Business Details
Independent Insurance Brokers in Eden Prairie, MN
Long Term Care Insurance Advisors is an independent insurance brokerage serving Minnesota and western Wisconsin residents and small businesses for over three decades. Our mission focuses on delivering suitable, affordable insurance solutions across life insurance, Medicare, annuities, health insurance, long-term care, and retirement planning. With over 100 years of combined experience, our team of certified professionalsincluding Certified Financial Planners (CFP) and Certified Public Accountants (CPA)specializes in navigating complex insurance contracts to ensure clients receive policies with broad coverage at competitive prices.We operate as a one-stop shop, representing multiple top-rated insurers to simplify the selection process while maintaining a client-centric approach through personalized consultations, virtual meetings, and free online quotes. Our 96.8% annual client retention rate reflects our commitment to transparency, expertise, and exceptional service.
Services
Medicare Plans
Long Term Care Insurance
Hybrid Life LTC Insurance
Annuity Quotes
Financial Planning
Retirement Planning
Disability Insurance
Medicare Supplements
Medicare Advantage Plans
College Funding
Highlights and features
- We never charge clients a fee for our services
- 30+ years of experience in insurance and financial planning
- Independent brokerage representing 20+ top-rated insurers
- Certified professionals (CFP, CPA) with specialized expertise
- Free online quotes and personalized client consultations
What people say
Excellent service
Knowledgeable advisors
Patient and professional
No extra fees
Trusted guidance
Services
Medicare Plans
We specialize in Medicare Advantage, Medigap, and Prescription Drug Plans tailored to individual healthcare needs. Our team provides free, no-obligation comparisons of 137+ plans from 20 insurers, ensuring clients find coverage matching their prescription needs, provider networks, and budget. With annual enrollment support and ongoing policy management, we simplify complex Medicare decisions while maintaining zero service fees.
Long Term Care Insurance
Our long-term care insurance solutions address aging-related financial risks through traditional policies and hybrid life insurance riders. We help clients evaluate tax-advantaged options that provide care funding while preserving estate value. With expertise in Section 1035 exchanges and pre-existing condition accommodations, we deliver customized protection strategies for home care, assisted living, or facility-based services.
Financial Planning
Certified Financial Planners offer retirement income strategies, Social Security optimization, and investment management services. We integrate risk mitigation through annuities and insurance products while addressing college funding, legacy planning, and tax-efficient asset distribution. Our fiduciary approach prioritizes client goals through comprehensive cash flow analysis and personalized wealth preservation tactics.
Annuity Solutions
We provide immediate and deferred annuity options with guaranteed income streams for retirement stability. Our specialists explain tax-deferred growth benefits, 1035 exchange opportunities, and long-term care riders that convert existing annuities into care funding. We compare products across multiple carriers to find risk-appropriate solutions matching clients' liquidity needs and financial objectives.
Hybrid Insurance Policies
Our hybrid life insurance/LTC policies offer dual-benefit solutions that provide death benefits while covering long-term care expenses. These products feature return-of-premium options, inflation protection riders, and simplified underwriting for clients seeking asset-efficient protection. We analyze policy features from multiple insurers to identify plans balancing flexibility, cost, and coverage breadth.
Questions
How do you get paid for your insurance services?
We receive commissions from insurance companies when clients enroll in recommended plans. This compensation structure ensures no direct fees for our advisory services.
What areas do you serve?
We primarily serve Minnesota residents and businesses, with expanded service capabilities for clients in western Wisconsin.
Can you help with Medicare plan comparisons?
Yes, we compare 137+ Medicare Advantage, Medigap, and Prescription Drug Plans from 20+ insurers to find optimal coverage matches for your healthcare needs.
Do you offer financial planning services?
Certified Financial Planners provide retirement income strategies, investment management, and comprehensive financial plans tailored to individual goals and risk tolerance levels.
Are your insurance consultations free?
All our insurance advisory services, including policy comparisons and enrollment assistance, are provided at no cost to clients.
Can you assist with existing insurance policies?
We review current coverage, identify gaps, and recommend improvements while offering ongoing policy management and annual plan optimization services.
Videos
Reviews (4)
Peggy Pekrul
Jan 04, 2022
Report
Long Term Care Insurance Advisors was an excellent company to work with when we were purchasing long term care insurance. We had many questions as we looked at our options. They encouraged us to take all the time we needed to figure out what we thought would be the best plan for us. They were patient, professional and quickly responded to our questions. Highly recommended!
Greg Kimball
Dec 18, 2021
Report
Knowledgeable professional assistance with the myriad of plans out there. Helped us find a great plan that perfectly fit our needs. Highly recommended. You need to work with these guys!
Scott Solberg
Aug 06, 2021
Report
Brian and his team are very responsive, professional, and non-pushy. Excellent service, and I would recommend Long Term Care Insurance Advisors to anyone looking for a quality insurance agency in Minnesota, or the Minneapolis area.
Beth Darg
Jul 08, 2021
Report
I had no idea what Medicare plan would fit my needs, but was very happy after speaking with Gerry Woessner. He took the time to explain in detail how Medicare works, asked questions to help narrow down options, and provided complete information on all plans.
