The top-rated long-term care insurance agent in Kirkland, Washington is Vern Fonk Insurance, rated 4.9 stars across 310 reviews. Other highly rated options include Constance Ann - State Farm Insurance Agent, CEG Life Insurance Services, Absolute Insurance Solutions. This directory lists 17 long-term care insurance agents serving Kirkland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Vern Fonk Insurance | 12535 Totem Lake Blvd NE | (425) 880-1004 |
| 2 | Constance Ann - State Farm Insurance Agent | 12405 NE 124th St | (425) 821-2225 |
| 3 | CEG Life Insurance Services | 611 4th Ave. suite a | (425) 947-5232 |
| 4 | Absolute Insurance Solutions | 733 7th Ave #204 | (425) 610-6909 |
| 5 | Ken Williams CHFC CLTC CLU CHRS INC | 11335 NE 122nd Way #105, Office 117 | (425) 539-2016 |
| 6 | ALLSTAR Financial Insurance | 9805 NE 116th St suite 206 | (425) 814-6378 |
| 7 | CHOICE Insurance | 1715 Market St # 100 | (425) 739-6565 |
| 8 | Best insurance Kirkland | 3951 Lake Washington Blvd NE | (253) 518-3812 |
| 9 | Commercial Insurance Northwest | 959 6th St South | (425) 600-9292 |
| 10 | Kirkland insurance co | 5710 Lake Washington Blvd NE | (253) 242-9167 |
Vern Fonk Insurance of Kirkland, Washington provides long-term care insurance planning and policy options tailored to individual needs. It offers guidance on selecting suitable coverage levels and application assistance, though ongoing maintenance or service plans are typical only for policy changes or claims support. The firm helps clients in the area understand the financial implications of future care requirements, including nursing home and home-based care costs. It services single-family homes, apartments, retail locations, and restaurants.
Constance Ann - State Farm Insurance Agent serves the Kirkland, Washington area, offering long-term care insurance for individuals planning for future health needs. This agency assists clients in understanding coverage options that help protect savings and assets while addressing care expenses. Policies typically cover services such as in-home assistance, assisted living, and nursing facility care. These plans are designed to provide financial support for extended care situations often not covered by standard health insurance. The agency handles individual policy consultations and personalized plan comparisons to match local clients with suitable long-term care solutions.
CEG Life Insurance Services in Kirkland, WA helps clients evaluate and select long-term care insurance policies, including hybrid life and LTC options. Their service offerings cover policy analysis, application assistance, and plan comparisons to match individual needs. They provide ongoing policy reviews and claims support to ensure coverage remains aligned with changing circumstances. This agency services single-family homeowners, apartment residents, and owners of retail and restaurant properties seeking financial protection for future care expenses.
Absolute Insurance Solutions serves older homeowners and families planning for future care needs in Kirkland, Washington, helping them navigate long-term care insurance policies to protect assets against rising assisted living and home health costs. The agency educates clients on benefit structures, elimination periods, and inflation riders, matching coverage to individual budgets and health circumstances. It additionally assists residents in adjacent communities throughout the Eastside, including Redmond and Bellevue, with the same personalized policy comparisons.
Serving Kirkland, Washington, and its surrounding communities, Ken Williams CHFC CLTC CLU CHRS INC acts as a long-term care insurance agent. It handles the evaluation and selection of policies that help individuals cover the costs of extended care, whether at home or in a facility. To manage a typical case, the agent first reviews a client’s financial situation and health needs, then compares multiple insurance carriers to identify suitable coverage options.
Unlike a one-time policy purchase, long-term care insurance demands ongoing management as care needs evolve. ALLSTAR Financial Insurance in Kirkland, WA, helps residents navigate this coverage to address future nursing home, assisted living, or home care expenses. Their local agents focus on matching policy options with individual financial and health situations. Policyholders can adjust benefits as circumstances change. Service runs on a scheduled or as-needed basis depending on the client’s current stage of planning or claims support.
CHOICE Insurance specializes in matching clients with appropriate long-term care policies for Kirkland residents. It assists individuals at various life stages in exploring coverage plans that help protect assets and secure future care options. As a local agent, the company offers personalized guidance through the complexities of benefit selection and policy comparisons. As families navigate winter holiday gatherings and conversations about aging parents’ declining health, the agency helps address pressing questions about ensuring sufficient care for loved ones.
As the Seattle area sees more families navigating the complexities of aging, Best Insurance Kirkland in Kirkland, WA offers guidance on long-term care insurance planning. Their agents help local residents understand policies that can cover home health aides or nursing facility stays, protecting assets from future care costs. They review coverage options and policy benefits before discussing how to structure a plan with a local provider. The process begins with a complimentary initial assessment of each client’s personal situation to determine appropriate coverage needs.
Serving residents throughout Kirkland and the surrounding Eastside communities, Commercial Insurance Northwest assists individuals with long-term care insurance planning. Clients typically seek policies covering home care, assisted living, or nursing facility expenses as they age. The agency also advises small businesses on commercial coverage options to protect local operations. Property owners, families, and professionals regularly work with the agent to compare benefit amounts and premium structures. After each initial policy purchase, the agency stays in contact to adjust coverage as needs change, ensuring clients receive timely support between annual plan reviews.
At this location in Kirkland, Washington, this company serves individuals and families by guiding them through long-term care insurance coverage options. It focuses specifically on policies that help pay for extended nursing, assisted living, or home health care expenses often not covered by standard health plans. As a local agency, it offers personalized consultations to help clients understand policy benefits, costs, and eligibility requirements within Washington State. Its services are accessible for small business offices, large corporate warehouses, and local food service establishments planning employee benefits or seeking their own coverage.
What Does a a Long-Term Care Insurance Agent in Kirkland Cost?
Long-term care insurance premiums in Washington vary widely based on age, health, benefit amount, and policy features. A typical policy for a healthy 55-year-old might cost between 1500 and 3000 dollars per year. For a 65-year-old, annual premiums often range from 2500 to 5000 dollars. Costs are higher for policies with inflation protection or shorter elimination periods. This is general information, not insurance advice.
About long-term care insurance agents in Kirkland
Long-term care insurance agents in Kirkland, Washington help residents plan for future care costs such as nursing home or in-home care. Washington state has the WA Cares Fund, a public long-term care benefit program, which may affect private policy choices. An agent can explain how private insurance coordinates with state benefits and local care facilities in King County.
Frequently Asked Questions
What does a long-term care insurance agent in Kirkland do?
A long-term care insurance agent helps you compare policies from different carriers to find coverage that fits your budget and health needs. They explain policy features like benefit periods, elimination periods, and inflation protection. In Washington, agents can also advise on how private insurance interacts with the WA Cares Fund payroll tax and benefits.
How does Washington state law affect long-term care insurance?
Washington state has the WA Cares Fund, which provides a limited long-term care benefit to eligible workers who pay the payroll tax. Private long-term care insurance can supplement this benefit. Agents must follow state regulations regarding policy disclosures and suitability standards when selling policies in Washington.
Do I need long-term care insurance if I live in Kirkland?
Long-term care costs in Kirkland and King County are high, with nursing home stays often exceeding 10000 dollars per month. Private insurance can protect your savings and assets. The decision depends on your age, health, income, and whether you qualify for WA Cares Fund benefits or other state programs.
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