The top-rated final expense 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 16 final expense 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 | Bill Stone: Allstate Insurance | 33436 Alvarado-Niles Rd | (510) 487-2225 |
| 9 | Farmers Insurance - Elizabeth Banuelos | 33125 Mission Blvd | (510) 580-3077 |
| 10 | Banuelos Insurance and Tax Services | 33125 Mission Blvd | (510) 580-3077 |
Hera Tong Gutierrez – State Farm Insurance Agent serves Union City and the surrounding Alameda County area, offering final expense insurance to help families manage end-of-life costs. This type of coverage ensures that funeral expenses and other outstanding bills are not a burden to loved ones. A final expense insurance agent here guides clients in selecting appropriate policy amounts and explains benefit payout processes. Hera Tong Gutierrez – State Farm Insurance Agent assists with burial planning and immediate need policy claims in this region.
Gill Financial & Insurance Services provides final expense insurance planning in Union City, California. Its primary focus is helping individuals arrange affordable life insurance policies intended to cover end-of-life costs, such as funeral expenses and outstanding medical bills. The company assists clients in reviewing policy options and maintaining their coverage over time. It offers guidance on keeping policies active and adjusting beneficiaries as circumstances change. Gill Financial & Insurance Services services local single-family homes, apartments, retail establishments, and restaurants.
Jeff Sinfuego - State Farm Insurance Agent serves Union City and the surrounding communities, handling final expense insurance needs for local families. This service helps clients arrange coverage for end-of-life costs such as funeral expenses and outstanding debts. The agent typically begins each job by reviewing the client’s personal situation and budget requirements. A simplified process then proposes a suitable plan without requiring medical exams. This straightforward approach focuses on providing peace of mind through clear policy explanations and direct follow-up to confirm understanding.
Tony Huey: Allstate Insurance in Union City, California assists residents, particularly seniors and their families, with final expense insurance. This type of life insurance policy is designed to cover funeral costs, medical bills, and other end-of-life expenses, ensuring financial peace of mind. The agency helps clients select coverage that fits their budget and needs during a consultation. It also provides professional guidance for families in neighboring Hayward and the broader East Bay area.
Global Green Insurance Agency of the Bay Area serves Union City and its surrounding communities throughout the East Bay, handling final expense insurance for local families. It assists clients in planning for end-of-life costs by offering basic coverage options that help manage funeral and burial expenses. To handle a typical job, the agency begins by reviewing an individual’s financial situation and then recommends a simple, affordable policy that fits their immediate needs.
Golden Bay Insurance Agency, Inc., located in Union City, CA, specializes in final expense insurance, a type of coverage distinct from ongoing service policies by focusing on a single, pre-planned payout for burial and funeral costs. This permanent policy ensures loved ones are not burdened with end-of-life expenses. Designed for simplicity, it typically requires no medical exam and offers fixed premiums. Service availability for this firm in Union City runs on a scheduled basis, arranged by appointment to discuss individual coverage needs.
Coker & Arias Insurance specializes in final expense insurance policies designed to cover end-of-life costs. The agency serves clients throughout Union City, California, offering guidance on policy options that fit individual budgets and family needs. An agent typically explains how these plans work, helping families prepare for funeral or burial expenses. As seniors review their finances during open enrollment periods, the agency provides clarity on navigating these specific insurance decisions and addressing any concerns about rising memorial service costs.
Bill Stone: Allstate Insurance in Union City, CA, provides financial planning services focused on end-of-life needs through final expense insurance policies. These plans help cover funeral costs, outstanding debts, and other final expenses for local families. As an Allstate agent, the firm works closely with clients to understand their personal budgets and burial preferences. The office serves residents across the area, and its commercial sectors include local offices, warehouses, and food service establishments.
As seasons change and families review their budgets, the need for dignified end-of-life planning often becomes more pressing in Union City, CA. Farmers Insurance - Elizabeth Banuelos helps local residents secure final expense coverage that spares loved ones from unexpected costs. The agent explains how simple policies can pay for funeral services and outstanding medical bills. This service begins with a straightforward appointment to review a client’s current situation before an initial needs assessment is conducted in person or by phone.
Banuelos Insurance and Tax Services serves Union City, CA, offering final expense insurance to residents in their homes and also providing commercial coverage options for local businesses. This agency helps clients arrange policies that cover end-of-life costs and related expenses. The office focuses on straightforward insurance solutions, assisting individuals and families with planning needs. They encourage follow-up consultations to adjust coverage as circumstances change, ensuring that insurance protection remains appropriate between regular visits and policy reviews.
What Does a a Final Expense Insurance Agent in Union City Cost?
Typical costs for final expense insurance in California range from 30 to 150 dollars per month depending on your age, gender, and health status. For example, a 70-year-old non-smoker might pay around 60 dollars monthly for a 10000 dollar policy. Rates are guaranteed and do not increase as you age. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About final expense insurance agents in Union City
Final expense insurance agents in Union City, California help residents secure coverage for end-of-life costs such as funerals and medical bills. Under California Insurance Code Section 101, these policies are considered life insurance and must comply with state disclosure rules. Agents can guide you through simplified issue plans that do not require a medical exam, making it easier for seniors to qualify.
Frequently Asked Questions
What is final expense insurance and how does it work in Union City California?
Final expense insurance is a small whole life policy designed to cover funeral costs and outstanding debts. In California, these policies are regulated by the California Department of Insurance and typically offer face amounts between 5000 and 25000 dollars. Union City agents can help you choose a plan that fits your budget and needs.
Do I need a medical exam to get final expense insurance in Union City?
Most final expense policies in California are simplified issue, meaning they do not require a medical exam. However, you will answer health questions on the application. Some carriers may have a waiting period for pre-existing conditions, as allowed under California law.
How much does final expense insurance cost for Union City residents?
Costs vary based on age, health, and coverage amount. For a healthy 65-year-old in Union City, a 10000 dollar policy might cost 40 to 70 dollars per month. California law requires agents to provide a full policy illustration so you understand the premiums and benefits before purchasing.
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