James Holmquist Insurance
Medicare supplement, life and long-term care coverage from an independent Concord agency.
Acerca de
Turning sixty-five raises a set of questions that most people meet only once: which Medicare supplement plan, whether to buy long-term care coverage now or later, how much life insurance still makes sense. James Holmquist Insurance is a Concord agency that spends its days on exactly those questions. It was founded in 2013 by the managing general agent whose name it carries, who has worked in the insurance business since 1990, and it operates from a house on Browning Drive in the Clayton Valley part of Concord rather than from a storefront.
Policies an independent agent places
- Medicare supplement (Medigap) plans that fill the gaps in Original Medicare.
- Life insurance, term and permanent.
- Long-term care insurance for in-home care or a facility later in life.
- Cancer insurance and critical illness coverage that pays a lump sum on diagnosis.
The agency's site says it holds appointments in California, Idaho, Washington and Oregon, and that it works with other agents as well as with the public through a find-an-agent page, which is what a managing general agent does: place business for a carrier through a network of agents.
Questions for an agent
Bring your Medicare card or enrolment dates, a list of current medications and doctors, and any policies you already hold. Ask which carriers the agency represents for each product, since an independent agent can only quote what they are appointed with. Ask how the agent is paid, whether a plan's premium is set on an attained-age or issue-age basis, and what the underwriting will require. For long-term care or critical illness policies, ask for the elimination period and benefit caps in writing. The agency's California licence number is stated on its site and can be checked on the Department of Insurance lookup before you sign.
Central Contra Costa
Most clients come from Concord, Pleasant Hill, Walnut Creek, Clayton, Martinez, Pittsburg, Bay Point and Lafayette, the central band of Contra Costa County along Highway 4 and Interstate 680. Because the office is a home office, meetings are usually arranged by phone first.
Call 925-682-3510 to talk through your options.
Servicios
VerificadoMedigap plans that cover deductibles, copays and coinsurance left by Original Medicare, compared across the carriers the agency represents for Concord-area residents turning sixty-five or changing plans.
Term and permanent life policies sized to income replacement, mortgage payoff or final expenses, with underwriting requirements explained before the application is submitted.
Policies that pay for in-home care, assisted living or nursing care later in life, with attention to the elimination period, daily benefit and inflation protection options.
Supplemental policies that pay a lump sum or scheduled benefits on a cancer diagnosis to cover costs a health plan leaves behind, such as travel, lost income and deductibles.
Lump-sum coverage triggered by a heart attack, stroke or other listed condition, sold as a supplement to a health plan for people in Contra Costa County who want cash on diagnosis.
Detalles
Ubicación y zona de servicio
Concord, CA 94518-1749
Preguntas frecuentes
Típico de este tipo de negocioWhat is the difference between a Medicare supplement and a Medicare Advantage plan?
A supplement works alongside Original Medicare and pays what it leaves unpaid; an Advantage plan replaces Original Medicare with a private network plan. Ask an agent which one they represent and why it fits your doctors and travel habits.
How does an independent insurance agent get paid?
Usually by commission from the carrier that issues the policy, so the quote should not carry a separate fee. Ask which carriers the agent is appointed with, since that determines what can be quoted.
When should I buy long-term care insurance?
Premiums rise with age and health changes can make coverage unavailable, so many people look in their fifties or early sixties. Ask about the elimination period, daily benefit, benefit period and inflation rider before comparing prices.
How do I check an insurance agent's licence?
Search the California Department of Insurance licence lookup by name or number. It shows the licence status, the lines of authority and the carriers the agent is appointed with.
Antes de contratar
- Look up the agent's licence number on the California Department of Insurance lookup.
- Ask which carriers the agency is appointed with for each product you are considering.
- Get the premium basis (issue-age or attained-age), elimination period and benefit caps in writing.
- Bring your Medicare enrolment dates, medication list and existing policies to the first meeting.
- Ask how the agent is compensated and whether any fee applies beyond the premium.
Resumen en español
Desde una oficina en casa sobre Browning Drive, en Concord, la agencia James Holmquist Insurance asesora a residentes del centro del condado de Contra Costa sobre seguros suplementarios de Medicare, seguros de vida, cuidados a largo plazo y pólizas contra cáncer y enfermedades graves. Fue fundada en 2013 por un agente general con experiencia desde 1990, y trabaja tanto con el público como con otros agentes. Antes de contratar conviene preguntar qué aseguradoras representa y pedir las condiciones por escrito. Las reuniones se acuerdan por teléfono llamando al 925-682-3510.
Los datos marcados como verificados se comprobaron el 29 de septiembre de 2026 con jamesholmquistinsurance.com, linkedin.com y facebook.com. Los demás datos vienen de registros comerciales públicos o describen lo típico de este tipo de negocio, según se indica. El negocio aún no los ha confirmado.
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