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California Investments, Financial Consultations, Insurance Products

 

Agoura CA - California long term care insurance -- Susan Laronge, CLTC , Los Angeles County      Click to request assistance
Agoura Hills CA - California nursing home, assisted living, home care insurance -- Coast West Insurance Agency, Los Angeles County      Click to request assistance
Agoura Hills CA - California Medicare supplement insurance -- Geldin Insurance Services, Los Angeles County      Click to request assistance
Alameda CA - California Medicare advantage plan insurance -- Virgilio Paulino, CLTC, LUTCF , Alameda County      Click to request assistance
Alamo CA - California Oregon Medicare drug plan insurance -- Celia Mason, CSA, JD , Contra Costa County      Click to request assistance
Aliso Viejo CA - California long term care insurance -- Kasey Scott , Orange County      Click to request assistance
Anaheim CA - California nursing home, assisted living, home care insurance -- Apple Tree Benefits Insurance, Orange County      Click to request assistance
Anaheim CA - California Medicare supplement insurance -- Easy Health Quotes, Orange County      Click to request assistance
Anaheim CA - California Medicare advantage plan insurance -- Insurance Options, Orange County      Click to request assistance
Anaheim Hills CA - California Oregon Medicare drug plan insurance -- James Thomaston, CLTC , Orange County      Click to request assistance
Antioch CA - California long term care insurance -- Sylvia Garrett, CLTC , Contra Costa County      Click to request assistance
Applegate CA - California nursing home, assisted living, home care insurance -- Leonette J. Francia, LTCP, CSA, MA, CCC , Placer County      Click to request assistance
Aptos CA - California Medicare supplement insurance -- Karisli Grace, Santa Cruz County      Click to request assistance
Arcadia CA - California Medicare advantage plan insurance -- Amy Wang, CLTC, LUTCF , Los Angeles County      Click to request assistance
Arcadia CA - California Oregon Medicare drug plan insurance -- Keith D. Scott, CLTC, LUTCF , Los Angeles County      Click to request assistance
Arcadia CA - California nursing home, assisted living, home care insurance -- Moneh D. Grigorian , Los Angeles County      Click to request assistance
Arcadia CA - California Medicare supplement insurance -- Moneh Grigorian, CLTC , Los Angeles County      Click to request assistance
Atascadero CA - California Medicare advantage plan insurance -- Terry Mulhall, CLTC , San Luis Obispo County      Click to request assistance
Atascadero CA - California Oregon Medicare drug plan insurance -- William S. Shorts , San Luis Obispo County      Click to request assistance
Bakersfield CA - California long term care insurance -- Terry Morgan, CLTC, CFP, CLU, EA , Kern County      Click to request assistance
Baldwin Park CA - California nursing home, assisted living, home care insurance -- Allen Cwikla, CLTC , Los Angeles County      Click to request assistance
Berkeley CA - California Medicare supplement insurance -- James Washington, CLTC, LUTCF , Alameda County      Click to request assistance
Berkeley CA - California Medicare advantage plan insurance -- Jill Hollander, CLTC , Alameda County      Click to request assistance
Berkeley CA - California Oregon Medicare drug plan insurance -- Linda Jacobs, CSA, AIF , Alameda County      Click to request assistance
Beverly Hills CA - California long term care insurance -- Kern, Dr. Marc F, PhD,CAS, Los Angeles County      Click to request assistance
Beverly Hills CA - California nursing home, assisted living, home care insurance -- Les Light Insurance Services, Los Angeles County      Click to request assistance
Beverly Hills CA - California Medicare supplement insurance -- Long Term Care Insurance Associates, Los Angeles County      Click to request assistance
Beverly Hills CA - California Medicare advantage plan insurance -- The Matloff Insurance Company, Los Angeles County      Click to request assistance
Beverly Hills CA - California Oregon Medicare drug plan insurance -- Beverly Berman, CLTC , Fraser Agency      Click to request assistance
Beverly Hills CA - California long term care insurance -- Beverly Berman, CLTC , Fraser Agency      Click to request assistance
Beverly Hills CA - California nursing home, assisted living, home care insurance -- Solomon Cohen , Fraser Agency      Click to request assistance
Brea CA - California Medicare supplement insurance -- Brett Dawson, CLTC , Orange County      Click to request assistance
Brea CA - California Medicare advantage plan insurance -- Rhonda Guilin , Orange County      Click to request assistance
Brea CA - California Oregon Medicare drug plan insurance -- Robert Meaux, CLTC , Orange County      Click to request assistance
Burbank CA - California long term care insurance -- Jeremy Baker, CLTC , Los Angeles County      Click to request assistance
Burlingame CA - California nursing home, assisted living, home care insurance -- CA Long Term Care, San Mateo County      Click to request assistance
Burlingame CA - California Medicare supplement insurance -- Debe Bloom , San Mateo County      Click to request assistance
Burlingame CA - California Medicare advantage plan insurance -- Katie O'Rourke, CLTC , San Mateo County      Click to request assistance
Burlingame CA - California Oregon Medicare drug plan insurance -- Louis Brownstone , San Mateo County      Click to request assistance
Camarillo CA - California long term care insurance -- Morrison Insurance Services, Ventura County      Click to request assistance
Camarillo CA - California nursing home, assisted living, home care insurance -- Michael Hanson, CLTC, CSA , Ventura County      Click to request assistance
Campbell CA - California Medicare supplement insurance -- Elly Chan, CLTC, MBA , Santa Clara County      Click to request assistance
Campbell CA - California Medicare advantage plan insurance -- Greg Williams, CLTC, CLU, CFP, LUTCF , Santa Clara County      Click to request assistance
Campbell CA - California Oregon Medicare drug plan insurance -- Kanako McPhail, CLTC , Santa Clara County      Click to request assistance
Canoga Park CA - California long term care insurance -- Veronica Gage Insurance, Los Angeles County      Click to request assistance
Capistrano Beach CA - California nursing home, assisted living, home care insurance -- Long Term Care Solutions, Orange County      Click to request assistance
Cardiff CA - California Medicare supplement insurance -- Jody Hubbard ~ Hubbard Long Term Care, San Diego County      Click to request assistance
Cardiff by the Sea CA - California Medicare advantage plan insurance -- Judith K. Schreiber, San Diego County      Click to request assistance
Cardiff by the Sea CA - California Oregon Medicare drug plan insurance -- Janie C. DeCelles , San Diego County      Click to request assistance
Carlsbad CA - California long term care insurance -- Michael Piper, San Diego County      Click to request assistance
Carlsbad CA - California nursing home, assisted living, home care insurance -- Bernadette Caulfield, CLTC , San Diego County      Click to request assistance
Carlsbad CA - California Medicare supplement insurance -- Jusuf Sahabu, CLTC , San Diego County      Click to request assistance
Carlsbad CA - California Medicare advantage plan insurance -- Sheri Strange, CLTC , San Diego County      Click to request assistance
Carlsbad CA - California Oregon Medicare drug plan insurance -- Susan Kobara, CLTC , San Diego County      Click to request assistance
Carmel By The Sea CA - California long term care insurance -- Scher Long-Term Care Insurance, Monterey County      Click to request assistance
Carmichael CA - California nursing home, assisted living, home care insurance -- Mark Crews, Sacramento County      Click to request assistance
Carmichael CA - California Medicare supplement insurance -- Meurer Steve Health & Life Insurance, Sacramento County      Click to request assistance
Cerritos CA - California Medicare advantage plan insurance -- Santonino Corp, Los Angeles County      Click to request assistance
Chatsworth CA - California Oregon Medicare drug plan insurance -- Mike Krupka, CLTC, LUTCF, MDRT , Los Angeles County      Click to request assistance
Chico CA - California Medicare advantage plan insurance -- GE Long Term Care, Butte County      Click to request assistance
Chico CA - California Oregon Medicare drug plan insurance -- Barbie Morgan, CLTC , Butte County      Click to request assistance
Chico CA - California long term care insurance -- Jack Hubbard, CLTC , Butte County      Click to request assistance
Chico CA - California nursing home, assisted living, home care insurance -- John Warwick, CSA , Butte County      Click to request assistance
Chico CA - California Medicare supplement insurance -- Kathy Bushman, CLTC, LUTCF , Butte County      Click to request assistance
Chino Hills CA - California Medicare advantage plan insurance -- Good & Associates, San Bernardino County      Click to request assistance
Chula Vista CA - California Oregon Medicare drug plan insurance -- McClurg Insurance & Financial Services Inc, San Diego County      Click to request assistance
Chula Vista CA - California long term care insurance -- Guadalupe Patino, CLTC, LUTCF , San Diego County      Click to request assistance
Citrus Heights CA - California nursing home, assisted living, home care insurance -- Robert Davis, CLTC, CSA , Sacramento County      Click to request assistance
City Of Industry CA - California Medicare supplement insurance -- AnyHealth Insurance Services, Los Angeles County      Click to request assistance
City of Industry CA - California Medicare advantage plan insurance -- Harry Woodward, CLTC , Los Angeles County      Click to request assistance
City of Industry CA - California Oregon Medicare drug plan insurance -- Richard Nakawatase, CLTC, CFP , Los Angeles County      Click to request assistance
Claremont CA - California long term care insurance -- Bill Popko, LTCP, CLU, ChFC, FLMI, CLTC , Los Angeles County      Click to request assistance
Claremont CA - California nursing home, assisted living, home care insurance -- Sandra L. Smith , Los Angeles County      Click to request assistance
Cloverdale CA - California Medicare supplement insurance -- Bob Palmer, CLTC , Sonoma County      Click to request assistance
Clovis CA - California Medicare advantage plan insurance -- Christina Castro, CLTC , Fresno County      Click to request assistance
Clovis CA - California Oregon Medicare drug plan insurance -- Cozette Gahan, CLTC , Fresno County      Click to request assistance
Colusa CA - California long term care insurance -- Larsen Joel A CFP, Colusa County      Click to request assistance
Concord CA - California nursing home, assisted living, home care insurance -- Bryan Nogaki, CLTC , Contra Costa County      Click to request assistance
Concord CA - California Medicare supplement insurance -- Karen Lynaugh , Contra Costa County      Click to request assistance
Concord CA - California Medicare advantage plan insurance -- Rick Lavis, CLTC , Contra Costa County      Click to request assistance
Concord CA - California Oregon Medicare drug plan insurance -- Thomas Payne, CLTC , Contra Costa County      Click to request assistance
Copperopolis CA - California Medicare advantage plan insurance -- Frank Saxen Financial & Insurance Services, Calaveras County      Click to request assistance
Corona CA - California Oregon Medicare drug plan insurance -- What If Insurance Services, Riverside County      Click to request assistance
Corona CA - California long term care insurance -- William Stafford, CLTC, CSA , Riverside County      Click to request assistance
Cotati CA - California nursing home, assisted living, home care insurance -- Joel Patino, CLTC , Sonoma County      Click to request assistance
Coto de Caza CA - California Medicare supplement insurance -- Victoria Gunvalson , Orange County      Click to request assistance
Coulterville CA - California Medicare advantage plan insurance -- John C Fremont Healthcare, Mariposa County      Click to request assistance
Crockett CA - California Oregon Medicare drug plan insurance -- Joanna L. Cassese, CSA , Contra Costa County      Click to request assistance
Culver City CA - California long term care insurance -- Said Jabbari, CLTC, LUTCF, CSA , Los Angeles County      Click to request assistance
Cypress CA - California nursing home, assisted living, home care insurance -- Secure Horizons from PacifiCare, Orange County      Click to request assistance
Cypress CA - California Medicare supplement insurance -- Michael Mantong, CLTC, CPA , Orange County      Click to request assistance
Dana Point CA - California Medicare advantage plan insurance -- Janis Adams, Orange County      Click to request assistance
Dana Point CA - California Oregon Medicare drug plan insurance -- Low Cost Health Insurance Programs.com, Orange County      Click to request assistance
Dana Point CA - California long term care insurance -- McDowell Insurance Group, Orange County      Click to request assistance
Danville CA - California nursing home, assisted living, home care insurance -- Dean Booras , Contra Costa County      Click to request assistance
Danville CA - California Medicare supplement insurance -- Kirk Dobson, CSA , Contra Costa County      Click to request assistance
Diamond Bar CA - California Medicare advantage plan insurance -- Laszlo Babos, CLTC , Los Angeles County      Click to request assistance
Diamond Bar CA - California Oregon Medicare drug plan insurance -- Zakir Gunja, CLTC , Los Angeles County      Click to request assistance
El Cajon CA - California long term care insurance -- Anne McDougal, CLTC, CLU, ChFC, CFP , San Diego County      Click to request assistance
El Segundo CA - California nursing home, assisted living, home care insurance -- Dee Fujioka, CLTC , Los Angeles County      Click to request assistance
El Segundo CA - California Medicare supplement insurance -- Farid Malek, CLTC , Los Angeles County      Click to request assistance
