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LTCI Partners

Extended healthcare is a risk to a confident retirement.
LTCI Partners provides insurance solutions to help manage this risk.

Lincoln Financial Group
Thrivent Financial
Mutual of Omaha
Securian Financial
Global Atlantic

Thinking Future First

At LTCI Partners, we provide long-term care insurance solutions to help people prepare for extended care.

Learn about the need to
plan for long-term care

Long-Term Care Legislative Updates

An interactive map where you can choose a state to learn more about LTC-related proposals at the state level. 

It's Your Life Planning Guide

CLTC has created a new resource to help you initiate and manage Long-Term Care planning conversations with clients and prospects. 

Advisor Guide to LTC Planning

Help your clients plan for the future with confidence by using the information contained in this guide.

Group Guide to LTC Insurance

An overview of the fast-growing group long-term care insurance marketplace

“This Month in LTC Planning” - interviews with leading LTC experts

Our library of interviews and discussions about the latest trends in LTC Insurance are helpful for both advisors and clients.

Advisors's Guide to Linked Benefit Products

Our Advisors Guide to Linked Life/LTC products - including a listing of key carriers

A Shareable Consumer PowerPoint

A consumer PowerPoint that can be viewed by consumers or shared by advisors

A 2024 Tax Guide to LTC Insurance

A 2024 Guide to LTC Insurance and Taxes, including Business Tax Advantages

Today's Care Crisis - a Special Report

The conversation around long-term care and long-term care benefits has been building for years and feels, to many, like it’s reaching a crescendo. Check out this special report from Trustmark about the impact on employers and employees.

By the numbers

We’ve helped thousands secure their future with LTC planning.

Meet Our Team


employer-sponsored LTC programs implemented


Of written LTC Individual and Group Insurance Premiums

25 Yrs

experience in the LTC Insurance marketplace

LTC Planning: This is all we do

LTCI Partners is a national brokerage firm specializing in Long-Term Care (LTC) Insurance solutions. We distribute insurance by partnering with financial service professionals (institutions and their advisors), employers and employee/executive benefits brokers, and we work directly with consumers (B2C) through their affinity or association relationships. Our product portfolio includes both Standalone and Hybrid Life/LTC Insurance and we represent over 10 different insurance companies. Our mission is simple -- we want to make the process of planning for Long-Term Care easy for you and your clients.

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LTC Planning: This is all we do

What our clients are saying about LTC Partners

Don't take our word for it - our clients are our biggest advocates


"I have worked with LTCi Partners for my clients LTC insurance needs since the early 2000’s and would not consider working with anyone else" - Tim Cope, NFP


"The entire LTCI Partners Team is totally dedicated to the LTC Insurance marketplace" - George Alexander


"LTCI Partners has developed powerful tools and easy-to-understand presentations, demonstrating their thorough understanding of the marketplace" - Brian Varian, LPL Financial


“We have been very pleased with our relationship with LTCI Partners. They have truly “partnered” with us as an extension of our firm to support our endeavors in the LTC planning space. Traditional LTCI is something we believe in, so we aligned with LTCI Partners so that we could focus on our core product offerings – Annuities, Life Insurance and Asset-Based LTC solutions. They do an excellent job supporting our staff and our advisors.”


“I’ve been working with LTCI Partners for many years and they are my #1 resource for all Long-Term Care activities. They have mastered all the LTC entry points from licensing, prospecting, sales support, applications, case management and the ever-changing LTC news. The sales support I get directly impacts my revenue and success. Their owners lead LTC conference calls, their sales staff is seasoned and the case management is daily. I highly recommend working with LTCI Partners for all your LTC endeavors”

Insights from LTCI Partners

Jun 18, 2024

Don't try and design private LTC plans around public LTC plans - it's a risk for clients


Feb 5, 2024

The Challenges and Future of Traditional Long-Term Care Insurance

Following a period of substantial growth from the 1990s to 2010, Traditional LTC Insurance has encountered difficulties in expanding over the past decade. While sales remain steady, they are not significant enough to address America's Long-Term Care funding crisis. This has been highlighted by various negative press articles, including one from the New York Times' "Dying Broke" series in November 2023.

