Kersten and Associates, Hawaii, Long term care planning, Long term care insurance, ltc group benefits, long term care options, financial planning, nursing home coverage, disability coverage, in-home coverage, home health care coverage, ltc planning, ltc agents, Honolulu

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Kersten and Associates  900 Fort Street Mall, Suite 400, Honolulu Hawaii 96813
Phone (808)531-3137  Fax (808)261-2626  kerstenandassociates@live.com
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Sample Plans

Kersten & Associates - serving the people of Hawaii for over 30 years.

We firmly believe that before you purchase any Long Term Care policy, that you understand the policy provisions and the various options you have to design the best plan to meet your long-term objectives and financial goals. 

We represent a carefully selected group of financially sound, reputable insurance companies. 
These are just some of Long Term Care Insurance Companies that we represent: 

We have included here just a sample of how policies offered by three of the major carriers (John Hancock, GE Capital and UnumProvident) differ in provisions and cost. These plans are individual reimbursement-type policies and the rates quoted are as of July 2004 for policies approved for sale in the State of Hawaii