El Segundo CA - California Medicare advantage plan insurance -- Jack Yashar, CLTC, LUTCF , Los Angeles County      Click to request assistance
El Segundo CA - California Oregon Medicare drug plan insurance -- Linda Parra, CLTC , Los Angeles County      Click to request assistance
El Segundo CA - California Medicare advantage plan insurance -- Robert Bryant, CLTC , Los Angeles County      Click to request assistance
Elk Grove CA - California Oregon Medicare drug plan insurance -- David Adams, CLTC , Sacramento County      Click to request assistance
Emeryville CA - California long term care insurance -- Judith Breakstone, CLU , Alameda County      Click to request assistance
Encinitas CA - California nursing home, assisted living, home care insurance -- Mary Jo Lunt-Wallo, CLTC , San Diego County      Click to request assistance
Encinitas CA - California Medicare supplement insurance -- William Bargfrede , San Diego County      Click to request assistance
Encino CA - California Medicare advantage plan insurance -- Allan Stuart , Los Angeles County      Click to request assistance
Encino CA - California Oregon Medicare drug plan insurance -- Lana Gutgarts, LTCP, MS, LUTCF , Los Angeles County      Click to request assistance
Encino CA - California long term care insurance -- Michael Machlovitz, CLTC, CSA, CEPS, LTCP, LTCIS , Los Angeles County      Click to request assistance
Encino CA - California nursing home, assisted living, home care insurance -- Scott Zimmerman, CLTC , Los Angeles County      Click to request assistance
Escondido CA - California Medicare supplement insurance -- Christine Ernsting , San Diego County      Click to request assistance
Exeter CA - California Medicare advantage plan insurance -- Chuck Dickens Ins. Office, Tulare County      Click to request assistance
Fair Oaks CA - California Oregon Medicare drug plan insurance -- Authorized Health Insurance - Paul Reese, Sacramento County      Click to request assistance
Fair Oaks CA - California long term care insurance -- Alan Sepanski, CLTC , Sacramento County      Click to request assistance
Fair Oaks CA - California nursing home, assisted living, home care insurance -- Chris A. Hart , Sacramento County      Click to request assistance
Fair Oaks CA - California Medicare supplement insurance -- Christine Hart, CLTC , Sacramento County      Click to request assistance
Fair Oaks CA - California Medicare advantage plan insurance -- M. H. Berenberg , Sacramento County      Click to request assistance
Fairfax CA - California Oregon Medicare drug plan insurance -- Ilene Schwerin , Marin County      Click to request assistance
Felton CA - California long term care insurance -- Barbara Hanson, CSA, Santa Cruz County      Click to request assistance
Folsom CA - California nursing home, assisted living, home care insurance -- Mike Lahey & Associates Insurance, Sacramento County      Click to request assistance
Folsom CA - California Medicare supplement insurance -- Caryn B. Jones , El Dorado County      Click to request assistance
Folsom CA - California Medicare advantage plan insurance -- Daniel Pierantoni, CLTC , El Dorado County      Click to request assistance
Foster City CA - California Oregon Medicare drug plan insurance -- Gary M. Verbin, CSA , San Mateo County      Click to request assistance
Foster City CA - California Medicare advantage plan insurance -- Thomas Weber, CRP, MSAA , San Mateo County      Click to request assistance
Fountain Valley CA - California Oregon Medicare drug plan insurance -- William Kritlow , Orange County      Click to request assistance
Fremont CA - California long term care insurance -- Jack Chang, CLTC, CFP, MBA , Alameda County      Click to request assistance
Fresno CA - California nursing home, assisted living, home care insurance -- John Hancock Financial Network, Fresno County      Click to request assistance
Fresno CA - California Medicare supplement insurance -- Joseph Hill CEP, CLTCP, IGA, Fresno County      Click to request assistance
Fresno CA - California Medicare advantage plan insurance -- Katherine H. Huebert , Fresno County      Click to request assistance
Fullerton CA - California Oregon Medicare drug plan insurance -- D. Craig Rogers - Nationwide Insurance, Orange County      Click to request assistance
Glendale CA - California long term care insurance -- Dennis Guyer, CSA , Los Angeles County      Click to request assistance
Glendale CA - California nursing home, assisted living, home care insurance -- Judy Kollack , Los Angeles County      Click to request assistance
Glendale CA - California Medicare supplement insurance -- Silvio Pachacuti, CLTC, CSA , Los Angeles County      Click to request assistance
Gold River CA - California Medicare advantage plan insurance -- Colonial Supplemental Insurance, Sacramento County      Click to request assistance
Gold River CA - California Oregon Medicare drug plan insurance -- Stanley Kramer, CLTC, CSA , Sacramento County      Click to request assistance
Granada Hills CA - California long term care insurance -- Alan Rosenberg Financial Service, Los Angeles County      Click to request assistance
Hayward CA - California nursing home, assisted living, home care insurance -- Anthony J. Rutz , Alameda County      Click to request assistance
Hayward CA - California Medicare supplement insurance -- Dave Hill , Alameda County      Click to request assistance
Hayward CA - California Medicare advantage plan insurance -- Donald Beeman, CLTC, RHU , Alameda County      Click to request assistance
Hayward CA - California Oregon Medicare drug plan insurance -- Todd Carlson, CLTC , Alameda County      Click to request assistance
Hemet CA - California long term care insurance -- Rizzo Claudia Insurance, Riverside County      Click to request assistance
Hemet CA - California nursing home, assisted living, home care insurance -- Claudia A. Rizzo , Riverside County      Click to request assistance
Hemet CA - California Medicare supplement insurance -- Robert Carroll, CLTC , Riverside County      Click to request assistance
Hermosa Beach CA - California Medicare advantage plan insurance -- Gordon Harvey, Jr., CLTC , Los Angeles County      Click to request assistance
Hermosa Beach CA - California Oregon Medicare drug plan insurance -- Lawrence D. Smith III , Los Angeles County      Click to request assistance
Huntington Beach CA - California Medicare advantage plan insurance -- Adamantium Insurance Agency, Orange County      Click to request assistance
Huntington Beach CA - California Oregon Medicare drug plan insurance -- California Health Insurance Finder, Orange County      Click to request assistance
Industry CA - California long term care insurance -- Er-Ying Chang, CLTC, LUTCF , Orange County      Click to request assistance
Industry CA - California nursing home, assisted living, home care insurance -- Haidi Huang, CLTC, CLU, ChFC , Orange County      Click to request assistance
Industry CA - California Medicare supplement insurance -- Heting Gonzales, CLTC , Orange County      Click to request assistance
Industry CA - California Medicare advantage plan insurance -- Li Nan Xia, CLTC , Orange County      Click to request assistance
Industry CA - California Oregon Medicare drug plan insurance -- Lulu Wang, CLTC , Orange County      Click to request assistance
Irvine CA - California long term care insurance -Western Financial Planning Corp., Orange County      Click to request assistance
Irvine CA - California long term care insurance -- Wirth Financial & Insurance Services, Orange County      Click to request assistance
Irvine CA - California nursing home, assisted living, home care insurance -- Barbara Hogan, CLTC , Orange County      Click to request assistance
Irvine CA - California Medicare supplement insurance -- Joe Alber, CLTC, CLU , Orange County      Click to request assistance
Irvine CA - California Medicare advantage plan insurance -- John Parsons, CLTC, CFP , Orange County      Click to request assistance
Irvine CA - California Oregon Medicare drug plan insurance -- Michael E. Waiters, CSA , Orange County      Click to request assistance
Irvine CA - California long term care insurance -- Rose Clayton, CLTC , Orange County      Click to request assistance
Irvine CA - California nursing home, assisted living, home care insurance -- Sean Taeger, CLTC , Orange County      Click to request assistance
Irvine CA - California Medicare supplement insurance -- Spencer Way, CLTC, CLU , Orange County      Click to request assistance
Irvine CA - California Medicare advantage plan insurance -- Suzanne Tourangeau, CLTC , Orange County      Click to request assistance
Jackson CA - California Oregon Medicare drug plan insurance -- Ronald C Floyd Insurance Services, Amador County      Click to request assistance
La Jolla CA - California nursing home, assisted living, home care insurance -- Todd Macaluso, CLTC , San Diego County      Click to request assistance
La Mesa CA - California Medicare supplement insurance -- Jaime Mirman, San Diego County      Click to request assistance
La Mesa CA - California Medicare advantage plan insurance -- Teague Financial Services, San Diego County      Click to request assistance
La Mesa CA - California Oregon Medicare drug plan insurance -- Charles D. Anacker , San Diego County      Click to request assistance
La Mesa CA - California Medicare advantage plan insurance -- James Buchanan, CLTC, LUTCF, CSA, CCC , San Diego County      Click to request assistance
La Mirada CA - California Oregon Medicare drug plan insurance -- James Casey, CLTC , Los Angeles County      Click to request assistance
La Mirada CA - California long term care insurance -- Young Park, CLTC , Los Angeles County      Click to request assistance
La Quinta CA - California nursing home, assisted living, home care insurance -- Long Term Care Insurance Brokerage, Riverside County      Click to request assistance
La Quinta CA - California Medicare supplement insurance -- Jacques Abels, CLTC , Riverside County      Click to request assistance
La Quinta CA - California Medicare advantage plan insurance -- Lauren Gershen, CLTC , Riverside County      Click to request assistance
La Quinta CA - California Oregon Medicare drug plan insurance -- Rob Dawson , Riverside County      Click to request assistance
Lafayette CA - California long term care insurance -- Mary Hanson, CLTC , Contra Costa County      Click to request assistance
Lafayette CA - California nursing home, assisted living, home care insurance -- Michael Hansen, CLTC, CSA , Contra Costa County      Click to request assistance
Laguna Beach CA - California Medicare supplement insurance -- Judith H. Pettigrew, CLTC , Orange County      Click to request assistance
Laguna Hills CA - California Medicare advantage plan insurance -- Jahangir Golestan, CLTC, LUTCF , Orange County      Click to request assistance
Laguna Niguel CA - California Oregon Medicare drug plan insurance -- Mike Kendall CLTC, CES, Orange County      Click to request assistance
Laguna Niguel CA - California long term care insurance -- Millie Rhodes, CFP, Orange County      Click to request assistance
Laguna Niguel CA - California nursing home, assisted living, home care insurance -- Don Grimes , Orange County      Click to request assistance
Laguna Niguel CA - California Medicare supplement insurance -- Jack L. Voss , Orange County      Click to request assistance
Lancaster CA - California Medicare advantage plan insurance -- Ed Addington Long Term Care, Los Angeles County      Click to request assistance
Lancaster CA - California Oregon Medicare drug plan insurance -- Edward Addington, CLTC , Los Angeles County      Click to request assistance
Larkspur CA - California long term care insurance -- Caroline Talbott , Marin County      Click to request assistance
Leucadia CA - California nursing home, assisted living, home care insurance -- Gay Rowan, CLTC, CSA, CLTC , San Diego County      Click to request assistance
Leucadia CA - California Medicare supplement insurance -- Gay Rowan, CSA, CLTC , San Diego County      Click to request assistance
Lincoln CA - California Medicare advantage plan insurance -- William R. Bayham , Placer County      Click to request assistance
Lodi CA - California Oregon Medicare drug plan insurance -- Seldon Brusa, CLU , San Joaquin County      Click to request assistance
Lompoc CA - California Medicare advantage plan insurance -- Roger J. McConnell , Santa Barbara County      Click to request assistance
Long Beach CA - California Oregon Medicare drug plan insurance -- Gotz Insurance Agency, Los Angeles County      Click to request assistance
Long Beach CA - California long term care insurance -- Intercommunity Care Center, Los Angeles County      Click to request assistance
Long Beach CA - California nursing home, assisted living, home care insurance -- Charles Rubsamen, CLTC, CFP , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare supplement insurance -- AAA - Denise G. Jackson (Jackson Financial Services), Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare advantage plan insurance -- Blue Cross & Blue Shield, Los Angeles County      Click to request assistance
Los Angeles CA - California Oregon Medicare drug plan insurance -- FZ Insurance Services, Los Angeles County      Click to request assistance
Los Angeles CA - California long term care insurance -- Akhilesh Sinha, CLTC, LUTCF , Los Angeles County      Click to request assistance
Los Angeles CA - California nursing home, assisted living, home care insurance -- Al Landolph, CLTC , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare supplement insurance -- Charles Nash, CLTC , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare advantage plan insurance -- Donald Harrington, CLTC, ChFC, CLU , Los Angeles County      Click to request assistance
Los Angeles CA - California Oregon Medicare drug plan insurance -- Eric Hatfield, CLTC , Los Angeles County      Click to request assistance
Los Angeles CA - California long term care insurance -- Gene Tapper, LNHA , Los Angeles County      Click to request assistance
