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 Hercules, 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.
Al Chen - State Farm Insurance Agent
1511 Sycamore Ave Ste F, Hercules, CA 94547
(510) 222-1102
alchensf.com
Geoffrey Lavitoria - State Farm Insurance Agent
1327 Sycamore Ave, Hercules, CA 94547
(510) 724-1800
glavitoria.com
Cozy Family Care
2135 Lupine Rd, Hercules, CA 94547
(510) 908-6166
1st Signature Insurance Services
726 Alfred Nobel Dr, Hercules, CA 94547
(510) 620-4355
123 Insurance Solutions Agency | License # 6012701
1611 Sycamore Ave #5173, Hercules, CA 94547
(510) 964-9930
shoplocalmedicare.com
World Financial Group
500 Alfred Nobel Dr STE 137, Hercules, CA 94547
(510) 964-9930
wfgopportunity.com
What Does a Long-Term Care Insurance Agent in Hercules Cost?
Long-term care insurance agent services in California typically do not charge a separate fee. Instead, the agent earns a commission from the insurance company, usually ranging from 20% to 100% of the first years premium. Policy premiums vary widely based on age and health, from about $1,500 to $4,000 per year for a 55-year-old. Costs are higher for older applicants. This is general information, not insurance advice.
* 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 Hercules do?
An agent helps you compare policies from multiple insurance companies. They explain benefit triggers, elimination periods, and inflation options. They also guide you on California Partnership plans which provide asset protection under Medi-Cal.
Are there California laws that affect long-term care insurance?
Yes. California requires that policies offer inflation protection and nonforfeiture benefits. The state also has a 30-day free look period where you can cancel a policy for a full refund. Agents must follow these rules when selling policies.