Nov 15, 2023

What should you recommend to a client who received a LTC rate increase

The holidays are approaching, and families are gathering together. While it’s all about food, drinks, games and fun there may be an opportunity to discuss the need for Long-Term Care Insurance with parents, family and friends. One of the most frequent questions people bring up in the LTC conversation is “What if the insurance company raises my premium?”

Oct 31, 2023

Don't be afraid of too many LTC Insurance Choices!


Jul 11, 2023

When Long-Term Care Must Be A Part of Divorce Negotiations


Jun 5, 2023

Your wealthy client can self-insure for long-term care.  But should they?

Let me ask you a question. How much will your long-term care cost? The answer, of course, is you have no idea. You may be one of the lucky ones who is completely independent and dies of "natural" causes in their sleep. Or you may be diagnosed with early onset Alzheimer's and need expensive care for a number of years. It's not unusual for people to spend up to $20,000 per month on long-term care (I've got family experience). It's often said that LTC Insurance is for the middle class - the poor can rely on Medicaid to pay for care and the wealthy can pay for care themselves. But is self-insuring, or to be more precise self-funding, always the best choice?

Nov 3, 2022

Medicare and LTC Insurance - How can they work together?

We are in the midst of Medicare Open Enrollment season, where those turning 65 and other Medicare eligible populations can shop for Medicare Supplement and Medicare Advantage Plans. These plans can help cover a significant amount of care and reduce out-of-pocket costs. Yet most people forget to think about one of biggest holes in Medicare - coverage for long-term care costs. Should the almost 4 million 65 years old's who are just entering the Medicare market also look at LTC Insurance?

Aug 22, 2022

These two trends signal much higher LTC costs in the future - regardless of inflation

Designing a LTC plan that will have appropriate benefits in 30 or 40 years can be really challenging! Despite that, many older LTC policies have actually done a pretty decent job of keeping up with the cost of long-term care. How do I know? Well, my Mom purchased a LTC Insurance policy from CNA Financial back in 1991. The initial benefit was $100 per day with a 5% automatic inflation increase benefit. Now, she is receiving care in a private room in an excellent nursing facility. The facility charges $420 per day for care, less than the $454 benefit daily benefit of the policy. The policy covers ALL the cost of her care.

Jun 15, 2022

A Surprising Reason Why Clients May Want to Buy LTC Insurance Now

The decision to purchase long-term care insurance can be a difficult one. The very nature of the product – helping protect a version of “you” who may need care 30 or 40 years in the future is hard to wrap our brains around. The vast majority of people seeking coverage on their own are those who have had personal experiences with a loved one needing and paying for care. So talking to clients about the need to consider this coverage while they’re in their 40s and 50s takes some understanding of why buying earlier is a smart move. Traditionally, there have been three reasons why “buy now” makes sense.

May 17, 2022

Life Insurance with LTC benefits -how to decipher the key differences

LTCI Partners Note: Below is a article written by Ramona Neal, CLU, ChFC, CLTC of Living Benefit Review. We highly recommend Ramona's service for comparisons of the various types of Life Insurance with living benefit riders. Learn more at www.livingbenefitreview.com.

The Latest LTCI News

Subscribe to our newsletter today to receive updates on the latest news, and information about Long-Term Care Insurance.

Your privacy is important to us. We have developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. 

Jun 10, 2024

OneAmerica: A simple strategy for older clients


Jun 6, 2024

MutualCare® Solutions LTC Sales Story


Jun 5, 2024

Lincoln's Designer Studio


May 31, 2024

OneAmerica 2023 Annual Report


May 29, 2024

John Hancock: In-Force Rate Action to take place in late June


May 22, 2024

Mutual of Omaha - Rate Adjustment Impacting LA


May 16, 2024

Upcoming Lincoln Webinar


May 9, 2024

OneAmerica: May 2024 Interest Rate Notice


May 2, 2024

Mutual of Omaha | Correction - Long-Term Care Insurance Product Updates


May 1, 2024

Mutual of Omaha | Long-Term Care Insurance Product Updates


Updates from Our Carriers


Stay remain updated

Subscribe to our newsletter today to receive updates on the latest news from our carriers.

Your privacy is important to us. We have developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. 

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Extended healthcare is a risk to a confident retirement. We provides insurance solutions to help manage this risk.

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