Los Angeles CA - California nursing home, assisted living, home care insurance -- Grant Fraser, CLTC, CLU, ChFC , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare supplement insurance -- Jack Cumming, CLU, ChFC, FSA, MAAA , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare advantage plan insurance -- Jason Harley, CLTC, CSA , Los Angeles County      Click to request assistance
Los Angeles CA - California Oregon Medicare drug plan insurance -- Jeff Munjack, CLTC, CFP , Los Angeles County      Click to request assistance
Los Angeles CA - California long term care insurance -- Kathleen Adams-Brosterman, CLTC, CFP , Los Angeles County      Click to request assistance
Los Angeles CA - California nursing home, assisted living, home care insurance -- Lee Kaplowitz, CLTC , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare supplement insurance -- Lynn Barancik, CLTC, CLU , Los Angeles County      Click to request assistance
Los Angeles CA - California Medicare advantage plan insurance -- Micha Park, CLTC , Los Angeles County      Click to request assistance
Los Gatos CA - California Oregon Medicare drug plan insurance -- Andrew Eakin, CLTC , Santa Clara County      Click to request assistance
Los Osos CA - California Medicare advantage plan insurance -- Larry R. Dellard, LTCP, CSA , San Luis Obispo County      Click to request assistance
Magalia CA - California Oregon Medicare drug plan insurance -- Nicholas Guerard, CLTC , Butte County      Click to request assistance
Manhattan Beach CA - California long term care insurance -- Michael Hagedorn, CLTC, CLU, CFP , Los Angeles County      Click to request assistance
Marina Del Rey CA - California nursing home, assisted living, home care insurance -- Barricks Insurance Services, Los Angeles County      Click to request assistance
Mariposa CA - California Medicare supplement insurance -- Home Health Agency-John C Fremont Hospital, Mariposa County      Click to request assistance
Menlo Park CA - California Medicare advantage plan insurance -- Northwestern Mutual Life Insurance, San Mateo County      Click to request assistance
Mill Valley CA - California Oregon Medicare drug plan insurance -- Donald Kline , Marin County      Click to request assistance
Mission Viejo CA - California long term care insurance -- Logic Systems Financial, Orange County      Click to request assistance
Mission Viejo CA - California nursing home, assisted living, home care insurance -- Long Term Care Insurance, Orange County      Click to request assistance
Mission Viejo CA - California Medicare supplement insurance -- Quintessential Financial Corp, Orange County      Click to request assistance
Mission Viejo CA - California Medicare advantage plan insurance -- Secure Financial Insurance, Orange County      Click to request assistance
Mission Viejo CA - California Oregon Medicare drug plan insurance -- Larry Novick , Orange County      Click to request assistance
Mission Viejo CA - California long term care insurance -- Lisa Tatman, CFP , Orange County      Click to request assistance
Mission Viejo CA - California nursing home, assisted living, home care insurance -- Steven Kramer, CLTC , Orange County      Click to request assistance
Modesto CA - California Medicare supplement insurance -- Lyle Insurance Services, Stanislaus County      Click to request assistance
Modesto CA - California Medicare advantage plan insurance -- R. Pete Forbes, CSA , Stanislaus County      Click to request assistance
Modesto CA - California Oregon Medicare drug plan insurance -- Terry Swehla, CLTC, CFP , Stanislaus County      Click to request assistance
Monrovia CA - California long term care insurance -- McGrath-Stanley Insurance Agency, Los Angeles County      Click to request assistance
Monrovia CA - California nursing home, assisted living, home care insurance -- Eric Chang, CLTC , Los Angeles County      Click to request assistance
Monterey CA - California Medicare supplement insurance -- Connie C Smith Insurance Svcs, Monterey County      Click to request assistance
Monterey Park CA - California Medicare advantage plan insurance -- Anita Wai, CLTC, LUTCF , Los Angeles County      Click to request assistance
Moorpark CA - California Oregon Medicare drug plan insurance -- Michael Veta, CLTC , Ventura County      Click to request assistance
Mountain View CA - California Medicare advantage plan insurance -- Daniel Feldman, CLTC, CSA , Santa Clara County      Click to request assistance
Mountain View CA - California Oregon Medicare drug plan insurance -- Nicholas LaPorta , Santa Clara County      Click to request assistance
Murrieta CA - California long term care insurance -- Barbara D. Huguenin, LTCP, CSA, LUTCF , Riverside County      Click to request assistance
Murrieta CA - California nursing home, assisted living, home care insurance -- Jeffrey Anderson, CLTC , Riverside County      Click to request assistance
Murrieta CA - California Medicare supplement insurance -- Margaret Sanders, CLTC , Riverside County      Click to request assistance
Napa CA - California Medicare advantage plan insurance -- William Blanchfield, CLTC, CLU, ChFC , Napa County      Click to request assistance
Navato CA - California Oregon Medicare drug plan insurance -- David Soares, CLTC , Marin County.      Click to request assistance
Newport Beach CA - California long term care insurance -- Susan Berger Abrams, MHA, California Long Term Care, Orange County      Click to request assistance
Newport Beach CA - California nursing home, assisted living, home care insurance -- Carlos Serna, CLTC , Orange County      Click to request assistance
Newport Beach CA - California Medicare supplement insurance -- Craig Matesky , Orange County      Click to request assistance
Newport Beach CA - California Medicare advantage plan insurance -- Shelly Kapfhammer, CLTC , Orange County      Click to request assistance
Newport Beach CA - California Oregon Medicare drug plan insurance -- Thomas W. Gilbert, LTCP , Orange County      Click to request assistance
Newport Coast CA - California long term care insurance -- Joshua Britton , Orange County      Click to request assistance
Northridge CA - California nursing home, assisted living, home care insurance -- Alberta Bellisario, CEBS, CLU, LTCP, ChFC , Los Angeles County      Click to request assistance
Northridge CA - California Medicare supplement insurance -- Alexander Lessard, CLTC, CFP, ChFC, CLU , Los Angeles County      Click to request assistance
Novato CA - California Medicare advantage plan insurance -- Rebecca Brumbaugh, Marin County      Click to request assistance
Novato CA - California Oregon Medicare drug plan insurance -- David Kitaen, CLTC , Marin County.      Click to request assistance
Novato CA - California long term care insurance -- Marcella Leaton, CLTC , Marin County.      Click to request assistance
Novato CA - California nursing home, assisted living, home care insurance -- Nancy Abruzzo, CLTC , Marin County.      Click to request assistance
Oak Park CA - California Medicare supplement insurance -- John Martin, CLTC, CLU, LUTCF , Ventura County      Click to request assistance
Oak Park CA - California Medicare advantage plan insurance -- Marc Weisman, CLTC , Ventura County      Click to request assistance
Oakhurst CA - California Oregon Medicare drug plan insurance -- Petrushkin Independent Insurance, Madera County      Click to request assistance
Oakland CA - California Medicare advantage plan insurance -- ASI Premier Health Care Savings Plan, Alameda County      Click to request assistance
Oakland CA - California Oregon Medicare drug plan insurance -- Michael Fullam, EA, CSA, Alameda County      Click to request assistance
Oakland CA - California long term care insurance -- Anna Badger, CLTC , Alameda County      Click to request assistance
Oakland CA - California nursing home, assisted living, home care insurance -- Crystal Abramson , Alameda County      Click to request assistance
Oakland CA - California Medicare supplement insurance -- Daniel McElwain, CLTC, CSA , Alameda County      Click to request assistance
Oakland CA - California Medicare advantage plan insurance -- Gary A. Palmer , Alameda County      Click to request assistance
Oakland CA - California Oregon Medicare drug plan insurance -- Margueritte Amable, CLTC , Alameda County      Click to request assistance
Oakland CA - California long term care insurance -- Sara Duncan , Alameda County      Click to request assistance
Oceanside CA - California nursing home, assisted living, home care insurance -- Best California Health Plans, San Diego County      Click to request assistance
Ojai CA - California Medicare supplement insurance -- Kate Barnhart,CLTC, Ventura County      Click to request assistance
Ojai CA - California Medicare advantage plan insurance -- Mary Barnhart, CLTC , Ventura County      Click to request assistance
Ontario CA - California Oregon Medicare drug plan insurance -- Janise Graham, CLTC , San Bernardino County      Click to request assistance
Orange CA - California Medicare advantage plan insurance -- Al Limiac, CLTC , Orange County      Click to request assistance
Orange CA - California Oregon Medicare drug plan insurance -- Charles Alexander, CLTC , Orange County      Click to request assistance
Orange CA - California long term care insurance -- Don Burkhead, CLTC , Orange County      Click to request assistance
Orange CA - California nursing home, assisted living, home care insurance -- Joseph Hagler, CLTC , Orange County      Click to request assistance
Orange CA - California Medicare supplement insurance -- Thomas Reddemann, CSA, CFP, RFC , Orange County      Click to request assistance
Orangevale CA - California Medicare advantage plan insurance -- Carol McCollam, CLTC , Sacramento County      Click to request assistance
Orland CA - California Oregon Medicare drug plan insurance -- Julie Smith , Glenn County      Click to request assistance
Oxnard CA - California long term care insurance -- Eric C. Skaar , Ventura County      Click to request assistance
Pacific Palisades CA - California nursing home, assisted living, home care insurance -- Frederick Howarth, CLTC , Los Angeles County      Click to request assistance
Pacific Palisades CA - California Medicare supplement insurance -- Susanne Howarth, CLTC , Los Angeles County      Click to request assistance
Palm Desert CA - California Medicare advantage plan insurance -- Connie Christiansen, CLTC , Riverside County      Click to request assistance
Palm Desert CA - California Oregon Medicare drug plan insurance -- William Infante, CLTC , Riverside County      Click to request assistance
Palm Springs CA - California long term care insurance -- Joann Kowal , Riverside County      Click to request assistance
Palmdale CA - California nursing home, assisted living, home care insurance -- Curtis Davis, CLTC , Los Angeles County      Click to request assistance
Palos Verdes Peninsula CA - California Medicare supplement insurance -- Long Term Care Insurance, Los Angeles County      Click to request assistance
Pasadena CA - California Medicare advantage plan insurance -- Insure With Ed, Los Angeles County      Click to request assistance
Pasadena CA - California Oregon Medicare drug plan insurance -- Charles Ragonese, CLTC, CFS , Los Angeles County      Click to request assistance
Pasadena CA - California long term care insurance -- John W. Barrett , Los Angeles County      Click to request assistance
Pasadena CA - California nursing home, assisted living, home care insurance -- Jon Heimstra, CLTC , Los Angeles County      Click to request assistance
Pasadena CA - California Medicare supplement insurance -- Michael D. Erony, CSA , Los Angeles County      Click to request assistance
Paso Robles CA - California Medicare advantage plan insurance -- Kyle Hammerness, CLTC, FLC , San Luis Obispo County      Click to request assistance
Petaluma CA - California Oregon Medicare drug plan insurance -- Scott Tucker , Sonoma County      Click to request assistance
Pleasanton CA - California Medicare advantage plan insurance -- Allen Hamm, Superior LTC Certified, Alameda County      Click to request assistance
Pleasanton CA - California Oregon Medicare drug plan insurance -- Genworth Financial, Alameda County      Click to request assistance
Pleasanton CA - California long term care insurance -- Allen Hamm, CLTC , Alameda County      Click to request assistance
Pleasanton CA - California nursing home, assisted living, home care insurance -- Irene Mann, LUTCF, RHU, CSA , Alameda County      Click to request assistance
Pleasanton CA - California Medicare supplement insurance -- James Housman, CLTC , Alameda County      Click to request assistance
Pomona CA - California Medicare advantage plan insurance -- Gerald Busby , Los Angeles County      Click to request assistance
Port Hueneme CA - California Oregon Medicare drug plan insurance -- John Stensland, CLTC, CSA , Ventura County      Click to request assistance
Porter Ranch CA - California long term care insurance -- Michael Halverson, CSA , Los Angeles County      Click to request assistance
Rancho Mirage CA - California nursing home, assisted living, home care insurance -- Bill Proctor , Riverside County      Click to request assistance
Rancho Palos Verdes CA - California Medicare supplement insurance -- SERENE CAPITAL, Los Angeles County      Click to request assistance
Rancho Santa Margarita CA - California Medicare advantage plan insurance -- John Balsis, CLTC , Orange County      Click to request assistance
Rancho Santa Margarita CA - California Oregon Medicare drug plan insurance -- Ryan McLaughlin, CLTC , Orange County      Click to request assistance
Redding CA - California long term care insurance -- Kevin Wall, CLTC , Shasta County      Click to request assistance
Redding CA - California nursing home, assisted living, home care insurance -- Ronald Camplin, CLTC , Shasta County      Click to request assistance
Redlands CA - California Medicare supplement insurance -- All Health Insurance Service, San Bernardino County      Click to request assistance
