Business Details
Your Trusted Partner for LTC Insurance in California
California Long Term Care has established itself as California's largest independent long-term care insurance brokerage. Our team of professionals brings 65 years of combined experience exclusively focused on long-term care insurance solutions. Since our inception, we have successfully assisted over 30,000 consumers in securing appropriate long-term care coverage. Our statewide network of appointed agents, many with decades of industry experience, provides tailored solutions to meet individual client needs. We maintain partnerships with top-tier insurance providers including Mutual of Omaha, National Guardian Life, Nationwide, OneAmerica, and Thrivent. Our exclusive specialization in long-term care insurance enables us to offer unparalleled expertise in this complex field.Our mission centers on preserving Californians' dignity, independence, and financial security through comprehensive care planning. We approach each client relationship with the same integrity and service standards we would expect for ourselves, ensuring transparent communication and ethical business practices. Our commitment extends beyond basic insurance placement to comprehensive education and guidance through our extensive Learning Center resources. This focused expertise positions us to deliver superior value to clients navigating long-term care planning decisions.
Services
Long Term Care Insurance
Annuities with LTC Riders
Life Insurance with LTC Riders
Critical Illness Insurance
Hybrid Policies
Highlights and features
- We offer 65 years of combined experience in long-term care insurance
- Our team has helped over 30,000 consumers with LTC policies
- We maintain statewide network of highly trained LTC specialists
- We specialize exclusively in long-term care insurance solutions
- We uphold strict ethical standards with transparent communication
What people say
Expertise in LTC planning
Personalized service approach
Comprehensive coverage options
Asset protection focus
Knowledgeable specialists
Services
Long Term Care Insurance
Long Term Care Insurance protects against the financial burden of extended care needs due to chronic illness or disability. This coverage provides flexibility for care in various settings including home, assisted living facilities, or nursing homes. Our customized policies include options for inflation protection, benefit periods, and return of premium features to meet individual needs.
Annuities with LTC Riders
Annuities with Long Term Care Riders combine retirement income security with care expense coverage. These financial instruments provide guaranteed income streams while allocating funds specifically for potential long-term care needs. Our specialists help clients structure these products to maximize both retirement security and care coverage.
Life Insurance with LTC Riders
Life Insurance policies with Long Term Care Riders offer dual benefits by combining death benefits with living benefits for care expenses. This innovative solution allows policyholders to access funds for care needs while maintaining inheritance protection for beneficiaries. Our experts help clients evaluate these options based on individual circumstances.
Critical Illness Insurance
Critical Illness Insurance provides lump-sum benefits upon diagnosis of specified serious health conditions. This coverage helps maintain financial stability during recovery periods by offsetting treatment costs and income loss. Our advisors help clients determine appropriate coverage levels based on personal health history and risk factors.
Hybrid Policies
Hybrid insurance products integrate multiple financial protections into single policies. These solutions often combine life insurance, long-term care benefits, and investment components. Our specialists help clients navigate these complex products to find optimal combinations that meet both protection and investment objectives.
Questions
What long-term care insurance options do you offer?
We offer traditional LTC policies, hybrid life insurance riders, annuities with LTC benefits, and critical illness coverage options.
How are long-term care insurance premiums determined?
Premiums depend on age, health status, coverage amount, benefit period, and selected policy features like inflation protection.
Do you offer alternatives to traditional LTC insurance?
Yes, we provide hybrid policies, annuities with LTC riders, and critical illness insurance as alternative solutions.
Can I get coverage if I have pre-existing conditions?
Coverage availability depends on specific conditions and underwriting guidelines from our partner insurers.
How does the consultation process work?
We offer free no-obligation consultations to assess your needs and recommend personalized coverage options.
What areas do you serve?
We specialize in long-term care solutions for California residents statewide.
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