LTCI Partners

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

Nationwide
Lincoln Financial Group
Thrivent Financial
NGL
Mutual of Omaha
Securian Financial
OneAmerica

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 2023 Tax Guide to LTC Insurance

A 2023 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

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“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.”

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“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

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?
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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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The Latest LTCI News

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Jan 30, 2023

Genworth Announces In-Force Rate Action in AR, NV and TN

Read bulletins for the week of January 30, 2023   Genworth | Weekly Bulletin        News Bulletin 1/30/23 Long Term Care Insurance In-Force Rate Action Announcement: Arkansas: Privileged Choice® Flex with 1% Benefit Increase Option and Reduced Covered Percentage Option Effective: January 30, 2023 Read More   In-Force Rate Action Announcement: Nevada: PCS I Effective: January 30, 2023 Read More   In-Force Rate Action Announcement: Arkansas: Privileged Choice® & Classic Select® with Flexible Benefit Option and 1% Benefit Increase Option Effective: January 30, 2023 Read More   In-Force Rate Action Announcement: Tennessee: PCS I and PSC II with Lifetime Stable Premium Option Effective: January 30, 2023 Read More  
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Jan 27, 2023

OneAmerica - January 2023 Care Solutions News

Time to Shine Looking ahead... I hope this finds you well and that your new year is off to an incredible start. We are incredibly excited about our new Care Solutions distribution support model at OneAmerica®.  We have reorganized our team to support you where and how you do business:  at the individual producer level, regional brokerage general agency level, and at the national independent marketing organization or financial institution level. We have expanded the number of OneAmerica sales professionals who are ready to meet with you one on one and we have added to our account relationship management team.   While we have all figured out how to work in a virtual environment, I firmly believe that face to face relationships and partnerships are how we grow our businesses together. If your business grows, then our business grows. This year I am excited that we are driving face to face engagement; sitting down with you in your office to learn how we can help you make asset based LTC a strong component of your business; how we can help develop marketing plans and create campaigns to reach your clients; and how we can protect more families against the risks associated with extended care. With the new Secure 2.0 Act, more than a dozen states talking about state LTC programs for their citizens, and encouraging discussions in the medical field about possible cures for Alzheimer’s, the need for long term care planning has never been more prevalent. As I shared in a previous article, a good friend shared that we are in the business of having courageous conversations. Thank you for having those conversations every day. Best wishes for your continued selling success. Give us a call and let us know how we can help.  Cheers, Jeff Operations Updates Access January interest rates Review new business interest rates for OneAmerica company products that took effect on Jan. 15.  Tools and Resources Time to move to eApps! Register for OneSource Online Are you still submitting your OneAmerica business on paper? If you answered Yes, now is a great time to get started using eApps for writing your new business whenever possible! One of the first things you’ll need to do to start this process is to register for OneSource Online (OSO) and access Sales Connection. Please go here for detailed instructions to register for OneSource Online. Once you have registered for OSO you can accomplish a lot of tasks, such as checking pending business and commissions and accessing Sales Connection. There are some great resources available on OSO to learn about submitting eApps that you will find helpful. eApp Resources OneAmerica has a lot of resources to help you with this transition. And if you have any questions, feel free to reach out for help. eApp Tip Sheet (I-28398) eApp Prep Sheet (I-33916) eApp Demo Video: https://www.screencast.com/t/JFWrvunYkI6 https://p.allego.com/jNcrYcZNLvBNL ePolicy Deliver Benefits (I-33878) eSignature Process Video If you have an iPipeline subscription, you can have OneAmerica products turned on and submit eApps that way as well. Compliance Updates Best Interest and Suitability updates Attention Massachusetts: Best interest is here! Massachusetts has updated the requirements around Best Interest and Suitability in Annuity Transactions. New training courses are required to submit applications for any annuity products, including Asset Care Annuity Funding Whole Life. The changes for Massachusetts will go into effect on June 1, 2023. Producers selling any annuity products, including Asset Care Annuity Funding Whole Life in Massachusetts, must take these new training courses to sell these products.  Information will be forthcoming on the new training requirements and the new forms to use in Massachusetts. Original forms can be submitted until updated ones are made available. Existing producers in Massachusetts have until June 1, 2023, to update their training and new producers must complete the new Best Interest and Suitability four-hour training before solicitation of any annuity products.  “Where and When” state chart Find state adoptions, training requirements and deadlines around Best Interest and Suitability in Annuity Transactions, on our state chart. The chart is updated on a rolling basis. New Best Interest Producer Guide and Forms In states that have adopted the Best Interest changes, producers are required to use the new  NAIC Best Interest Annuity Suitability Policies and Procedures Producers’ Guide, all other states will continue using the prior version of the guide. In eApp, original forms can be submitted until updated ones are made available. Email Signature Requirement for California Producers Effective Jan. 1, 2023, all insurance producers licensed in the state of California must include their California insurance license number in their business emails. Get details about the requirement. Training Corner Submitting CE Certificates Once you have completed your NAIC Annuity Suitability and Best Interest CE Certificates you can email your certificates to us at licensing.corpfin@oneamerica.com. We recommend you email us your certificates when received, there is no reason to wait.  Dig into Care Solutions Learn the basics of our Care Solutions products with free training webinars every other Friday. Go deeper with our Care Solutions Live Deep Dive webinars, which are in-depth modules on key asset-based LTC topics. Care Solutions state licensing guide Access our OneAmerica Care Solutions state licensing guide quickly and easily! Get the current version here. For use with financial professionals only. Not for public distribution. OneAmerica® is the marketing name for the companies of OneAmerica. Products issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Asset Care Form numbers: ICC18 L302, ICC18 L302 JT, ICC18 L302 SP, ICC18 L302 SP JT, ICC18 R537, ICC18 R538, ICC18 SA39 and ICC18 R540; L302, L302 JT, L302 SP, L302 SP JT, R537, R538, SA39 and R540. Not available in all states or may vary by state.  “Partnership” in this context refers to being a “teammate” and in no way infers or implies that of being a partner in a legal arrangement known formally under state and federal law as a “partnership.”  NOT A DEPOSIT. NOT FDIC/NCUA INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY ANY BANK OR CREDIT UNION. MAY LOSE VALUE. © 2022 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica® and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.  
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Jan 24, 2023

Securian Financial - SecureCare III Repriced

And we look good
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Jan 23, 2023

Mutual of Omaha - Inforce Rate Adjustments Impacting ME, NH, NM and OH

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Jan 20, 2023

Lincoln MoneyGuard Market Advantage is Coming to CA

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Jan 19, 2023

Securian Financial - SecureCare III Price Improvement

What you need to know
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Jan 18, 2023

Genworth Announces In-Force Rate Action in OH

Read bulletins for the week of January 17, 2023   Genworth | Weekly Bulletin       News Bulletin 1/17/23 Long Term Care Insurance In-Force Rate Action Announcement: Ohio: Privileged Choice® & Classic Select® with 1% Benefit Increase Option Effective: January 16, 2023 Read More  
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Jan 17, 2023

Lincoln MoneyGuard Fixed Advantage® Pricing Improvements

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Jan 12, 2023

John Hancock: In-Force Rate Action Notifications

 
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Jan 11, 2023

OneAmerica - Care Solutions Interest Rates Change January 2023

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