Redlands CA - California Medicare advantage plan insurance -- McGlothlin Rod, San Bernardino County      Click to request assistance
Redlands CA - California Oregon Medicare drug plan insurance -- Scott Olson, CLTC, San Bernardino County      Click to request assistance
Redlands CA - California long term care insurance -- Michael Ryan, CLTC, CLU, ChFC, LUTCF, , San Bernardino County      Click to request assistance
Redondo Beach CA - California nursing home, assisted living, home care insurance -- Apply4medical.com, Los Angeles County      Click to request assistance
Redondo Beach CA - California Medicare supplement insurance -- Cecilia Lam, CLTC , Los Angeles County      Click to request assistance
Redwood City CA - California Medicare advantage plan insurance -- Dale O. Reynolds, Jr. , San Mateo County      Click to request assistance
Redwood City CA - California Oregon Medicare drug plan insurance -- Deanna Dooley , San Mateo County      Click to request assistance
Reseda CA - California Medicare advantage plan insurance -- MIFS Meyer Insurance & Financial Services, Los Angeles County      Click to request assistance
Rialto CA - California Oregon Medicare drug plan insurance -- ResQ Financial & Insurance Services, San Bernardino County      Click to request assistance
Ridgecrest CA - California long term care insurance -- Gary Charlon, CLTC , Kern County      Click to request assistance
Rio Linda CA - California nursing home, assisted living, home care insurance -- Kate H. Rice, LTCP, CSA , Sacramento County      Click to request assistance
Rio Vista CA - California Medicare supplement insurance -- Linda Lannon, CLTC , Solano County      Click to request assistance
Riverside CA - California Medicare advantage plan insurance -- Medi-Cal Consulting Services, Inc- Lisa Ramsey, Riverside County      Click to request assistance
Riverside CA - California Medicare advantage plan insurance -- Heather Pessoa-Bond, CLTC , Riverside County      Click to request assistance
Rocklin CA - California Oregon Medicare drug plan insurance -- Tony Leija, CLTC , Placer County      Click to request assistance
Roseland CA - California long term care insurance -- New York Life Insurance. Kristie J. Sheets, Sonoma County      Click to request assistance
Roseville CA - California nursing home, assisted living, home care insurance -- Bruce Ankley Insurance, Placer County      Click to request assistance
Roseville CA - California Medicare supplement insurance -- Marian Bayham, CLTC, LTCP, CSA, Placer County      Click to request assistance
Roseville CA - California Medicare advantage plan insurance -- Ruth Simpson, Superior LTC Certified, Placer County      Click to request assistance
Roseville CA - California Oregon Medicare drug plan insurance -- Satnam Singh, New York Life Insurance Co., Placer County      Click to request assistance
Roseville CA - California long term care insurance -- Bradley Baer, CLTC , Placer County      Click to request assistance
Roseville CA - California nursing home, assisted living, home care insurance -- John Eason, CLTC , Placer County      Click to request assistance
Roseville CA - California Medicare supplement insurance -- John Watts, CLTC, LUTCF , Placer County      Click to request assistance
Roseville CA - California Medicare advantage plan insurance -- Ned Thomas, CLTC , Placer County      Click to request assistance
S. San Francisco CA - California Oregon Medicare drug plan insurance -- Milton Lam, CLTC , San Mateo County      Click to request assistance
Sacramento CA - California long term care insurance -- Mutual Of Omaha, Sacramento County      Click to request assistance
Sacramento CA - California nursing home, assisted living, home care insurance -- Natomas Insurance, Sacramento County      Click to request assistance
Sacramento CA - California Medicare supplement insurance -- Sharon Goodwin, J.D., Sacramento County      Click to request assistance
Sacramento CA - California Medicare advantage plan insurance -- Bea Maurer , Sacramento County      Click to request assistance
Sacramento CA - California Oregon Medicare drug plan insurance -- Carol Costa-Smith, CLTC , Sacramento County      Click to request assistance
Sacramento CA - California Medicare advantage plan insurance -- Christopher Lo , Sacramento County      Click to request assistance
Sacramento CA - California Oregon Medicare drug plan insurance -- John Figlar, CLTC, LUTCF , Sacramento County      Click to request assistance
Sacramento CA - California long term care insurance -- John P. Figlar, CLTC, LUTCF , Sacramento County      Click to request assistance
San Anselmo CA - California nursing home, assisted living, home care insurance -- Golden Benefits Long Term Care, Marin County      Click to request assistance
San Bernardino CA - California Medicare supplement insurance -- Insured Invesments Advisors Group Inc., San Bernardino County      Click to request assistance
San Bruno CA - California Medicare advantage plan insurance -- Michael Garoutte, CLTC, CLU , San Mateo County      Click to request assistance
San Carlos CA - California Oregon Medicare drug plan insurance -- Long Term Care Partners & Insurance, San Mateo County      Click to request assistance
San Carlos CA - California long term care insurance -- Dan Altamirano, CLTC, CSA , San Mateo County      Click to request assistance
San Clemente CA - California nursing home, assisted living, home care insurance -- Linda Tracht, CLTC , Orange County      Click to request assistance
San Clemente CA - California Medicare supplement insurance -- Marian Chapla-Breault, CLTC, CSA , Orange County      Click to request assistance
Member of the CouncilSan Diego, CA    Tony Bevin, Financial Security Designs | Phone: (800) 286-7121   Contact Tony Bevin
San Diego CA - California Oregon Medicare drug plan insurance -- Judith K. Schreiber, San Diego County      Click to request assistance
San Diego CA - California Medicare supplement insurance -- Patty Born, MA,CEP, CSA, San Diego County      Click to request assistance
San Diego CA - California Medicare advantage plan insurance -- Renata Rosander, San Diego County      Click to request assistance
San Diego CA - California Oregon Medicare drug plan insurance -- Al Heck, CSA, ChFC , San Diego County      Click to request assistance
San Diego CA - California long term care insurance -- Andrea Santellan , San Diego County      Click to request assistance
San Diego CA - California nursing home, assisted living, home care insurance -- Andrew Raab, CLTC, CSA , San Diego County      Click to request assistance
San Diego CA - California Medicare supplement insurance -- Bill Hartman, CLU, ChFC, CFP , San Diego County      Click to request assistance
San Diego CA - California Medicare advantage plan insurance -- Bob Graham, CLTC, ChFC , San Diego County      Click to request assistance
San Diego CA - California Oregon Medicare drug plan insurance -- C. Bradshaw Davis, CLTC, ChFC, CLU , San Diego County      Click to request assistance
San Diego CA - California Medicare advantage plan insurance -- Chris Whaling, CLTC , San Diego County      Click to request assistance
San Diego CA - California Oregon Medicare drug plan insurance -- Donald Stanley, CLTC , San Diego County      Click to request assistance
San Diego CA - California long term care insurance -- Eunis Christensen MBA, CLTC, CSA , San Diego County      Click to request assistance
San Diego CA - California nursing home, assisted living, home care insurance -- G. Gregory Ervice , San Diego County      Click to request assistance
San Diego CA - California Medicare supplement insurance -- Josephine M. Pemberton , San Diego County      Click to request assistance
San Diego CA - California Medicare advantage plan insurance -- Kristin Westerman, CLTC , San Diego County      Click to request assistance
San Diego CA - California Oregon Medicare drug plan insurance -- Louis Main, Jr, CLTC , San Diego County      Click to request assistance
San Diego CA - California long term care insurance -- Marc Lampert, CLTC , San Diego County      Click to request assistance
San Diego CA - California nursing home, assisted living, home care insurance -- Matthew Shipman, CLTC , San Diego County      Click to request assistance
San Diego CA - California Medicare supplement insurance -- Patricia Ann Born, MA, CEP, CSA , San Diego County      Click to request assistance
San Diego CA - California Medicare advantage plan insurance -- Po-Shiang Liao, CLTC , San Diego County      Click to request assistance
San Dimas CA - California Oregon Medicare drug plan insurance -- A-Advantage Insurance Services by Gerry J Caccamo, Los Angeles County      Click to request assistance
San Francisco CA - California long term care insurance -- Criss Jurado-Bolstad, CLTC , San Mateo County      Click to request assistance
San Francisco CA - California nursing home, assisted living, home care insurance -- David G. Jeffrey , San Mateo County      Click to request assistance
San Francisco CA - California Medicare supplement insurance -- Josephine McGann, CLTC , San Mateo County      Click to request assistance
San Francisco CA - California Medicare advantage plan insurance -- May J. Toy, CLTC, CSA, CFS , San Mateo County      Click to request assistance
San Francisco CA - California Oregon Medicare drug plan insurance -- Sina Azari, CLTC , San Mateo County      Click to request assistance
San Gabriel CA - California long term care insurance -- QUAN Norman Insurance Agency, Los Angeles County      Click to request assistance
San Jose CA - California nursing home, assisted living, home care insurance -- Jeff Sloan CLTC, Santa Clara County      Click to request assistance
San Jose CA - California Medicare supplement insurance -- Cora Vecta , Santa Clara County      Click to request assistance
San Jose CA - California Medicare advantage plan insurance -- David Lowman, CLTC , Santa Clara County      Click to request assistance
San Jose CA - California Oregon Medicare drug plan insurance -- Elisabeth Whitney , Santa Clara County      Click to request assistance
San Jose CA - California Medicare supplement insurance -- Jim Valentine , Santa Clara County      Click to request assistance
San Jose CA - California Medicare advantage plan insurance -- Linda Smestad, CLTC , Santa Clara County      Click to request assistance
San Jose CA - California Oregon Medicare drug plan insurance -- Michael Adiutori, CLTC, CFP , Santa Clara County      Click to request assistance
San Jose CA - California long term care insurance -- Mitch Loran , Santa Clara County      Click to request assistance
San Jose CA - California nursing home, assisted living, home care insurance -- Stephen Lassman, CLTC, LUTCF , Santa Clara County      Click to request assistance
San Jose CA - California Medicare supplement insurance -- Veda Cassells-Jones, CLTC, CFP , Santa Clara County      Click to request assistance
San Juan Capistrano CA - California Medicare advantage plan insurance -- Frank Markley CLTC, Orange County      Click to request assistance
San Juan Capistrano CA - California Oregon Medicare drug plan insurance -- Fryer Health Insurance, Orange County      Click to request assistance
San Juan Capistrano CA - California Medicare supplement insurance -- Carol Gardner, CLTC , San Benito County      Click to request assistance
San Juan Capistrano CA - California Medicare advantage plan insurance -- Martin W. Hoffman, Ph.D , San Benito County      Click to request assistance
San Juan Capistrano CA - California Oregon Medicare drug plan insurance -- Marty Mead, CLTC, CSA , San Benito County      Click to request assistance
San Leandro CA - California long term care insurance -- Robinson-Cohn & Co., Alameda County      Click to request assistance
San Luis Obispo CA - California nursing home, assisted living, home care insurance -- SloHealthBroker.com, San Luis Obispo County      Click to request assistance
San Marcos CA - California Medicare supplement insurance -- Cory Stepanek, CLTC , San Diego County      Click to request assistance
San Marcos CA - California Medicare advantage plan insurance -- R. Jeffrey Crane, CLTC, LUTCF , San Diego County      Click to request assistance
San Mateo CA - California Oregon Medicare drug plan insurance -- Center for Long Term Care, San Mateo County      Click to request assistance
San Mateo CA - California long term care insurance -- John Hancock, San Mateo County      Click to request assistance
San Mateo CA - California nursing home, assisted living, home care insurance -- Denise Michaud, CLTC , San Mateo County      Click to request assistance
San Mateo CA - California Medicare supplement insurance -- Jennifer Uhl, CFP,CSA , San Mateo County      Click to request assistance
San Mateo CA - California Medicare advantage plan insurance -- John Palladino, CLTC , San Mateo County      Click to request assistance
San Rafael CA - California Oregon Medicare drug plan insurance -- Alan Jonas, Marin County      Click to request assistance
San Rafael CA - California Medicare supplement insurance -- Alan Jonas, CLTC, CFP , Marin County      Click to request assistance
San Rafael CA - California Medicare advantage plan insurance -- Ann Padover, CLTC , Marin County      Click to request assistance
San Rafael CA - California Oregon Medicare drug plan insurance -- David Brandt, CLTC , Marin County      Click to request assistance
San Rafael CA - California long term care insurance -- Ernest Bergman, CLTC, CFP, CSA , Marin County      Click to request assistance
San Rafael CA - California nursing home, assisted living, home care insurance -- Vivian Davis, CLTC , Marin County      Click to request assistance
San Ramon CA - California Medicare advantage plan insurance -- Celia Mason, JD, CSA, Contra Costa County      Click to request assistance
San Ramon CA - California Oregon Medicare drug plan insurance -- David White & Assoc., Contra Costa County      Click to request assistance
San Ramon CA - California Medicare supplement insurance -- Richard SanVicente, MBA, Contra Costa County      Click to request assistance
