods. They also ensure the policy meets Texas state requirements.
Are there Texas-specific rules for long-term care insurance?
Yes, Texas has a 30-day free look period where you can cancel a policy for a full refund. The Texas Department of Insurance also requires agents to provide a Shopper Guide. Texas Partnership policies offer special asset protection for residents.
How do I choose a long-term care insurance agent in Royse City?
Look for an agent licensed in Texas with experience in long-term care products. You can verify their license on the Texas Department of Insurance website. Ask about their knowledge of Texas Partnership policies and local care costs.
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