The top-rated long-term care insurance agent in Richland, Washington is Rhonda Urich - State Farm Insurance Agent, rated 4.9 stars across 254 reviews. Other highly rated options include COUNTRY Financial - Jason Dufault Agency, Farmers Insurance - Larry Rindlisbacher, Bauder & Associates, LLC American Family Insurance. This directory lists 15 long-term care insurance agents serving Richland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rhonda Urich - State Farm Insurance Agent | 712 The Pkwy | (509) 392-8037 |
| 2 | COUNTRY Financial - Jason Dufault Agency | 1446 Spaulding Ave # 203 | (509) 491-3995 |
| 3 | Farmers Insurance - Larry Rindlisbacher | 636 Jadwin Ave Ste F | (509) 943-3122 |
| 4 | Bauder & Associates, LLC American Family Insurance | 430 George Washington Way #104 | (509) 420-5152 |
| 5 | Legacy One Insurance | 750 Swift Blvd Suite #2 | (509) 943-9999 |
| 6 | Brett Turner American Family Insurance | 1950 Keene Rd Bldg N | (509) 627-6366 |
| 7 | Matt Sept - COUNTRY Financial Agent | 1955 Jadwin Ave Suite 410 | (509) 430-8484 |
| 8 | Crigler Insurance Agency | 1301-B George Washington Way | (509) 946-4620 |
| 9 | Tri City Insurance and Mortgages | 925 Stevens Dr | (509) 392-8346 |
| 10 | Julia Ward - COUNTRY Financial Agent | 1901 George Washington Way a | (509) 491-6058 |
Rhonda Urich - State Farm Insurance Agent serves the Richland, Washington metro area, specializing in long-term care insurance. The agency helps individuals plan for future care needs, whether at home or in a facility. As a long-term care insurance agent, Rhonda Urich works with clients to explore coverage options that address potential medical and personal care expenses. The company also assists with policy design to match different budgets and health situations, including riders for inflation protection.
COUNTRY Financial - Jason Dufault Agency in Richland, WA, provides long-term care insurance agent services, including policy selection assistance and coverage planning. It offers ongoing service and maintenance plans to help clients review their policies for changing care needs. These plans ensure consistent support for managing claims and adjusting benefits over time. The agency services single-family homes, apartments, retail, and restaurants within the local area.
Farmers Insurance - Larry Rindlisbacher serves homeowners and local residents in Richland, Washington, seeking guidance on long-term care insurance coverage for themselves or aging family members. The agency helps clients understand policy options that address extended medical and personal care needs. Services include explaining benefit triggers, daily benefit amounts, and inflation protection features to match individual financial goals. Plans are tailored to protect assets while providing access to care at home or facilities. The agency also covers the neighboring community of Kennewick as part of its service area.
Bauder & Associates, LLC American Family Insurance distinguishes between long-term care insurance services that involve a single policy purchase and ongoing policy management, which is a recurring need for clients as health or financial circumstances change. Coverage generally helps pay for assisted living, nursing home care, or home-based support when a person can no longer perform daily activities independently. In Richland, Washington, their services are typically arranged on a one-time or as-needed basis for initial consultations or later policy reviews.
Serving Richland, Washington, and the surrounding communities of the Tri-Cities area, Legacy One Insurance handles the placement of long-term care insurance policies for local residents. It helps clients understand coverage options that protect assets against future care needs, such as nursing homes or in-home support. For each client, the agency begins by assessing individual financial goals and health history to identify suitable policy structures and benefit amounts.
Brett Turner American Family Insurance specializes in long-term care insurance planning for residents of Richland, Washington. This agency helps clients evaluate policy options for covering the costs of extended nursing, assisted living, or home-based care. It works directly with individuals and families to understand coverage needs, compare benefit structures from available carriers, and complete necessary applications. The agency also guides policyholders through initial claims processes to clarify benefits when care becomes necessary. It can assist with adjusting coverage before the annual open enrollment period ends in the fall.
Matt Sept - COUNTRY Financial Agent in Richland, WA offers long-term care insurance planning to help clients prepare for future needs. The agency assists with other financial services, tailoring each policy to individual circumstances and budgets. This guidance covers care costs in local nursing homes and assisted living facilities. Many residents worry about depleting savings during retirement, so it helps them address seasonal concerns like adjusting plans during Medicare open enrollment periods.
As local families in Richland plan for the seasons ahead, the need to protect long-term savings from future care costs often becomes apparent. Crigler Insurance Agency provides guidance on long-term care insurance, helping residents understand policies that can cover assisted living or home health services. The agency works with clients to assess personal needs, explaining how benefits coordinate with existing health coverage. An initial consultation to review an individual's financial situation and potential care goals serves as the first step in exploring available options.
Tri City Insurance and Mortgages provides financial guidance to clients in the Richland area, with a particular specialty in long-term care insurance planning. The company works with individuals to arrange coverage that addresses potential care needs and preserves personal assets. Its team assists with plan comparisons and policy details in the local community. The firm is equipped to consult with various commercial sectors, including offices, warehouses, and food service businesses.
Julia Ward with COUNTRY Financial provides long-term care insurance agent services to residents in Richland, Washington. In addition to individual coverage, commercial policies are also available for area businesses and organizations throughout the Tri-Cities region. Advice focuses on planning for future care expenses to protect savings and family assets. Regular policy reviews allow clients to update coverage as needs change, ensuring suitable protection is maintained between routine visits.
What Does a a Long-Term Care Insurance Agent in Richland Cost?
Typical costs for a long-term care insurance policy in Washington range from $1,500 to $4,000 per year for a 55-year-old, depending on coverage levels and benefits. Older applicants or those with health conditions may pay higher premiums. Partnership policies in Washington may have different pricing structures. This is general information, not insurance advice.
About long-term care insurance agents in Richland
Long-term care insurance agents in Richland, Washington help residents plan for future care needs such as nursing home or home health services. Washington state has a new long-term care program called WA Cares Fund that began collecting premiums in 2023, and a private agent can explain how this public benefit interacts with private policies. A local agent can also guide you through the underwriting process and policy options available in the Tri-Cities area.
Frequently Asked Questions
What does a long-term care insurance agent in Richland do?
A long-term care insurance agent helps you compare policies from different carriers, explains benefit triggers, and assists with the application process. They can also clarify how Washington state laws, such as the WA Cares Fund, affect your coverage options.
Is long-term care insurance required in Washington state?
No, private long-term care insurance is not required. However, Washington state has the WA Cares Fund, which provides a limited benefit to eligible workers. A private policy can supplement this benefit or provide more comprehensive coverage.
What factors affect the cost of a long-term care insurance policy in Washington?
Costs depend on your age, health status, benefit amount, and policy features like inflation protection. In Washington, premiums also reflect state-specific regulations and the availability of partnership policies that offer asset protection.