San Ramon CA - California Medicare advantage plan insurance -- Jon Allen, CLTC , Contra Costa County      Click to request assistance
San Ramon CA - California Oregon Medicare drug plan insurance -- Philip Santoro, CLTC, LUTCF , Contra Costa County      Click to request assistance
Santa Ana CA - California long term care insurance -- BCIS Insurance Services, Orange County      Click to request assistance
Santa Ana CA - California nursing home, assisted living, home care insurance -- Robert Quinlan, CFP, CSA, CLTC, Orange County      Click to request assistance
Santa Ana CA - California Medicare supplement insurance -- Alfred L. Goodman, Jr. , Orange County      Click to request assistance
Santa Ana CA - California Medicare advantage plan insurance -- Robert J. Quinlan, CFP, CSA , Orange County      Click to request assistance
Santa Barbara CA - California Oregon Medicare drug plan insurance -- Nancy Levin, Santa Barbara County      Click to request assistance
Santa Barbara CA - California long term care insurance -- Charles L. Arnold CLU, ChFC, CSA, LTCP , Santa Barbara County      Click to request assistance
Santa Barbara CA - California nursing home, assisted living, home care insurance -- Lori Takeuchi, CLTC , Santa Barbara County      Click to request assistance
Santa Clarita CA - California Medicare supplement insurance -- Stephen Cravitz, CLTC, CSA, LUTCF , Los Angeles County      Click to request assistance
Santa Cruz CA - California Medicare advantage plan insurance -- Dan E. Nicholas , Santa Cruz County      Click to request assistance
Santa Fe Springs CA - California Oregon Medicare drug plan insurance -- Lakhani Insurance Inc, Los Angeles County      Click to request assistance
Santa Maria CA - California Medicare supplement insurance -- Thomas B. Paine, LTCP , Santa Barbara County      Click to request assistance
Santa Monica CA - California Medicare advantage plan insurance -- Kimberly Wilkens Insurance Agency, Los Angeles County      Click to request assistance
Santa Monica CA - California Oregon Medicare drug plan insurance -- Shoff & Shoff Insurance Agency, Los Angeles County      Click to request assistance
Santa Monica CA - California long term care insurance -- Karen Shoff, MSW,MSG,LUTCF , Los Angeles County      Click to request assistance
Santa Monica CA - California nursing home, assisted living, home care insurance -- Kenneth L. Swartz, CSA , Los Angeles County      Click to request assistance
Santa Rosa CA - California Medicare supplement insurance -- Long Term Care, Sonoma County      Click to request assistance
Santa Rosa CA - California Medicare advantage plan insurance -- Eugene Arsenault, CLTC , Sonoma County      Click to request assistance
Santa Rosa CA - California Oregon Medicare drug plan insurance -- Robert Bradle CLTC, Sonoma County      Click to request assistance
Santee CA - California Medicare supplement insurance -- Virginia Paris, CLTC , San Diego County      Click to request assistance
Saratoga CA - California Medicare advantage plan insurance -- James Glass, CLTC, LUTCF, CSA , Santa Clara County      Click to request assistance
Sausalito CA - California Oregon Medicare drug plan insurance -- Sally Calef, CLTC , Marin County      Click to request assistance
Sebastopol CA - California long term care insurance -- Nancy Aita C.E.B.S. , Sonoma County      Click to request assistance
Sherman Oaks CA - California nursing home, assisted living, home care insurance -- Carole Heath, CLTC , Los Angeles County      Click to request assistance
Sherman Oaks CA - California Medicare supplement insurance -- Daniel Warren, CLTC , Los Angeles County      Click to request assistance
Sherman Oaks CA - California Medicare advantage plan insurance -- Franklin Taylor, CLTC, ChFC, CLU , Los Angeles County      Click to request assistance
Sherman Oaks CA - California Oregon Medicare drug plan insurance -- George Alexopoulos, CLTC, LUTCF, CLU , Los Angeles County      Click to request assistance
Sherman Oaks CA - California long term care insurance -- Shulem Westerman, CLTC, LUTCF , Los Angeles County      Click to request assistance
Simi Valley CA - California nursing home, assisted living, home care insurance -- American United Life, Ventura County      Click to request assistance
Simi Valley CA - California Medicare supplement insurance -- Frank Bland Insurance Services Health Insurance, Ventura County      Click to request assistance
Soquel CA - California Medicare advantage plan insurance -- Long Term Care Insurance, Santa Cruz County      Click to request assistance
Spring Valley CA - California Oregon Medicare drug plan insurance -- Patricia L. Spencer, CSA, CLTC, LTCP , San Diego County      Click to request assistance
St. Helena CA - California Medicare supplement insurance -- Christopher Lynch, CLTC , Napa County      Click to request assistance
Stockton CA - California Medicare advantage plan insurance -- Myles Harris, CLTC , San Joaquin County      Click to request assistance
Sunland CA - California Oregon Medicare drug plan insurance -- PGH Insurance Marketing, Los Angeles County      Click to request assistance
Sunland CA - California long term care insurance -- Cathy Bandurraga-Down, CLTC , Los Angeles County      Click to request assistance
Sunnyvale CA - California nursing home, assisted living, home care insurance -- Sandy Agbayani, CLTC , Santa Clara County      Click to request assistance
Tecate CA - California Medicare supplement insurance -- Punta Banda Elder Care, San Diego County      Click to request assistance
Temecula CA - California Medicare advantage plan insurance -- Allen Camhi , Riverside County      Click to request assistance
Temecula CA - California Oregon Medicare drug plan insurance -- Stacy Hornung-Kazmierczak, CLTC , Riverside County      Click to request assistance
Temple City CA - California Medicare supplement insurance -- Lumbert Insurance Services, Los Angeles County      Click to request assistance
Thousand Oaks CA - California Medicare advantage plan insurance -- American Association for Long-Term Care Insurance, Ventura County      Click to request assistance
Thousand Oaks CA - California Oregon Medicare drug plan insurance -- I C Insurance, Ventura County      Click to request assistance
Thousand Oaks CA - California long term care insurance -- Gene Mahn, CLTC, ChFC, CLU, LUTCF , Los Angeles County      Click to request assistance
Thousand Oaks CA - California nursing home, assisted living, home care insurance -- Glenn Nitti , Los Angeles County      Click to request assistance
Thousand Oaks CA - California Medicare supplement insurance -- Linda Arnheiter, CLTC , Los Angeles County      Click to request assistance
Thousand Oaks CA - California Medicare advantage plan insurance -- Ronald Grant, CLTC, CSA , Los Angeles County      Click to request assistance
Tiburon CA - California Oregon Medicare drug plan insurance -- Alice Barton, CLTC , Marin County      Click to request assistance
Torrance CA - California long term care insurance -- Amsinsure.com, Los Angeles County      Click to request assistance
Torrance CA - California nursing home, assisted living, home care insurance -- Susan Reyes Guan, SRES, Los Angeles County      Click to request assistance
Torrance CA - California Medicare supplement insurance -- Farid Mokhtarian, CLTC , Los Angeles County      Click to request assistance
Tracy CA - California Medicare advantage plan insurance -- Ameriplan Health & Dental, San Joaquin County      Click to request assistance
Tracy CA - California Oregon Medicare drug plan insurance -- Geronimo Malogan, CLTC , San Joaquin County      Click to request assistance
Tustin CA - California Medicare supplement insurance -- Lenore C. Simon, CLTC , Orange County      Click to request assistance
Upland CA - California Medicare advantage plan insurance -- M & K, San Bernardino County      Click to request assistance
Upland CA - California Oregon Medicare drug plan insurance -- Sunlit Gardens Assisted Living, San Bernardino County      Click to request assistance
Upland CA - California long term care insurance -- Julie Lane, CLTC , San Bernardino County      Click to request assistance
Upland CA - California nursing home, assisted living, home care insurance -- Matt McDonagh, CLTC , San Bernardino County      Click to request assistance
Vacaville CA - California Medicare supplement insurance -- Bruce Jones, Solano County      Click to request assistance
Valencia CA - California Medicare advantage plan insurance -- Downing Tax & Financial Services-Robert Downing, Los Angeles County      Click to request assistance
Van Nuys CA - California Oregon Medicare drug plan insurance -- Randi Edwards King, CLTC, LUTCF , Los Angeles County      Click to request assistance
Ventura CA - California Medicare supplement insurance -- Angel F Banuelos HBW Insurance & Financial Service, Ventura County      Click to request assistance
Ventura CA - California Medicare advantage plan insurance -- Best Access Insurance, Ventura County      Click to request assistance
Ventura CA - California Oregon Medicare drug plan insurance -- Fairway Health Insurance Services, Ventura County      Click to request assistance
Ventura CA - California long term care insurance -- Connie Lou Ornelas, CLTC, CPA , Ventura County      Click to request assistance
Ventura CA - California nursing home, assisted living, home care insurance -- Ellen M. Scher, CSA , Ventura County      Click to request assistance
Ventura CA - California Medicare supplement insurance -- James Friedman, CLTC, CLU, ChFC , Ventura County      Click to request assistance
Ventura CA - California Medicare advantage plan insurance -- Robert Brodie, CLTC , Ventura County      Click to request assistance
Victorville CA - California Oregon Medicare drug plan insurance -- Armstrong Insurance Services, San Bernardino County      Click to request assistance
Visalia CA - California long term care insurance -- Anthem Blue Cross, Michael Boni - Authorized Agent, Tulare County      Click to request assistance
Vista CA - California nursing home, assisted living, home care insurance -- D. Jean Moore, CLTC, CSA , San Diego County      Click to request assistance
Walnut Creek CA - California Medicare supplement insurance -- Robert Lumley, Contra Costa County      Click to request assistance
Walnut Creek CA - California Medicare advantage plan insurance -- Vincent Schantz, Contra Costa County      Click to request assistance
Walnut Creek CA - California Oregon Medicare drug plan insurance -- Jan Brennan, CLTC , Contra Costa County      Click to request assistance
Walnut Creek CA - California Medicare supplement insurance -- Marilyn Ott, CLTC , Contra Costa County      Click to request assistance
Walnut Creek CA - California Medicare advantage plan insurance -- Pamela Cartago, CLTC , Contra Costa County      Click to request assistance
Walnut Creek CA - California Oregon Medicare drug plan insurance -- Randi Carmen, CLTC , Contra Costa County      Click to request assistance
Walnut Creek CA - California long term care insurance -- Rick Alvarez, CLTC , Contra Costa County      Click to request assistance
Walnut Creek CA - California nursing home, assisted living, home care insurance -- Vincent Schantz, CMT, CSA, LTCP, CAA , Contra Costa County      Click to request assistance
West Hills CA - California Medicare supplement insurance -- John Todaro, CLTC, CLU, ChFC, LUTCF , Los Angeles County      Click to request assistance
Westlake Village CA - California Medicare advantage plan insurance -- Cerami Joseph M - Wstlk Vlg, Ventura County      Click to request assistance
Westlake Village CA - California Oregon Medicare drug plan insurance -- Brian Gittler, CSA , Los Angeles County      Click to request assistance
Westlake Village CA - California Medicare supplement insurance -- Carol Dale, CLTC , Los Angeles County      Click to request assistance
Westlake Village CA - California Medicare advantage plan insurance -- Curtis Neumann, CLTC, LUTCF , Los Angeles County      Click to request assistance
Windsor CA - California Oregon Medicare drug plan insurance -- Aaron Carlson, CLTC , Sonoma County      Click to request assistance
Windsor CA - California long term care insurance -- Pamela DeMarco, CSA , Sonoma County      Click to request assistance
Woodland Hills CA - California nursing home, assisted living, home care insurance -- Northwestern Mutual Financial Network, Los Angeles County      Click to request assistance
Woodland Hills CA - California Medicare supplement insurance -- Stan Goldhammer, CLTC, Los Angeles County      Click to request assistance
Woodland Hills CA - California Medicare advantage plan insurance -- Arthur Warschaw, CLTC, CFP , Los Angeles County      Click to request assistance
Woodland Hills CA - California Oregon Medicare drug plan insurance -- Frank Barnes, CLTC, LUTCF , Los Angeles County      Click to request assistance
Woodland Hills CA - California long term care insurance -- Linda Witham, CLTC, CFP, CLU, ChFC , Los Angeles County      Click to request assistance
Woodland Hills CA - California nursing home, assisted living, home care insurance -- Robin Palmer, CLTC, CSA , Los Angeles County      Click to request assistance
Woodland Hills CA - California Medicare supplement insurance -- Steven Cain, CLTC , Los Angeles County      Click to request assistance
Yorba Linda CA - California Medicare advantage plan insurance -- Craig Lyman, CLTC , Orange County      Click to request assistance
Yorba Linda CA - California Oregon Medicare drug plan insurance -- John Michael James , Orange County      Click to request assistance
Yorba Linda CA - California Medicare supplement insurance -- Michael S. Donenfeld, CSA, CLU, ChFC , Orange County      Click to request assistance
Yuba City CA - California Medicare advantage plan insurance -- George Tarwater, CLTC , Sutter County      Click to request assistance
Yuba City CA - California Oregon Medicare drug plan insurance -- Glenn Cochrane, RFC, CLTC, Sutter County      Click to request assistance

