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Find Long-Term Care Insurance Agents in El Cerrito, CA
Directory of long-term care insurance agents in El Cerrito, California. Verify credentials with the state department of insurance before hiring.
6 agents listed
Updated May 2026
El Cerrito, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 6 long-term care insurance agents in El Cerrito, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Cost-U-Less Insurance
11100 San Pablo Ave #110, El Cerrito, CA 94530
(510) 408-6823
locations.costulessdirect.com
AYUDA Financial Services
11366 San Pablo Ave, El Cerrito, CA 94530
(415) 440-5011
ayudafinancial.com
Alive Insurance Service Inc
3060 El Cerrito Plaza #302, El Cerrito, CA 94530
(510) 524-3200
aliveinsurance.com
Farmers Insurance - Sirak Tegbaru
10810 San Pablo Ave Ste 40, El Cerrito, CA 94530
(510) 528-4638
agents.farmers.com
Bossa Nova Insurance Services, LLC
10468 San Pablo Ave, El Cerrito, CA 94530
(510) 559-1066
bossanovainsuranceservices.com
El Cerrito Insurance Services LIC 0G53215
10891 San Pablo Ave, El Cerrito, CA 94530
(510) 232-1010
Long-term care insurance agents in El Cerrito, California assist residents in finding policies that cover nursing home care, assisted living, and home health services. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Many agents in the area also offer California Partnership for Long-Term Care policies, which provide asset protection and inflation protection features.
What Does a Long-Term Care Insurance Agent in El Cerrito Cost?
Long-term care insurance premiums in California vary widely based on age, health, benefit amount, and policy features. A typical policy for a 55-year-old can cost between $1,500 and $3,000 per year, while a 65-year-old may pay $2,500 to $5,000 annually. California Partnership policies may have slightly higher premiums but offer asset protection. This is general information, not insurance advice. Always consult a licensed agent for a personalized quote.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in El Cerrito do?
A long-term care insurance agent helps you compare policies from different insurers, explains benefit triggers and waiting periods, and guides you through the application process. They can also advise on California-specific options like the Partnership program.
Are there California rules for long-term care insurance policies?
Yes, California has a 30-day free look period for new policies, allowing you to cancel for a full refund. Insurers must also offer inflation protection and cannot deny coverage based on pre-existing conditions after the policy has been in force for two years.
How do I choose an agent in El Cerrito?
Look for an agent with a valid California insurance license and experience with long-term care products. You can verify their license on the California Department of Insurance website. Ask about their familiarity with local care facilities and home care agencies in the East Bay area.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.