About expertltc.com
We're independent long-term care insurance specialists with one mission: help you find the right coverage without the sales pressure.
Years of Experience
Carrier Partners
Families Helped
States Served
Our Story
Long-term care insurance can be confusing. With so many carriers, policy types, and options, most people don't know where to start. That's where we come in.
We started expertltc.com because we saw too many families either buying the wrong coverage or avoiding the conversation entirely. Neither is a good outcome.
Our approach is different. We take the time to understand your situation—your health, your finances, your family, and your goals. Then we shop the market to find options that actually make sense for you.
We're not here to sell you the most expensive policy. We're here to help you make an informed decision, whether that means buying coverage, self-insuring, or using a combination of strategies.
What We Stand For
Honest Advice
We tell you what you need to hear, not what you want to hear. If LTC insurance isn't right for you, we'll say so.
Compare All Options
We work with 15+ top-rated carriers to find the policy that truly fits your needs and budget.
Personal Service
You'll work directly with a dedicated specialist who knows your situation—not a call center.
Education First
We believe informed decisions are the best decisions. We'll teach you everything you need to know.
Why Work With Us?
✓Independent, Not Captive
We're not tied to any single insurance company. This means we can shop the entire market to find you the best coverage at the best price.
✓No Pressure, Ever
We provide information and recommendations, but the decision is always yours. We never use high-pressure sales tactics.
✓Licensed Specialists
Our team members are licensed insurance professionals who specialize exclusively in long-term care planning.
✓Free Consultations
Our initial consultations and policy comparisons are always free. You only pay when you decide to purchase a policy.
How We Work
Discovery Call
We learn about your health, finances, and goals to understand what coverage makes sense.
Market Analysis
We shop 15+ carriers to find policies that match your needs and budget.
Comparison Review
We present your options side-by-side, explaining the pros and cons of each.
Application Support
Once you choose, we guide you through underwriting and help with any questions.
Common Questions
How do you get paid?
We receive a commission from the insurance carrier when you purchase a policy. This commission is built into the policy price—you don't pay extra for using our services. Because we work with multiple carriers, we have no incentive to push one company over another.
Are you really independent?
Yes. We're not employed by any insurance company. We have contracts with 15+ carriers and can recommend any of them based solely on what's best for you.
What if I already have an agent?
That's fine! Many people come to us for a second opinion. We're happy to review what you've been offered and let you know if we think there are better options.
Do you only sell LTC insurance?
Long-term care planning is our specialty. While some of our team members hold licenses for other products, our focus and expertise is LTC insurance.
Ready to Talk?
Schedule a free, no-obligation consultation. We'll answer your questions and help you understand your options.