LTCI Partners

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

Mutual of Omaha
Securian Financial

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

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 Sharable Consumer Powerpoint

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

A 2022 Tax Guide to LTC Insurance

A 2022 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

400+

employer-sponsored LTC programs implemented

$500M+

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 financials services 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

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"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

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

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

Insights from LTCI Partners

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.   
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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.
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May 17, 2022

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

 
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Oct 22, 2021

The Seven Painful Consequences of Being a Primary Caregiver

The majority of people that own long-term care insurance have consistently cited “Not being a burden on my family” as the #1 motivator for planning for their future LTC needs. Therefore, it’s no wonder that people who have experienced an extended care situation with a loved one are most likely to purchase an LTC solution for themselves. The most astute advisors identify those clients and engage them in an educational discussion about LTC planning. However, all too often advisors jump immediately to the product solution rather than make an effort to understand the client’s own LTC experience. By discussing the common, real-life consequences that family caregivers experience, you will engage your client in a more meaningful conversation that will heighten the client’s motivation to put a plan in place. The LTC sale is probably the least “transactional” sale in financial services… so use the following as a conversational template in discussing the true consequences of an unplanned LTC event. Family members often experience Seven Painful Consequences when trying to be the primary caregiver for a loved one. Those consequences are: • Emotional • Mental • Physical • Social • Interpersonal • Spiritual • Financial Even those that long-planned to be the primary caregiver for an aging loved-one have experienced at least one of these consequences: Emotional: As the reality of being a primary caregiver sets in, emotions can quickly consume you. These emotions stem from sadness, grief, anger, confusion, helplessness and more. That inner voice tells you that the life you once knew has been altered significantly going forward. Mental: After initial waves of emotion subside, they are replaced by mental stress that can lead to depression. Many details must be addressed and tough decisions must be made regarding the necessary requirements of your loved one/patient. Questions of who, what, where, when and how all run through your head simultaneously… and it takes a toll – especially if you have other personal and professional responsibilities to manage. Physical: Mental stress can be physically exhausting. Sleepless nights, fatigue, anxiety, and tension can wear you down. Caregiver responsibilities can challenge your own physical strength as you assist with bathing, dressing, feeding, toileting, ambulating and other activities. Interpersonal: A breakdown of family relationships can happen slowly or quickly depending on the changing needs of your loved one and the limitations, inabilities or resistance of family members providing care. Caregiving responsibilities are rarely shared equally among siblings or other family members. Additionally, female members of the family tend to bear the brunt of caregiving duties. Such inequalities can lead to frustration, anger, and family infighting. Sometimes the people who do the least are the most vocal when it comes to what you should be doing. Animosity can linger long after the extended care event has ended and can permanently damage relationships. Social: When caregiving responsibilities encompass your daily routine, the enjoyable elements of your life take a backseat. Your ability to participate in the social moments of life are challenged by the time needed to provide care. Additionally, the pressures of caregiving can create negative personality changes in people. Friends may have their own perceptions and make assumptions (rightly or wrongly) of how you may be feeling and if you want to be bothered. The social life of which you were accustomed can be negatively impacted. Spiritual: When someone you love becomes physically challenged or cognitively impaired, many caregivers assign blame, feel victimized or become permanently angry. “Why is this happening to Mom? I can't deal with this anymore.” The will to fight through the latest setback, find alternative care solutions and to remain positive can begin to erode. Sometimes your own personal religious beliefs are put to the test. “Why is God allowing this to continue?” Financial: The financial consequences of long-term care event often fuel the six other consequences above. The cost of LTC services can be the most expensive item someone ever pays for, possibly exceeding the purchase of a home or the cost of a four-year private college education. Unfortunately, many families don’t research care financing options until care is needed… and they are utterly shocked to discover that health insurance and Medicare for the most part do not cover LTC services. The reality is that an unplanned LTC event can have devastating effects on retirement plans and other financial obligations. By listening to your clients’ LTC experiences and talking about the Seven Painful Consequences above, you will solidify your rapport with your client and set the stage for explaining how these consequences can be mitigated with LTC insurance. And remember… the goal of LTC planning is not to cover 100% of your client’s future nursing home costs. The goal of LTC planning is to make what is often an unmanageable event into a manageable one for the whole family, including (and most importantly) the loved-one needing care.
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Jul 19, 2021

How to protect your LTC plan from future inflation

Significant inflation - something that the majority of Americans have not seen in their lifetime - has been a primary news topic.  From concerns about exploding national debt and high government spending levels to an expanding post-pandemic economy, many people are concerned about sustained inflation and decreased purchasing power.  Or, as many economists are assuring us, this could be a short term event as the economy bounces back from the pandemic. Nobody knows! Of course long-term care costs are not immune from inflation,  including eye-popping increases in nursing home costs.  The good news is that LTC Insurance can effectively mitigate much of the inflation risk through inflation riders.  Read on for some strategies to guard against the future costs of inflation:
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Apr 27, 2021

The Private LTC Insurance Option for Washington State Workers

Have you heard of the Washington Cares Fund? If you haven't, it's the first state run and funded  Long-Term Services & Supports program. Originally signed in 2019 by Governor Jay Inslee, as of  January 1st, 2025, Washington State Residents who need long-term care may be able to claim benefits (based on needing help with 3 of 10 ADLs) from the state and receive a benefit of up to $100 per day up to a maximum benefit of $36,500. Undoubtedly  for many families these benefits are going to welcomed and helpful.  But, of course, someone has to pay for the program.
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Feb 16, 2021

