The top-rated long-term care insurance agent in Roy, Utah is Deni Mooney American Family Insurance, rated 4.5 stars across 78 reviews. Other highly rated options include Mindy Olsen American Family Insurance, Kimberly Stephens - State Farm Insurance Agent, Morse Insurance Agency. This directory lists 11 long-term care insurance agents serving Roy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Deni Mooney American Family Insurance | 6022 S 1900 W | (801) 399-0523 |
| 2 | Mindy Olsen American Family Insurance | 6022 S 1900 W | (801) 825-1707 |
| 3 | Kimberly Stephens - State Farm Insurance Agent | 4893 S 1900 W | (801) 825-7169 |
| 4 | Morse Insurance Agency | 4695 S 1900 W #8 | (801) 776-1626 |
| 5 | Farmers Insurance - Kendra Nilsen | 1935 5200 S St | (801) 731-5254 |
| 6 | Ponce de Leon Insurance (now Sierra Grande Insurance) | 4655 S 1900 W #3 | (801) 317-4943 |
| 7 | Farmers Insurance - Joshua Cottle | 2050 W 5700 S | (801) 775-0424 |
| 8 | Freedom Insurance Utah | 5533 S 1900 W | (801) 773-1555 |
| 9 | Sierra Grande Insurance | 4655 S 1900 W | (801) 317-4943 |
| 10 | Farmers Insurance Andrew Miller Agency | 3588 W 4800 S B | (801) 406-6293 |
Deni Mooney American Family Insurance serves the Roy, Utah area as a local long-term care insurance agent, helping residents plan for future health and financial security. The company guides clients through policies that cover assisted living, in-home care, and nursing facility expenses not covered by standard health plans. By evaluating individual needs, the agent clarifies coverage options and policy costs. Deni Mooney American Family Insurance handles long-term care insurance plan selection and eligibility assessments for clients in and around Roy.
Mindy Olsen American Family Insurance provides a full range of long-term care insurance services in the Roy, UT area. The agency helps clients explore policies that cover assistance with daily living activities, such as bathing and dressing, for use in home or facility settings. Ongoing support includes policy reviews to adjust coverage as client needs change over time. It also offers guidance on filing claims and managing benefit payouts. The company serves individual homeowners, families in single-family homes, apartment residents, retail businesses, and local restaurants.
Serving homeowners, families, and individuals in Roy, Utah, Kimberly Stephens – State Farm Insurance Agent provides long-term care insurance planning as part of a broader portfolio of coverage options. These policies are designed to help protect personal savings against the high costs of nursing home stays, assisted living, or in-home care services. The agency works with clients to explore policy features such as benefit triggers and daily benefit amounts that align with their retirement goals and health considerations. The office also covers surrounding communities and parts of the Ogden-Clearfield metropolitan area.
Serving Roy and the surrounding communities in northern Utah, Morse Insurance Agency specializes in helping individuals plan for long-term care needs. This agency handles policies that cover expenses for assisted living, nursing homes, and in-home support services. It works with clients to understand how these plans can protect personal assets and reduce financial strain during retirement years. To handle a typical case, it first conducts a thorough review of the client’s health history and financial situation, then carefully matches them with coverage options that fit their long-term goals.
Farmers Insurance - Kendra Nilsen in Roy, UT offers long-term care insurance agents who can help clients understand the difference between a one-time policy purchase covering a single care event and recurring options that provide ongoing coverage for extended needs. These agents assist with planning for potential future care costs, including home health aides or nursing facility stays, by exploring various policy features. Their service arrangement is generally available on an as-needed basis for individual consultations and plan reviews.
Specializing in long-term care insurance solutions, Ponce de Leon Insurance, now known as Sierra Grande Insurance, serves clients in Roy, Utah. Its general service work involves guiding individuals through the process of selecting policies that protect assets and cover extended care needs. The agency helps residents understand community and home-based coverage options under various plan structures. During open enrollment periods, it assists families in updating their coverage to address rising care costs in the local area.
In many Utah families, the rising cost of extended care creates concern about protecting retirement savings, especially for those in the Roy area. Farmers Insurance - Joshua Cottle assists local residents by explaining long-term care insurance options that can help cover future care needs. They focus on matching policies to individual financial situations and health circumstances. Services are available to help clients plan for potential home-based or facility care. The initial step in their process is a no-pressure consultation to discuss personal coverage goals and review any existing insurance.
Freedom Insurance Utah works with individuals seeking coverage that helps manage the costs of extended personal care. As a long-term care insurance agent based in Roy, UT, this company focuses specifically on plans designed for assisted living, home health, and nursing facility expenses. It advises clients in the local area on policies that address future care needs. This business serves a variety of commercial clients throughout Roy, including professional offices, warehouses, and food service establishments.
Sierra Grande Insurance serves residents in Roy, Utah, by helping them evaluate and select long-term care insurance policies suited to their individual needs. For commercial clients, the agency also provides guidance on coverage options for business-related long-term care planning. They focus on explaining policy details clearly to support informed decisions. Sierra Grande encourages ongoing communication, reaching out between regular visits to review any changes in health status or coverage that may require a policy adjustment.
Farmers Insurance Andrew Miller Agency, based in Roy, UT, is known for providing long-term care insurance solutions tailored to local residents. Its service range includes helping clients plan for future care needs through customizable policy options that cover assisted living and in-home support. The agency regularly advises on Medicare coordination and asset protection strategies. For an additional layer of financial security, the firm also offers annuity products that can supplement long-term care coverage.
What Does a a Long-Term Care Insurance Agent in Roy Cost?
Long-term care insurance agent services in Utah typically do not charge a separate fee because agents earn commissions from insurers. Policy premiums vary widely based on age health and coverage level. For a 55-year-old in Roy a policy may cost between 150 and 300 dollars per month. For a 65-year-old the same policy could cost 300 to 600 dollars per month. This is general information not insurance advice.
About long-term care insurance agents in Roy
Long-term care insurance agents in Roy Utah help residents plan for future care costs. Utah law requires agents to be licensed and follow state regulations on policy disclosures. An agent can explain how long-term care insurance works with Medicare and Medicaid in Utah.
Frequently Asked Questions
What does a long-term care insurance agent in Roy do?
An agent helps you compare policies from different insurers. They explain coverage limits, elimination periods, and inflation protection options. In Utah agents must provide a outline of coverage before you buy a policy.
How do Utah laws affect long-term care insurance?
Utah follows the National Association of Insurance Commissioners model act. Insurers cannot deny coverage based on pre-existing conditions after a policy has been in force for six months. Agents must disclose any replacement policy details to you.
When should I start looking for long-term care insurance in Roy?
Most people buy a policy in their 50s or early 60s to lock in lower premiums. Utah allows tax deductions for qualified long-term care insurance premiums. Starting earlier can help you qualify for better rates.
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