LTCI Partners

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

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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.

Choose your State!

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.

Check it out!

Advisor Guide to LTC Planning

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

Get the Guide

Group Guide to LTC Insurance

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

Request the Guide

“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.

View Webinar Library

Advisors's Guide to Linked Benefit Products

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

Download a Copy

A Shareable Consumer PowerPoint

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

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A 2025 Tax Guide to LTC Insurance

A 2025 Guide to LTC Insurance and Taxes, including Business Tax Advantages

Get the PDF

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.

Download Report

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 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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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

Feb 7, 2025

Why 10-pay LTCi could be a smart move

Note: This was originally published in the February 6th edition of Insurance News Net As a large portion of the U.S. population ages, difficult decisions about long-term care insurance and its various products will take center stage in many families. Whether someone is considering a traditional or hybrid LTCi policy, there are some basic choices to make. The primary considerations include what the benefits will look like when care may be needed, the initial monthly LTC benefit, total benefit pool and inflation protection. However, another essential decision centers on determining how to pay for it. Families can consider different payment options, such as annual lifetime-pay plans, single-pay plans or the increasingly popular 10-pay premium plan. One key benefit of 10-pay plans, applicable to both traditional LTCi and hybrid plans, is that premiums are guaranteed never to increase during the payment period. This feature provides certainty and peace of mind, ensuring that policyholders know exactly what they will pay.

Nov 19, 2024

When is the best time to purchase Long-Term Care Insurance?

Long-Term Care plans are generally available up to about age 79. There are both advantages and disadvantages to purchasing Long-Term Care at various ages. The optimal time to purchase Long-Term Care Insurance is typically in your 50’s and early 60’s. This is because: It’s more affordable than waiting until you are older You are more likely to meet the insurer’s health requirements Provides adequate time to develop your financial strategy

Oct 16, 2024

Long-term care costs continue to rise, regardless of politics

Note: InsuranceNewsNet first published this article authored by Tom Riekse article on October 4, 2024. As the average American lifespan continue to expand, many retirees are re-examining their saving strategies and health-care budgets to ensure they have enough money to live comfortably and in good health for longer than they might have originally anticipated. Although many retirees have set aside some money for long-term care as a part of their health-care budget, what they might not realize is that the cost of long-term care is only going to increase.

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?

The Latest LTCI News

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Apr 28, 2025

John Hancock: In-Force Rate Action to take place in late May 2025

Apr 23, 2025

Sustainable Solutions: The Future of Long-Term Care Financing

Apr 8, 2025

Coming Soon - Lincoln MoneyGuard Fixed Advantage 2025

Effective April 14, 2025, and pending state approval, Lincoln Financial Group will implement structural and pricing changes to Lincoln MoneyGuard Fixed Advantage® with the launch of Lincoln MoneyGuard Fixed Advantage® (2025).

Apr 4, 2025

Mutual of Omaha - Important Update: LTC13 Pre-Rate Refresh Increase Information

Mar 27, 2025

John Hancock: In-Force Rate Action to take place in late April 2025

Mar 17, 2025

OneAmerica - Leading Tomorrow: 2025 Long-Term Care Market Outlook Webinar

Mar 14, 2025

John Hancock - LifeCare

Mar 3, 2025

Bridge® by EquiTrust: Unlock tax-free Long-Term Care benefits

Feb 26, 2025

John Hancock: In-Force Rate Action to take place in late March 2025

Feb 19, 2025

Thrivent - 2025 LTCi Underwriting Resources

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