Business Details
50+ Years
experience
Trusted Medicare & LTC Insurance Planning Experts
Carroll Harper & Associates has been a trusted leader in Medicare and Long Term Care Insurance planning since 1975. Our agency, based in Southwest Harbor, Maine, employs over 50 dedicated agents and brokers who specialize in providing comprehensive insurance solutions tailored to the unique needs of seniors and boomers. With decades of experience, we have established ourselves as one of Maine's premier insurance agencies, offering expert guidance on Medicare and Long Term Care Insurance products. Our team maintains strong relationships with five major insurance organizations, providing access to 46 distinct products designed to meet diverse client needs. We prioritize personalized service, professional claim assistance, and ongoing education through our quarterly newsletter and industry publications.Our founder, Carroll Harper, has earned national recognition for his expertise in Long Term Care Insurance planning, having authored numerous CE courses and worked directly with Maine legislators to improve consumer protections. Our commitment to service excellence has fostered steady growth through client referrals and professional partnerships. We maintain offices in Portland and Bangor while serving clients throughout New England, combining local expertise with national industry knowledge to deliver superior insurance planning solutions.
Services
Medicare Insurance Planning
Long Term Care Insurance
Tax Information Services
Claim Assistance
Insurance Education
Details
- Year established: 1975
Highlights and features
- We have over 50 years of experience in Medicare and Long Term Care Insurance planning
- Our team includes licensed health and life insurance producers with specialized expertise
- We provide professional claim assistance with millions in successfully processed claims
- Our founder has authored industry publications and CE courses on insurance planning
- We maintain active involvement in Maine legislative efforts to improve insurance policies
Services
Medicare Insurance Planning
Our Medicare insurance planning service provides comprehensive guidance for seniors navigating healthcare coverage options. We help clients understand Original Medicare, Advantage plans, and supplemental policies while considering tax implications and long-term care needs. Our experienced agents analyze individual circumstances to recommend optimal coverage solutions that align with current and future healthcare requirements.
Long Term Care Insurance
We specialize in Long Term Care Insurance solutions that protect assets while ensuring quality care options. Our experts help clients evaluate policy benefits covering home care, assisted living, and nursing facility services. We provide ongoing support through the claims process and advocate for policyholders facing rate increases or coverage challenges, leveraging decades of industry experience.
Insurance Claim Assistance
Our professional claim assistance service guides policyholders through the complex claims process for Medicare and Long Term Care Insurance. We help document eligibility requirements, submit necessary paperwork, and resolve payment issues. With millions in successfully processed claims, our team ensures clients receive the benefits they're entitled to under their insurance policies.
Tax Information Services
We provide specialized tax guidance related to Long Term Care Insurance premiums and benefits. Our experts help clients understand annual tax deductions based on age and policy type while maintaining compliance with current regulations. This service helps maximize financial benefits while ensuring proper documentation for tax filings.
Insurance Education Resources
Our educational initiatives include quarterly newsletters, industry publications, and CE courses covering Medicare updates and Long Term Care Insurance developments. We help financial planners, elder law attorneys, and healthcare professionals stay informed about changing regulations while empowering clients to make educated insurance decisions.
People
Carroll E. Harper
President
Founder with over 45 years of insurance experience, specializing in Medicare and Long Term Care Insurance. Author of industry publications and CE courses, recipient of top producer awards, and active in Maine legislative advocacy for consumer protection.
Jane Harper
Accounting Department Head
Licensed health and life producer managing accounting operations since 1993. Oversees tax compliance, payroll, and corporate accounting while applying financial expertise from prior banking and education sector experience.
Jill K. Murphy
Operations Manager
Licensed insurance producer with administrative leadership experience since 2011. Manages LTC insurance quotes, Medicare claims resolution, and producer training while maintaining organizational excellence in agency operations.
Susan Guthrie
Broker Compensation Specialist
Licensed health and life producer with CNA/M certification, managing broker compensation and accounts payable. Brings healthcare experience from nursing facilities and maintains Associates Degree in Liberal Arts from University of Maine Augusta.
Jay Pearl
Senior Insurance Advisor
30+ years of experience advising individuals and employer plans on Medicare solutions. Maintains offices in Portland and Bangor while providing regional expertise to New England clients through his business management degree from Husson College.
Questions
What insurance services do you specialize in?
We specialize in Medicare and Long Term Care Insurance planning for seniors and boomers across Maine and New England.
How long have you been in business?
Our agency has provided insurance planning services since 1975, with over 50 years of combined industry experience.
Do you offer claim assistance services?
Yes, we provide professional claim assistance with millions in successfully processed Long Term Care Insurance claims.
What areas do you serve?
We primarily serve Maine residents with offices in Southwest Harbor, Portland, and Bangor, serving clients throughout New England.
Are your agents licensed professionals?
Yes, our team includes licensed health and life insurance producers with specialized expertise in senior insurance planning.
Do you provide insurance education resources?
We offer educational materials including our quarterly newsletter and industry publications on Medicare and LTC planning.
Reviews (1)
Robert Gaynor
May 29, 2018
Report
Like the people like the help answered all my questions and answers that were easily understood as Insurance can be very complicated
