The top-rated long-term care insurance agent in Chesapeake, Virginia is Michelle Benson-Dumas - State Farm Insurance Agent, rated 5.0 stars across 270 reviews. Other highly rated options include Centerville Insurance Agency, Ferguson Insurance Center, Garlow Insurance Agency - Nationwide Insurance. This directory lists 19 long-term care insurance agents serving Chesapeake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Benson-Dumas - State Farm Insurance Agent | 1428 Kempsville Rd ste b | (757) 819-6733 |
| 2 | Centerville Insurance Agency | 516 Innovation Dr Ste 301 | (757) 420-0006 |
| 3 | Ferguson Insurance Center | 1407 Stephanie Way Ste A | (757) 201-3000 |
| 4 | Garlow Insurance Agency - Nationwide Insurance | 312 Cedar Lakes Dr suite 201 | (757) 548-1515 |
| 5 | Stephanie Grayson - State Farm Insurance Agent | 1111 Eden Way N | (757) 547-9323 |
| 6 | COVA Insurance | 638 Independence Pkwy Ste 220 | (757) 410-5800 |
| 7 | Nationwide Insurance: W T Jennings Insurance Agency Inc. | 676 Battlefield Blvd N Ste A | (757) 549-2447 |
| 8 | Coastal Financial Insurance Group | 616 Happy Acres Rd | (757) 350-6960 |
| 9 | Kursti Woolard Medicare Insurance Broker, Life & Annuity Agent | 103 Watson Rd | (757) 692-8438 |
| 10 | Fred E. Pettus III, Benefits Coordinator | 1200 Dragon Ln | (757) 334-0946 |
Michelle Benson-Dumas - State Farm Insurance Agent serves clients in the Chesapeake, VA area with a focus on personal insurance protection. The agency helps individuals plan for future health and financial needs, specializing in long-term care coverage. This type of insurance assists with costs for services like nursing home care or in-home assistance when daily tasks become difficult. The team works with residents to understand policy options that address aging-related risks. They regularly handle consultations for long-term care insurance and coordinate benefit payouts for existing policyholders.
Centerville Insurance Agency provides advisory services for long-term care insurance needs in Chesapeake, VA. It helps clients evaluate coverage options for in-home care, assisted living, and nursing home expenses. Regular policy reviews are offered to adjust plans as health care needs or financial circumstances change. The Agency assists individuals and families in understanding benefit triggers and policy features. It services single-family homes, apartments, retail, and restaurants, ensuring asset protection strategies for diverse property owners and residents.
Ferguson Insurance Center in Chesapeake, VA serves individuals and families planning for future health and financial needs. As a long-term care insurance agent, the agency helps clients evaluate policies that can cover assisted living, nursing home care, and home health services to protect assets later in life. Guidance focuses on comparing benefit periods, daily coverage amounts, and inflation protection options. The agents also support local families in nearby Suffolk and throughout the Hampton Roads metropolitan area.
Garlow Insurance Agency - Nationwide Insurance serves Chesapeake, Virginia, and the surrounding Hampton Roads communities. It handles the complexities of long-term care insurance, helping clients plan for future needs like home care or assisted living. The agency works with individuals to evaluate different policy options suited to their personal circumstances. To handle a typical job, it begins with a thorough consultation to review a client's objectives and then presents clear coverage choices for their consideration.
Stephanie Grayson, a State Farm Insurance Agent in Chesapeake, VA, provides long-term care insurance designed to bridge the gap between one-time policy purchases and recurring premium payment options, ensuring continuous coverage. Coverage helps protect assets and manage costs associated with extended care needs, including in-home assistance and facility services. The agent assesses individual financial situations and health considerations to tailor plans that address future care requirements. Service is typically arranged on an as-needed basis, initiated when a client requests a consultation to review or adjust their existing policy.
As a long-term care insurance agent in Chesapeake, VA, COVA Insurance offers policy selection assistance and personalized planning for extended care needs. It regularly helps clients compare coverage options and navigate the complexities of nursing home, assisted living, and home care costs. The firm focuses on organizing comprehensive plans tailored to individual retirement and health situations. During the winter months, when seasonal illnesses can elevate care risks, it assists families in reassessing policies to ensure protection against sudden, extended medical expenses.
With the rising cost of senior care in the Chesapeake region, many residents feel financial pressure when planning for future needs. Nationwide Insurance: W T Jennings Insurance Agency Inc. provides long-term care insurance solutions designed to preserve retirement savings from these significant expenses. Their agents carefully explain policy details, helping clients match coverage to their personal health expectations and income goals. A typical first consult begins with an inspection of the client’s current assets and an initial assessment of potential future care scenarios.
Coastal Financial Insurance Group guides Chesapeake residents through the complexities of planning for future care needs. The agency specializes in long-term care insurance, helping individuals protect assets and secure coverage for home health aides, assisted living, and nursing facility stays. Policies are structured to pay for personal care services not covered by typical health plans. By focusing on the financial strategies required to mitigate the high costs of extended care, the firm serves a wide range of commercial sectors, including professional offices, warehouses, and food service establishments.
Kursti Woolard Medicare Insurance Broker, Life & Annuity Agent provides long-term care insurance services to residents in and around Chesapeake, VA. The agency also assists clients with commercial coverage needs within the same service area. By focusing on personalized policy options, the agent helps individuals plan for future care expenses. Regular follow-up and repeat service are available between scheduled visits to address any changing coverage requirements.
Fred E. Pettus III, Benefits Coordinator in Chesapeake, VA, is known for guiding clients through long-term care insurance options to help protect assets from future care costs. The agency serves local families and individuals by comparing policy features from multiple carriers. Coverage typically includes assistance with daily living activities such as bathing, dressing, and eating in various care settings. In addition to standard plans, the company can arrange optional inflation protection riders to maintain policy value over time.
What Does a a Long-Term Care Insurance Agent in Chesapeake Cost?
Long-term care insurance premiums in Virginia vary widely based on age, health, and benefit amount. A typical policy for a healthy 55-year-old might cost between 100 and 300 dollars per month. Partnership policies may have slightly higher premiums but offer additional asset protection. This is general information and not insurance advice.
About long-term care insurance agents in Chesapeake
Long-term care insurance agents in Chesapeake, Virginia help residents plan for future care needs such as nursing home or home health services. Virginia offers a Long-Term Care Partnership program that allows policyholders to protect assets while qualifying for Medicaid. An agent can explain how these state-specific rules affect your coverage options.
Frequently Asked Questions
What does a long-term care insurance agent do in Chesapeake?
An agent helps you compare policies from different insurers and explains coverage for nursing homes, assisted living, and home care. They also ensure the policy meets Virginia Partnership requirements if you want asset protection.
Are there Virginia rules for long-term care insurance policies?
Yes. Virginia requires policies to offer inflation protection and a 30-day free look period. Agents must be licensed by the Virginia State Corporation Commission and follow state consumer protection laws.
How do I choose a long-term care insurance agent in Chesapeake?
Look for an agent with experience in Virginia long-term care policies and Partnership plans. Check their license status on the Virginia SCC website and ask about their familiarity with local care costs in the Hampton Roads area.
Long-Term Care Insurance Agents in Other Virginia Cities
Annandale · Arlington · Ashburn · Blacksburg · Centreville · Chantilly · Charlottesville · Chester · Fairfax · Fredericksburg · Gainesville · Glen Allen · Hampton · Harrisonburg · Herndon