 

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For the convenience of the public, care providers are listed on this page to show services available in a particular area. We cannot verify the business practice or the background of providers listed on this page. As a result, we do not provide contact information. Members of the California Care Planning Council, listed on this site, have agreed to abide by a code of ethics. If you wish to contact a member of the California Care Planning Council regarding any of the eldercare services listed on this page, please fill out the form below and a council member will contact you. Please be aware that your information may be shared with other members of the Care Planning Council who might be able to help you as well. Read Our Disclaimer.

 

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The California Care Planning Council (CaCPC) lists companies and individual providers on this website who help families deal with the crisis and burden of long term care. One purpose of this website is to educate the public on the need for care planning before a crisis occurs. A second purpose is to provide, in one place, all of the available government and private services for eldercare. Finally, our ultimate mission is to offer a trusted listing service that the public will recognize and turn to for expert help in dealing with the challenges of long term care.

 
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About Financial and Insurance Ideas and Help

 

Protecting Assets from Nursing Home Costs
Government Programs That Allow for Family Members to Provide Care
Veterans Administration Long Term Care Reimbursement for 1/3 of all Seniors
Contingency Funds for Long Term Care Costs
Protecting Assets from Medicaid Recovery
Life Insurance and Annuities for Estate Planning and Long Term Care
Finding Money through Life Settlements
Long Term Care Insurance
The Use of Reverse Mortgages
Asset Transfers to Qualify for the Veterans Aid and Attendance Benefit
Medicaid or VA Benefits and an Unoccupied Home
When the Value of the House Exceeds $500,000 ($750,000 in Some States)
Medicare Supplements, Medicare Advantage Plans and Drug Plans
Insurance for Long Term Care
Insurance for Medicare

 

Protecting Assets from Nursing Home Costs

Nursing homes are extremely expensive. Depending on the geographic area, costs can range from $4,000 a month to $7,000 a month and in some areas in the Northeast, nursing home costs can be as much as $10,000 to $12,000 a month. Any retirement savings a nursing home resident has accumulated are often quickly depleted.

A vast majority of Americans simply don't have the money to pay for any more than a few months of nursing home care and they must eventually rely on Medicaid to make up the difference between their income and the cost of the facility. Medicaid requires an eligible beneficiary to have less than $2,000 in liquid assets.

This means any savings or investments must be spent first before Medicaid takes over. If there is a spouse at home, there are special impoverishment rules that allow that spouse to keep a certain amount of assets and income, but oftentimes these spousal allowances result in a significant reduction in the standard of living for the healthy spouse. In addition, members of the family who provide long term care care services and housing prior to the need for a nursing home are not recognized by Medicaid for their sacrifice and they are not allowed to receive any transfers of money from the Medicaid recipient or the spouse.

There are legal ways to transfer more money or income to a healthy spouse or to transfer assets to family members. Medicaid does not share these strategies with the public. But there are attorneys and specialists who do understand Medicaid transfer rules and can help with providing more for a healthy spouse or transferring assets to other deserving family members.

Our area Directors are familiar with these strategies and can either provide direct information or send the public to members of the State Care Council who specialize in this area.

 

Government Programs That Allow for Family Members to Provide Care

Both Medicaid and the "Veterans Aid and Attendance Benefit" allow a long term care recipient to pay members of the family to provide legitimate care. This can be an effective way of recognizing the sacrifice of family members who care for their loved ones by transferring assets to them in the form of payments for care. Otherwise -- primarily with Medicaid -- money cannot be directly gifted to family members without creating an eligibility penalty. In addition, with the Veterans Aid and Attendance Program, money paid to family members can usually be replaced in the form of additional income to the veteran household.

