The top-rated long-term care insurance agent in Redwood City, California is Cost-U-Less Insurance, rated 4.9 stars across 544 reviews. Other highly rated options include Charlotte Russell - State Farm Insurance Agent, Nick Bertetta - State Farm Insurance Agent, Lorena Nava: Allstate Insurance. This directory lists 24 long-term care insurance agents serving Redwood City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cost-U-Less Insurance | 660 Price Ave Unit A | (650) 389-9052 |
| 2 | Charlotte Russell - State Farm Insurance Agent | 1391 Woodside Rd Ste 218 | (650) 369-7900 |
| 3 | Nick Bertetta - State Farm Insurance Agent | 465 Convention Way # 3 | (650) 365-7100 |
| 4 | Lorena Nava: Allstate Insurance | 3754 Florence St | (650) 556-2670 |
| 5 | Steve Fiorentino - State Farm Insurance Agent | 734 Woodside Rd | (650) 322-3499 |
| 6 | Willow Street Insurance | 2103 Middlefield Rd | (650) 298-8111 |
| 7 | Michael Skubic: Allstate Insurance | 617 Veterans Blvd Ste 215 | (650) 508-3030 |
| 8 | CB Acker Associates Insurance Services | 501 Seaport Ct #101 | (650) 969-5844 |
| 9 | CIS Insurance Agency | 171 Fifth Ave #102 | (408) 746-5030 |
| 10 | Farmers Insurance - Mark Landis | 650 El Camino Real # R | (650) 366-8274 |
Cost-U-Less Insurance, serving Redwood City and San Mateo County, offers long-term care insurance agent services to help individuals plan for future care needs. Policies typically cover expenses for assisted living, nursing homes, and home health aides, providing financial protection against escalating long-term care costs in the area. The agency assists clients in evaluating policy benefits, such as daily benefit amounts and elimination periods. It handles both traditional long-term care policies and hybrid life insurance policies with long-term care riders.
Charlotte Russell - State Farm Insurance Agent serves the Redwood City, California metro and surrounding areas, specializing in long-term care insurance policies. This agency provides assistance for individuals planning for future personal care needs, including home health aides or facility-based services. Clients consult on coverage options that help protect personal savings from the high costs of extended care. The office also handles policy comparisons for both home care and nursing home expense protection.
Nick Bertetta - State Farm Insurance Agent in Redwood City, CA, provides long-term care insurance plans designed to help cover the costs of assisted living, nursing homes, and in-home care. These insurance policies can be tailored with various coverage levels to support clients at different stages of need, and the agency offers ongoing service to review policy details and assist with claims. The practice serves individual homeowners, apartment tenants, retail businesses, and restaurants in the local area.
Residents and business owners in Redwood City and the surrounding Bay Area are served by Lorena Nava: Allstate Insurance for long-term care insurance needs. The agency helps clients plan for future personal care expenses that are not covered by standard health insurance. Policies are designed to protect savings from the high costs of assisted living, nursing homes, or in-home care. This long-term care insurance agent office provides consultations to understand coverage options and policy terms. The company also covers neighboring communities throughout San Mateo County.
Serving Redwood City and the surrounding communities of the San Francisco Peninsula, this agency handles comprehensive long-term care insurance policies for local residents. It focuses on protecting assets while ensuring access to quality home health care, assisted living, or nursing facility services when needed. A typical job begins with a careful review of the client’s financial situation and health history, then proceeds to a clear walkthrough of policy options and coverage limitations.
Willow Street Insurance of Redwood City guides clients through the choice between a single, comprehensive long-term care policy and a recurring benefit structure that renews each year. Coverage options typically include home-based assistance, adult day care, and nursing facility stays to protect assets against extended care costs. The agent clarifies how premiums, elimination periods, and daily benefit amounts affect policy terms. Service appointments are offered on a scheduled basis to fit each client’s timeline for financial planning.
Michael Skubic: Allstate Insurance in Redwood City specializes in long-term care insurance, helping clients plan for potential future needs related to aging or chronic illness. The agency guides individuals in understanding policy options that cover home care, assisted living, and nursing facility expenses. It regularly assists clients with aligning coverage with overall retirement and financial strategies in the local area ahead of open enrollment periods.
CB Acker Associates Insurance Services works with individuals and families in Redwood City to evaluate financial risks associated with extended healthcare needs. The company specializes in long-term care insurance, a coverage that helps manage the expenses of in-home, assisted living, and nursing home care. It focuses on protecting clients from the high costs that regular health insurance and Medicare typically do not cover. Its services are available to local businesses such as offices, warehouses, and food service operations.
CIS Insurance Agency serves residents of Redwood City and the surrounding area with personalized long-term care insurance guidance. The agency also assists local businesses by offering commercial coverage solutions tailored to their workforce needs. For individual clients, the team explains policy options for protecting assets and ensuring future care access. The service area encompasses the broader San Francisco Peninsula. After an initial consultation, CIS Insurance Agency provides ongoing support and policy reviews between regular visits to adjust coverage as circumstances change.
As residents of Redwood City begin planning for the health care needs that often accompany aging, securing reliable long-term care coverage becomes a priority. Farmers Insurance - Mark Landis provides professional guidance to local families navigating these important decisions about protection against future care costs. The company helps clients evaluate policy options that address both in-home assistance and facility-based services common in this region. An initial consultation review of individual needs and financial goals always typically starts the assessment process.
What Does a a Long-Term Care Insurance Agent in Redwood City Cost?
Typical annual premiums for a long-term care insurance policy in California range from 1500 to 5000 for a person in their mid 50s. Costs increase with age and if you choose richer benefits like a 5 percent compound inflation rider. California requires insurers to offer a 3 percent simple inflation option. This is general information and not insurance advice.
About long-term care insurance agents in Redwood City
Long-term care insurance agents in Redwood City help residents plan for future care needs. California offers the Partnership for Long-Term Care program which provides asset protection for policyholders. Agents can explain how this state-specific program works and compare policies from multiple insurers.
Frequently Asked Questions
What does a long-term care insurance agent in Redwood City do?
An agent helps you compare policies from different companies and explains coverage options. They can show you California Partnership plans that offer asset protection. They also assist with application forms and medical underwriting.
How does the California Partnership for Long-Term Care program work?
This state program allows policyholders to keep assets equal to the benefits paid out. For example if your policy pays 200000 in benefits you can protect 200000 in assets. Only agents certified by the state can sell these plans.
What factors affect long-term care insurance costs in Redwood City?
Costs depend on your age health status and the benefit amount you choose. California law requires insurers to offer inflation protection options. Premiums can range from 1500 to 5000 per year for a healthy 55 year old.
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