Phone: 305.444.7401

Toll-Free: 1.888.776.4678

LTC Description & Types


The rising cost of health care and the decreased ability of the federal government to aid in our growing elderly population’s health needs has made Long Term Care insurance (LTCi) an essential ingredient in your clients’ control of their future. Just two years of long term health care can easily wipe out the life savings of many Americans.

It can also have a devastating impact on dependents who find themselves in the position of caretaker. As an insurance producer in today’s world you have a responsibility to understand and teach your clients about Long Term Care insurance. Long term care is thus more a financial issue than a health issue. The choices your client has, if care is required, will be determined by the amount of money he/she can pay for home care or facility costs. We recognize that ever client is unique with specific needs, and budgets.

Please contact us to help you determine which product is right for your client.

The carriers we represent for Long Term Care stand alone and Hybrid:

  • Genworth (Individual LTC and Hybrid: Total Living Coverage)
  • John Hancock
  • Lincoln ( Hybrid only: MoneyGuard)
  • Mutual of Omaha
  • Transamerica

Hybrid Products: Whole Life or Universal Life product designed to provide LTC benefits . They are typically paid with a single premium, or limited pay. All products are non-cancelable.  A LTCi Certification is required to sell.

Traditional LTC: Long Term Care classified by HIPAA as A & H insurance. These are all traditional comprehensive policies.

Important note: Most states require an 8-hour NAIC partnership training course with a 4-hour refresher course every 2 years. Check with your state for the requirements. The following states, CA, CT, IN, and NY, have specific training requirements.

Click on this link to determine what your state requirements are before submitting and application:

https://www.naic.org/state_web_map.htm