Our area Directors understand this "hired family caregiver" concept and can help you find a specialist to set up such arrangements.

Veterans Administration Long Term Care Reimbursement for 1/3 of all Seniors

At least 33% of all seniors age 65 and older could qualify for a little-known veterans benefit called "Aid and Attendance Pension Benefit." That's how many war veterans or their single surviving spouses there are in this country. Under the right circumstances, these veteran households could qualify for up to $1,800 a month in additional income to help pay the costs of long term care.

State service area Directors are familiar with this program and can explain it to interested individuals as well as directing those individuals to the person who can help them.

 

Contingency Funds for Long Term Care Costs

According to some sources, at least 60% of all individuals in this country will experience the need for long term care services. In many cases, this care might only last for a few weeks or months. But for those unfortunate individuals where care lasts for years, the financial cost can be significant. In many cases, retirement savings accounts are completely wiped out.

A good strategy for preparing for this eventuality in old age is to set aside money when one is young and is working. Congress is also toying with the idea of allowing such contingency funds to accumulate and be used for long term care, free from taxes. If this happens, this might provide an additional incentive for people to save for the need for long term care.

Our area managers understand the concepts of periodic purchase savings and the power of compounded interest earnings. They can explain how such a contingency fund code be set up, where it could be invested and how much would be required yearly or monthly to provide adequate funds in old age.

 

Protecting Assets from Medicaid Recovery

As far as we know, Medicaid is the only government entitlement program that attempts to go after a beneficiary’s home after that person dies. Medicare, Social Security, disaster relief, crop subsidies, income assistance and a host of other government support programs do not place liens against someone's property after they die to repay the government for the money it spent on that person's behalf. A great amount of the money for government support programs does not come from beneficiary contributions but directly from the general budget. This includes Medicare and Social Security. Yet, Medicaid appears to be the only program that tries to recover these general budget dollars.

As unfair and inequitable as Medicaid recovery is, it is still a reality that must be dealt with. There are legal ways to keep property out of the hands of Medicaid recovery. Our area Directors are familiar with these concepts and can arrange for specialists to help retain property from Medicaid recovery.

 

Life Insurance and Annuities for Estate Planning and Long Term Care

 

Deferred Annuities Provide Tax Advantages and Potentially Better Earnings
The appeal of deferred annuities is the deferral of taxes on earnings until money is withdrawn or the annuity is converted into a guaranteed income stream. Deferred annuities can also avoid probate if the owner chooses not to create a living trust for this purpose. As a general rule, annuities have the potential of producing an average yearly rate of return somewhat better than a bank CD or savings account. Annuity returns also tend to be more stable than short-term savings.

Life Insurance for Long Term Care Planning
Life insurance companies have become more competitive in recent years for policies issued on people over age 70. Good health is still a major consideration for low premiums but policies have been redesigned to provide more death benefit and less cash value. Some term policies and certain universal life permanent policies are designed to provide a guaranteed death benefit up to age 95 with a guaranteed premium and no cash value at all. This design generally results in more death benefit for each premium dollar. Also, policies designed for couples -- second-to-die policies -- can provide a significant amount of insurance for a one-time single premium even if one of the partners is in very poor health.

An important concept to consider is that single premium life policies with no cash value and purchased for estate planning purposes, many years in advance of applying for Medicaid, can be a valuable planning tool if the need for Medicaid arises. Medicaid does not apply the death benefit of a life insurance policy to the asset spend down rule. But the cash value of any policy that has more than $1,500 in cash will count towards the asset test and could disqualify a Medicaid applicant. As an example, a person could have $1 million of life insurance with cash value less than $1,500 and it would not prevent that person from receiving Medicaid. However, cash value of more than $1,500 in this example will apply toward the asset test. It is important to know, for planning purposes, that people who apply for Medicaid and then transfer assets to a life insurance policy, while they are going through spend down, could be in violation of their state' s Medicaid transfer rules and such an act may disqualify the applicant.

Life insurance can be used as an alternative for funding the cost of long term care. If someone planning for the eventuality of long term care is concerned about losing assets that would normally be passed on to the children or be needed by a surviving spouse, that person can invest a portion of those assets in life insurance and leverage a death benefit payout -- sometimes for up to $3.00 in death benefit for every $1.00 in single premium. The death benefit is also income tax-free. A person creating such an estate can then use remaining assets for long term care needs in the future but still be assured that the children or a surviving spouse will receive an inheritance at death through the life insurance. And, as discussed above, if the money runs out and Medicaid has to start picking up the costs, a single premium life insurance policy with less than $1,500 cash value will not disqualify the applicant owning the policy

Another use for life insurance for the elderly is in paying the cost of final expenses such as funeral and burial. A number of companies will issue policies without any health questions for people who may not have very long to live. Most of these policies will provide little or no death benefit in the first two years after issue and so there is some risk, but most companies will also return the premiums paid if death occurs in the first two years.

IRA or 401(k) Income Life Annuity to Buy Life Insurance
Tax qualified investments such as IRAs, 401(k)s, Tax Sheltered Annuities and other plans are great for saving taxes while one is working but many seniors find they don't need that money during retirement and they may want to pass on some of this tax sheltered money to their children. New "stretch IRA" rules have made it easier to reduce the immediate tax burden on these transfers at death but income tax that was deferred must still be paid. The income tax on these transferred assets can eat up a significant portion of the investment.

One way to create a tax-free transfer at death is to convert the IRA or 401(k) into a life annuity income while the owner is alive and use part of the income to purchase a life insurance policy that would equal the amount of money in the IRA -- intended as an inheritance. A life insurance death benefit is income tax-free and thus the loss of a significant part of the account to taxes has been avoided.

Medicaid Spend down for Funeral Trust
Medicaid will allow a Medicaid applicant to transfer a certain amount of assets into a trust that will pay for funeral and/or burial costs at death. In many states the maximum allowable amount is $15,000. These trusts are often funded with special life insurance policies. The trust must be irrevocable and meet Medicaid rules for such trusts.

Medicaid Annuities
If one spouse in a couple needs long term care costs to be covered by Medicaid, the couple must divide combined assets in half and the spouse needing care must spend his or her half of the assets down to less than $2,000 remaining. This loss of assets may reduce the standard of living for the healthy spouse at home.

Medicaid will allow the spouse needing care to convert his or her share of the assets into an income annuity that belongs to the healthy spouse. This legal strategy provides the healthy spouse with more income and avoids the impoverishment imposed by the spend down. These annuities must meet strict rules imposed by Medicaid and an expert in this area should be sought out.

In the past, advisers also recommended these income annuities for single Medicaid beneficiaries in order to transfer some of the spend down assets to members of the family at the death of the annuitant. The Deficit Reduction Act of 2006 changed the rules for these single Medicaid beneficiary annuities and did away with their use as a planning tool for asset transfers. Under certain circumstances partial transfers can still be done using a Medicaid beneficiary income annuity called a "half-a-loaf" transfer. As with a spouse annuity, an expert should be sought in order to make sure this is done properly.

Medicaid Anticipation Deferred Annuity
Money can be invested in deferred annuities anticipating the eventual annuitization (conversion into guaranteed income) for Medicaid purposes. Many practitioners set up these investments inside of living trusts which also avoid probate. These deferred annuities should be designed so that the money can be turned into a guaranteed income stream for either spouse of a couple. The income stream must go to the healthy spouse -- the one not requiring Medicaid assistance.

Charitable Annuity Remainder Trusts
Many people have investment property that has accrued a significant capital gains tax liability in the event of a sale. Some people prefer to give their assets to charity and a charitable remainder trust is a way to transfer property with capital gains liability to a charity and avoid the taxes. These arrangements also include a lifetime income option for the individual or couple making the donation. The charity provides the income and in many cases will use a single premium income annuity to create the monthly cash flow. In the case where a person receiving this income anticipates needing Medicaid or the VA benefit in the future, the income must be set up as an irrevocable annuity and the charity must be the owner and not allow the annuitant any control over the income.

State service area Directors are familiar with all of these life insurance and annuity products and concepts and help the public understand the various options and find suitable products if necessary.

 

Finding Money through Life Settlements

In recent years, a large and growing industry has emerged where major investment groups, mutual funds or hedge funds purchase the life insurance policies owned by older Americans. The purchasers become the new owners and beneficiaries for the death benefits of these purchased policies. They also take over paying the premiums. This is a legitimate investment in the death of another person. The investor will pay the insured 20% to 80% of the face value of the policy depending on the age and health of the seller.

The purchaser must be able to invest in a large number of policies and must be able to reasonably predict when death will occur for those policies. Historic death rates typically enable determination of what costs should be put into purchasing the policy and paying for premiums in order to achieve a reasonable investment return in the payout of the death benefits.

Policies generally have to have a face value of more than $100,000 and in order to receive a reasonable purchase price for the policy, the owner should not be expected to live much longer than three to five years. For those life insurance owners who also need long term care, this is an excellent way to free up money to pay for the immediate costs of that care.

Our area Directors understand life settlements and can help the public directly or find specialists in this area of expertise.

 

Long Term Care Insurance

We discussed above the use of a contingency fund, begun early in life, to pay for long term care in later years. The most efficient and the least expensive way to pay for care, is to purchase long term care insurance. For every $1.00 put into a contingency fund, $.10 could be put into a long term care insurance policy and produce the same dollar benefit at age 75. Or stated another way, a long term care insurance policy could produce 10 times more benefit than the same money put into a contingency fund. Some policies also allow return of premiums at death if the policy benefits are not fully utilized.

Area Directors are knowledgeable about long term care insurance and can discuss this as an option for family members of seniors needing care. Family members confronting the need for care for loved ones often see the need for planning for themselves and if they are under the age of 65, long term care insurance should be a major part of that planning.

 

The Use of Reverse Mortgages

Most elderly homeowners fail to recognize the value of a reverse mortgage. If you ask individuals what their largest investment is, most people will answer, "their home." But the equity in a home is only an investment when you can get to it. Unfortunately, equity is not liquid and the only way in the past for people to cash out equity was to sell their home. However, much of that equity cash had to be used to rent a new home, pay for facility care or purchase a new residence. In other words, the freed equity ended up being locked-up again because of the need of retaining a place to live in.

A reverse mortgage allows a property owner to remain in his or her home but still get to the equity with no risk, no income requirements, no credit check and no monthly payments.
Most people who are doing reverse mortgages are seeking the money in order to pay off an existing mortgage or pay off debt. Many more should be using their equity to pay for long term care and remain in their homes. Money should also be used for the single premium life insurance strategies we discussed above. For healthy seniors, reverse mortgage money could also be used to purchase long term care insurance.

Reverse mortgage money used to purchase a single premium income annuity or left in the mortgage line of credit will not bar that person or his or her spouse from qualifying for Medicaid.

Area Directors have an understanding of reverse mortgages and can provide information and possibly quotes for those who are interested in pursuing this as a funding option.

 

Asset Transfers to Qualify for the Veterans Aid and Attendance Benefit

Even though 1/3 of seniors could qualify for the aid and attendance benefit, they must meet an income and asset test. It is not usually difficult to meet the income test if the veteran or the veteran's surviving spouse incurs the high cost of long term care. These ongoing care costs can be subtracted from income to meet that test. However, assets in excess of $80,000 will disqualify applicants. And any level of assets below $80,000 could block a claim depending on the decision of the VA employee processing that claim. A home, vehicle and personal property are exempt from this asset test.