Why single pay LTC Insurance might be the right strategy now

The recent stock market run (especially in tech stocks) has been amazing. Despite the high unemployment rate many investors are enjoying that feeling of increased net worth in both their qualified and non-qualified money. At the same time many may feel concerns about the market valuations, not to mention the recent craziness around retail investor trading.  Are we set for a repeat of big market corrections of 1999 or 2008?   Is it time to take some chips off the table and reallocate assets?  Americans have seen the impact the pandemic has had on long-term care facilities and want a flexible plan for care.  One great option may be a single premium long-term care insurance plan.
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Jan 8, 2021

How low interest rates are changing LTC Insurance products

The last several years have seen major changes in LTC Insurance - leading to what can be referred to as LTC 2.0.  LTC 2.0 means that while the pure protection of traditional LTC insurance is still a popular option, there has been an accompanying growth in Hybrid LTC + Life plans - both in number of policies sold and number of carriers offering these plans.  However, the extended and record low interest rate environment may threaten some of the most popular provisions of these plans - including benefit guarantees.  How are carriers responding with new innovations?  This article will discuss that topic.
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Oct 6, 2020

Why the Traditional LTC Market is here to stay - and will grow

Recently I received an email from a Insurance Carrier who sells Linked Life/LTC plans with the headline "What happened to traditional LTC?".  The email started by saying "It wasn't so long age that traditional long-term care (LTC) insurance dominated the market, but now they are barely holding on while linked-benefit products are taking over."  Harsh! Of course, the credibility of any message is based on their motivation of the messenger and I'm sure that the carrier wouldn't mind if people thought there wasn't such a product option available anymore - (or for that matter other linked life/ltc carriers). But they are wrong about the future of Traditional LTC Insurance.
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Aug 26, 2020

The biggest mistakes people make when choosing to self-insure for LTC

For Financial Professionals that are savvy enough to have a discussion about the impact of a long-term care event one of the most important topics is whether a client should consider long-term care insurance or should instead "self-insure". Recently, I had a conversation with Noel Evans of AHT. Noel is a LTC planning specialist and often this question comes up with his clients.  Our fifteen minute conversation is below and worth watching.       Here are some of mistakes we think people make when "defaulting" to self-insurance:
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The Latest LTCI News

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

Sep 23, 2022

OneAmerica - FAQs regarding Long-Term Care and the Pension Protection Act

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Sep 20, 2022

Mutual of Omaha Announces In-Force Rate Actions in AL, MT, PA, SC, TN and VA

Mutual of Omaha actively monitors our inforce long-term care business, filing rate adjustments when necessary to ensure we keep our promises to policyholders and remain competitive in the marketplace. 
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Sep 19, 2022

NGL Launches Sales Contest Through October

Reach New Heights with NGL From September 16 through October 31, 2022 you could earn up to $1,000 in Amazon gift cards simply by selling NGL's EssentialLTC. To qualify for this promotion, start by submitting an EssentialLTC application. Second application = $100 Amazon gift card Third application = $200 Amazon gift card Fourth application = $300 Amazon gift card Fifth application = $400 Amazon gift card Achieve your yearly goals and reach new heights with NGL!
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Sep 12, 2022

Lincoln's Pricing Improvements go into Effect

Great news:  Lincoln's pricing improvements on its MoneyGuard II and MoneyGuard Fixed Advantage products go into effect today!  While premiums have decreased across the board, the improvements are especially dramatic at the older ages.  From Lincoln: 
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Sep 12, 2022

Genworth Announces In-Force Rate Actions in VA and IA

Read bulletins for the week of September 12, 2022   Genworth | Weekly Bulletin       News Bulletin 9/12/22 Long Term Care Insurance In-Force Rate Action Announcement: Virginia: Privileged Choice® & Classic Select® with Flexible Benefit Option and 1% Benefit Increase Option Effective: September 12, 2022 Read More   In-Force Rate Action Announcement: Iowa: Choice 1 with Lifetime Stable Premium Option Effective: September 12, 2022 Read More  
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Sep 6, 2022

NGL Product Update Reminder in AZ, CT, FL, IN & DC

 
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Sep 6, 2022

How Inflation is affecting Long-Term Care

Inflation. We’re all feeling it right now, from the gas pump to the supermarket and more! We’re sure you’ve been working to protect your clients from inflation, but don’t overlook inflation’s impact on the cost of Long-Term Care. CNBC recently took a look at this topic and LTC Insurance planning solutions. This 3:25 video shares real-life stories about LTC and shares strategies to manage this retirement planning risk.
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Sep 6, 2022

Genworth Announces In-Force Rate Actions in AL, HI and OH

Read bulletins for the week of September 6, 2022 If you are having trouble reading this email, read the online version.   Genworth | Weekly Bulletin       News Bulletin 9/6/22 Long Term Care Insurance In-Force Rate Action Announcement: Alaska: Privileged Choice® Flex with 1% Benefit Increase Option Effective: September 6, 2022 Read More   In-Force Rate Action Announcement: Hawaii: Privileged Choice® Flex Effective: September 6, 2022 Read More   In-Force Rate Action Announcement: Ohio: Privileged Choice® Flex Effective: September 6, 2022 Read More  
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Aug 30, 2022

Sales Idea: How to Present LTC Insurance to Middle Market Clients

Check out this brief video where our national sales leader Steve Cain is joined by Stephen Alloy of Mutual of Omaha to discuss how to sell LTC Insurance to middle market buyers. They quickly cover ways to present LTC Insurance to the middle market buyers (Inflation protection and Mutual of Omaha's MutualCare Solutions software).
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Aug 26, 2022

NGL to Launch New Pricing Next Week in AZ, CT, FL, IN & DC

READ BELOW FOR DETAILS ON SECURING CURRENT NGL RATES IN THESE STATES!
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