Business Details
29 Years
experience
Your Trusted Partner for LTC Insurance Solutions
Founded in 1997, Long-Term Care Resources (LTCR) has established itself as a national leader in Long-Term Care Insurance solutions. Our expertise lies in partnering with affinity groups, including professional associations, alumni organizations, and small businesses, to deliver tailored LTC insurance programs. With over 650 exclusive partnerships, we leverage collective buying power to provide discounted rates unavailable to the general public. Our nationwide network of licensed LTC Specialists ensures clients receive personalized guidance in selecting from multiple carriers and product options.We prioritize simplified underwriting criteria and lifelong policyholder advocacy, maintaining a commitment to transparency, client education, and ethical practices. Our track record of serving nearly 700,000 members underscores our dedication to helping individuals secure their financial futures against long-term care costs.
Services
Long-Term Care Insurance
Hybrid LTC Insurance
Stand Alone LTC Insurance
Life Insurance with LTC Rider
Hybrid Annuity LTC Insurance
Details
- Year established: 1997
Highlights and features
- Special Discounts through affinity group partnerships
- Access to 25+ top LTC insurance carriers
- Multiple product options including hybrid policies
- Simplified underwriting criteria for broader coverage
- Lifelong policyholder advocacy and support
Services
Long-Term Care Insurance
Our Long-Term Care Insurance provides comprehensive financial protection against extended care costs. Designed for individuals seeking dedicated coverage, these policies offer customizable benefit periods, inflation protection, and facility flexibility. With guaranteed renewability and benefit triggers tied to activities of daily living, our plans ensure policyholders maintain financial independence while accessing quality care in home, assisted living, or nursing facility settings.
Hybrid LTC Insurance
Hybrid LTC Insurance combines life insurance or annuities with long-term care benefits. These products guarantee lifetime coverage while providing liquidity for care needs. Policyholders receive death benefits to beneficiaries if LTC benefits remain unused, with options for return of premium features. Our hybrid solutions balance financial security with flexibility for changing life circumstances.
Affinity Group Programs
We develop customized LTC programs for professional associations and alumni groups. These initiatives leverage organizational buying power to deliver exclusive member discounts, simplified enrollment processes, and guaranteed issue options. Our dedicated account management team ensures seamless implementation while maintaining compliance with regulatory requirements for group-sponsored insurance offerings.
LTC Specialist Support
Our nationwide network of licensed LTC Specialists provides personalized policy guidance. Specialists receive exclusive access to endorsed leads, competitive commission structures, and comprehensive training resources. We support agents with marketing materials, underwriting assistance, and ongoing business development strategies to enhance their LTC insurance practice.
Cost of Care Analysis
We offer interactive tools to estimate long-term care expenses and evaluate coverage options. Our calculators demonstrate premium-to-benefit ratios, showing how $100,000 in payments could generate over $600,000 in potential benefits. These resources help clients understand policy values, compare product structures, and make informed decisions about their financial protection strategies.
People
Joe Sturla
Vice President of Affinity Marketing
With extensive experience in insurance marketing, Joe Sturla leads LTCR's affinity group partnerships. He specializes in developing strategic collaborations with professional organizations and alumni associations to deliver valuable LTC benefits to their members.
Rob Culver
VP of Agency Development
Rob Culver manages LTCR's agent development programs. His expertise in LTC insurance distribution focuses on creating competitive compensation structures and support systems that help specialists grow their practices effectively.
Questions
What types of Long-Term Care Insurance policies do you offer?
We provide traditional LTC policies, hybrid life/LTC combinations, annuity-based solutions, and standalone products with options for inflation protection and varying benefit periods.
How do affinity group members receive discounted rates?
Our group partnerships leverage collective buying power to negotiate preferred pricing unavailable to individual buyers through standard market channels.
Can I customize my LTC coverage?
Yes, our specialists help design policies matching your budget, health profile, and care preferences with options for facility choice and benefit amounts.
What underwriting advantages exist?
Our programs offer simplified medical requirements and guaranteed issue options that make coverage accessible for more applicants compared to standard individual policies.
How do hybrid LTC policies work?
These products combine life insurance or annuities with LTC benefits, ensuring value delivery whether through care expenses, death benefits, or return of premium features.
How can agents partner with LTCR?
We provide competitive commissions, exclusive endorsed leads, and comprehensive support for licensed specialists through our direct agency development program.