Applicants can give away assets or convert those assets to income and VA will not penalize them as with Medicaid. And unlike Medicaid there is no look back penalty period either. But these transfers have to be done correctly. It is also extremely important that any transfers meet Medicaid transfer rules, since it is highly possible that the VA beneficiary might also need to apply for Medicaid inside the five-year look back for asset transfers.

Area Directors understand the rules governing the veterans aid and attendance benefit and Medicaid and can help potential applicants by providing information or directing those applicants to someone who can provide that information.

 

Medicaid or VA Benefits and an Unoccupied Home

In most states Medicaid will allow a single Medicaid beneficiary to leave his or her primary residence unoccupied while that person is residing in a facility. Not living in the home does not disqualify a person from receiving Medicaid in most states. VA takes the same attitude when someone is receiving the aid and attendance benefit in a facility.

Any rental income from an unoccupied home must be counted as income for both programs and could create a problem with eligibility. The family could also be tempted to sell the residence which would then create assets that would disqualify the recipient for both programs -- Medicaid and VA. Finally, family members might transfer the title to the property which would also disqualify the Medicaid recipient and cause problems with the VA benefit.

Our area Directors understand this issue and can offer information on how to protect the home and what to do with the home in order to avoid losing the benefit from either Medicaid or VA.

 

When the Value of the House Exceeds $500,000 ($750,000 in Some States)

Any single person applying for Medicaid in a facility, and owning a house worth more than $500,000 ($750,000 in some states) is ineligible for Medicaid assistance. This is only the case where the house is not occupied by a spouse or other qualifying dependent. Apparently, the intent of this rule is to have the house sold and the proceeds used towards paying the facility care before Medicaid needs to take over. This is a new rule and its application in practice is going to be difficult for some applicants to handle due to a number of underlying problems associated with disposing of the property.

Area Directors can provide information or send family members to a specialist who can help with the problems associated with disposing of the property, reducing its value or otherwise finding a way around this rule.

 

Medicare Supplements, Medicare Advantage Plans and Drug Plans

Area Directors can offer information or insurance plans for Medicare or these directors work closely with specialists who can provide information and insurance plans.

Long term Care Insurance-- Why Should You Buy It?

  1. It will help you keep your independence and dignity. Here's how. . . some of you will spend all your assets on care while others plan to give their money away or put it in trust. With no assets you will now qualify for a welfare program called Medicaid. Medicaid typically pays for a semiprivate room in a nursing home, and; not all nursing homes take Medicaid patients. In many states it's not easy to get Medicaid to cover home care or pay for assisted living. Many people want to stay at home, but with Medicaid may not be able to. And assisted living is rapidly becoming a preferred alternative to nursing home care for certain disabilities but Medicaid may insist on a nursing home instead. 
  2. If you are married and you have a need for long term care, your spouse may be forced to pay for an outside caregiver. The cost is likely to come from your combined income and assets. If the need for paid care drags on too long, your spouse may be left with minimal cash assets for future needs. Insurance solves this problem and allows your spouse to keep the assets.  
  3. Many healthy caregiving spouses won't spend their money and choose to "tough it out" on their own without help. If care of a disabled spouse drags on too long, this can have a devastating effect on the physical and emotion health of the caregiver.
  4. Surveys reveal that healthy caregivers often don't spend their money for help but they will use insurance if available. Insurance allows the healthy caregiver to buy much-needed respite from paid professionals, while at the same time, retaining the assets and possibly avoiding an early death from the mental and physical stress of care giving. 
  5. If your children or extended family promise to take care of you if the time comes that you need care, insurance will help them do that. Probably neither you nor your children have thought of the prospects of moving you from place to place, changing your dirty diapers, cleaning up after "accidents" in the bathroom or helping you with bathing and dressing. Insurance will pay for aides to help with these tasks.
  6. If you are single and a need for long term care arises, insurance can pay for and coordinate that care. With insurance you won't have to feel you would be a burden for family or friends. 
  7. If you have the desire to leave assets behind when you die, insurance will help preserve those assets from the cost of long term care.

How to Buy Long Term Care insurance

There are hundreds of long term care insurance companies selling hundreds of different types of policies. It can become very confusing. There are various conditions for home care and nursing home care, waiting periods, qualifying periods, inflation clauses and the list goes on. Here is a checklist of some of the things you need to know before you purchase a policy.

LONG TERM CARE INSURANCE BUYING CHECKLIST
the more "yes" answers you get the better off you are  

•  Is the insurance company rated at least A, A+ or A++ by A.M. Best?
•  Is it a large diversified company selling more than just long-term care insurance?
•  Is the insurance representative an expert in long-term care insurance? (Because of its complexity, almost all LTCi experts only sell LTCi; they seldom sell anything else.)
•  Does the representative own a personal long-term care insurance policy?
•  Is the policy you like tax qualified and if not, do you understand the ramifications?
•  Are there at least 6 ADL's allowed for certification?
•  Does it allow "standby assistance"?
•  Is it a "pool of money" as opposed to a "stated period"?
•  Do you understand how the elimination period works? (This is extremely important.)
•  Does it have an absence of prohibitive cost containment provisions?
•  Is there an absence of "capping" of automatic benefit increase riders?
•  Do you understand how the waiver of premium works?
•  Does the assisted living facility benefit pay the same as for nursing home?
•  Are you buying adequate home care coverage?
•  Does the company lack a history of rate increases?
•  Does the policy pay for homemaker services?
•  Are the requirements for providers of home care reasonable and not excessively strict?

•  Does the policy offer an alternative plan of care for coverage that doesn't exist today?

Underwriting Individual Policies

The uniform insurance code adopted by all states requires individual policies to be fully and medically underwritten. This means an insurance company must verify, through means legally available, the applicant's medical history, lifestyle and potential for cognitive impairment prior to issuing the policy. Once this has been done the company cannot refuse to pay claims based on a condition that did not exist at the time of application. On the other hand the underwriting process also allows a company to refuse to cover someone who poses a significant risk for future claims. The underwriting process prevents the future denial of claims based on the fact that the insurance company was unaware of the risk at the time that it issued the policy. The insurance code also allows a company to defer coverage for pre-existing conditions, after issue of the policy, for a certain time period, say six months. The majority of insurance companies do not use pre-existing conditions and for the majority of companies, the policy is in effect at the time it is paid and issued .

Companies are protected from fraud by being able to deny claims if an applicant deliberately withheld information that would have affected whether the policy would have been issued or not. If an applicant in good faith did not reveal information that would not have significantly affected the issuing of a policy, then the insurance company cannot challenge any future claims after the policy has been in force two years or longer. If an applicant did not state his or her age properly, the policy benefits will be altered to reflect the amount of benefit the premium would have bought at the correct age.

Unlike life insurance companies which often rely heavily on medical exams and current health to issue a policy, long-term care companies rely heavily on medical records and the history of past medical conditions. For older ages, companies also use a phone interview or schedule a personal interview with a nurse. In the interview the company is looking for lifestyles, activities and hobbies or pursuits to indicate whether a person is already partially disabled or not. The phone interview also helps keep agents honest who for the sake of trying to get a policy issued may have deliberately downplayed or excluded information on the application that could affect whether a policy is issued or not. Finally, the insurance company is extremely interested in whether a person is struggling with short term memory problems. The phone interview is designed to uncover this and if it is suspected a person has cognitive impairment of any kind, the interviewer will conduct a cognitive impairment survey.

In the past, companies have been more liberal in issuing policies than they are today. This change of attitude has probably come from the companies misjudging the amount of current claims resulting from more liberal, past underwriting assumptions. Because of this change, if you are thinking about buying long-term care insurance and are in good health, but you are delaying buying it for whatever reason, you should not wait until your health changes because it may be too late at that point to buy it. You should buy it now.

Rate Creep

In recent years long-term care insurance companies have been following a pattern of designing new policy forms about every two years. Part of the reason for new policies superseding old ones is that companies want to offer newer and better benefits. But I also believe that the issuing of new policies is a way to cover the increasing costs of claims. Almost without exception the new policies are more expensive at the same age than the old ones were. Many companies are reluctant to raise rates on existing policyholders and a few of them are even advertising it as part of their sales process. These companies are claiming they have never raised rates on any policies some dating back as far as twenty years.

The new code-mandated application process also requires companies to disclose in writing to the applicant, whether there have been any rate increases on existing policyholders and the details of these rate increases. Because of these pressures to not raise existing rates, I believe companies can only cover increased costs by having new policyholders subsidize the policies of previous insureds. This is certainly an advantage to existing policyholders who are concerned about future rate increases, but new policyholders are paying higher rates at the same age than existing policyholders would have paid on the old policy at that same age. This is all the more reason to buy insurance now instead of delaying the purchase. The combination of higher rates at an older age as well as higher premiums due to rate creep, could make the delayed purchase of insurance a very expensive decision.

Underwriting and Pricing Group Policies

So-called large group policies, policies offered through very large employers, are not medically underwritten when people sign on during the initial enrollment period. The question is how do companies control their risk of not getting too many people who have health problems and who may cause a large number of future claims? This is done in two ways. First, there is a concerted effort to get as many employees to sign on as possible. This helps dilute the number of people who have health problems, who would naturally be attracted to the coverage, with people who are healthy. Unfortunately, large group plans are only signing up about 6% of eligible employees nationwide. This low participation rate does not significantly weed out the ratio of unhealthy to healthy applicants and so the insurance companies offering group plans must charge higher rates for benefits than they would for underwritten individual plans.

On the other hand, the participation of younger employees is encouraged by keeping their rates very low. Since younger employees are less likely to have health problems, this helps reduce the risk of future claims for the insurance company. Also the enrollment of healthy younger employees has another benefit. These people are more likely to leave their jobs for another company and will probably not take their insurance with them. This means the insurance company will never have to make a payment for claim with younger employees who leave and the insurance company has made some additional profit that it normally would not have made with older policyholders who tend to keep their coverage for life.

The second way that an insurance company controls its future costs with group policies is to limit the benefits that are available to employees. This is done by providing only three or four choices for employees and limiting the amount of home care and downplaying the availability of inflation protection. By skimping on benefits the company will have a better handle on future claims. Limited benefits also make the policies less expensive and this helps encourage more people to sign on thus increasing the participation rate.

But limited benefits pose a huge future risk for existing group policies. By not offering automatic inflation protection and limiting home care benefits, group policies will be woefully lacking 30 years from now when claims are made. Since it is not in the best interest of the insurance company to explain this problem with group policies, employees who buy group policies think that they have adequate coverage when in reality they don't.

Insurance for Medicare

Gaps in traditional Medicare insurance have led people over the past 40 years to purchase supplemental or Medigap insurance policies to provide less worry-free coverage under Medicare.

Medicare Advantage plans were created along with the Medicare drug benefit as a result of the 2003 Medicare Modernization Act. The plans are funded by Medicare but design and administration are carried out by private-sector insurers. An Advantage plan must offer at least the same benefits of original Medicare but may offer better benefits as well. MA plans are designed around provisions of modern group insurance coverage and these plans do away with the gaps in coverage with original Medicare. Many of these plans are integrated with the new Medicare drug benefit as well.

Because of the modern design, there is no need for a Medicare supplement (Medigap) policy and the additional cost of the supplement is eliminated. The trade-off for this improvement is generally more direct out-of-pocket costs for MA beneficiaries. Eligible Medicare beneficiaries typically enroll with an MA by signing on with a designated agent of the insurer.