The top-rated long-term care insurance agent in Union City, California is Hera Tong Gutierrez - State Farm Insurance Agent, rated 5.0 stars across 145 reviews. Other highly rated options include Gill Financial & Insurance Services, Jeff Sinfuego - State Farm Insurance Agent, Tony Huey: Allstate Insurance. This directory lists 14 long-term care insurance agents serving Union City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Hera Tong Gutierrez - State Farm Insurance Agent | 32145 Alvarado-Niles Rd # 205 | (510) 972-0968 |
| 2 | Gill Financial & Insurance Services | 31080 Union City Blvd # 201 | (510) 888-1180 |
| 3 | Jeff Sinfuego - State Farm Insurance Agent | 4123 Dyer St Ste 210 | (510) 431-3514 |
| 4 | Tony Huey: Allstate Insurance | 1780 Whipple Rd STE 201 | (510) 429-5788 |
| 5 | Global Green Insurance Agency of the Bay Area | 32146 Alvarado Blvd | (510) 487-1000 |
| 6 | Golden Bay Insurance Agency, Inc. | 33436 Alvarado-Niles Rd | (510) 487-2225 |
| 7 | Coker & Arias Insurance | 1780 Whipple Rd STE 104 | (510) 471-1871 |
| 8 | Farmers Insurance - Elizabeth Banuelos | 33125 Mission Blvd | (510) 580-3077 |
| 9 | Farmers Insurance - Daphne Delos Santos | 33515 Western Ave | (510) 475-5850 |
| 10 | VanLang Immigration & Tax LLC | 32611 Alvarado Blvd Ste A | (510) 475-1808 |
Hera Tong Gutierrez - State Farm Insurance Agent serves Union City, California, and the surrounding area as a long-term care insurance agent. This office helps individuals plan for future needs, advising on policies that cover assistance with daily living activities, such as bathing or dressing. Long-term care insurance can protect personal savings from the high costs of extended care. As a local resource, it specifically addresses long-term care planning and financial preparedness for aging in place or facility-based care.
Gill Financial & Insurance Services provides long-term care insurance planning for residents of Union City, California. The company assists clients with policy selection and enrollment, focusing on coverage for future care needs. Ongoing service includes policy reviews and claims support, helping clients manage benefit changes. This agent services individual homeowners seeking to protect assets, as well as families planning for elder care in single-family homes, apartments, retail locations, and restaurants.
Jeff Sinfuego - State Farm Insurance Agent serves local homeowners, families, and self-employed individuals in Union City, CA, by offering long-term care insurance policies that help cover costs associated with extended nursing or home-based care. These plans can assist in protecting assets and easing the financial demands of aging. The agency provides personalized guidance to explain coverage options and policy details. Its services also extend to clients in the nearby areas of Fremont.
Tony Huey: Allstate Insurance serves Union City, California, and surrounding communities, handling long-term care insurance needs for local residents. It focuses on helping clients understand and select policies that may cover future home care, assisted living, or nursing facility costs. The agent generally begins each case by reviewing a client’s current health situation and financial goals. It then compares available coverage options to present a suitable plan, following up to ensure all application paperwork is completed correctly and submitted on time.
Global Green Insurance Agency of the Bay Area distinguishes between offering a one-time long-term care policy consultation and providing ongoing service options for policy management and claims support. Comprehensive coverage is available for needs such as in-home care, assisted living, and nursing facility stays, tailored to protect assets and future care preferences. Clients in Union City and surrounding communities receive thorough guidance on benefit triggers, inflation protection, and premium structures. Service for existing policyholders is provided on a scheduled basis for annual reviews and adjustments as needs change.
Golden Bay Insurance Agency, Inc. specializes in long-term care insurance, offering policies that cover nursing home, assisted living, and in-home care. The Union City-based agency guides clients through plan selection and application processes, ensuring coverage aligns with personal health and financial goals. It provides local support for those looking to protect assets from the high costs of extended care. As the end of the tax year approaches, the agency helps individuals review whether new or adjusted coverage best addresses their future medical needs.
As Union City residents plan their retirement and consider the rising costs of healthcare, many families look for guidance on long-term care insurance. Coker & Arias Insurance responds to this need by helping local clients navigate coverage options. The agency explains policy features, benefit triggers, and inflation protection relevant to California’s care market. Their services focus on matching individuals with appropriate plans based on age and health needs. A comprehensive initial assessment of current assets and future care goals begins the consultation process.
Farmers Insurance - Elizabeth Banuelos in Union City, CA focuses on helping individuals plan for the financial aspects of later-life care. The agency specializes in long-term care insurance policies that can cover services not typically included in standard health plans. Coverage may address assisted living or home health needs for local clients. The agent works with a variety of commercial sectors, including offices, warehouses, and food service operations.
Serving the Union City area, Farmers Insurance through Daphne Delos Santos provides long-term care insurance that helps families plan for future care needs without depleting personal assets. This agency also handles commercial coverage for local businesses. Serving residents in a broad regional radius, the team ensures clients thoroughly understand their policy options. They typically offer clear follow-up support between regular visits, updating coverage as life circumstances or health situations evolve.
VanLang Immigration & Tax LLC in Union City, CA is known for assisting clients with long-term care insurance arrangements, offering guidance on policies that help cover the costs of extended nursing or home-based care for aging individuals. The company serves local residents navigating the complexities of planning for future medical needs, providing clear explanations of coverage options and benefit structures. It can also integrate these plans with overall financial or estate strategies for a more cohesive approach.
What Does a a Long-Term Care Insurance Agent in Union City Cost?
In California, long-term care insurance premiums vary by age, health, and coverage level. For a 55-year-old, a policy with a 3-year benefit period and 5% inflation protection may cost between $1,500 and $3,000 per year. For a 65-year-old, the same policy could range from $2,500 to $5,000 annually. Costs also depend on the daily benefit amount and elimination period. This is general information, not insurance advice.
About long-term care insurance agents in Union City
Long-term care insurance agents in Union City, California help residents plan for future care needs. They explain California Partnership for Long-Term Care policies, which offer asset protection and inflation adjustments. Agents also guide clients through state-specific rules, such as the 90-day free look period for new policies.
Frequently Asked Questions
What does a long-term care insurance agent in Union City do?
A long-term care insurance agent in Union City helps you compare policies from multiple carriers. They explain California Partnership plans, which let you keep more assets if you later need Medi-Cal. Agents also assist with underwriting and policy enrollment.
How do California Partnership plans work?
California Partnership plans are state-approved policies that provide asset protection. If you use all your policy benefits, you can keep assets equal to the benefits paid when applying for Medi-Cal. These plans also include inflation protection and meet California standards.
Are there time limits for buying long-term care insurance in California?
California law gives you a 30-day free look period to cancel a new policy for a full refund. You must also receive a personalized outline of coverage before purchase. Some carriers require medical underwriting, so apply before health issues arise.
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