What Certification for Long Term Care does

Certification for Long Term Care (CLTC), established in 1999 and headquartered in Durham, North Carolina, is a private professional certification body that trains and credentials financial-services professionals in extended care (long-term care) planning. Operating as a for-profit LLC with an 11-50 employee footprint, CLTC administers the only independent, third-party designation in the U.S. LTC planning space — a credential with no affiliation to any specific insurance carrier. Revenue is generated primarily through per-seat course tuition for the core Master Class and self-paced eCLTC programs (both priced at $1,280), a tiered set of adjacent courses (Foundations, Product Insider, Medicare+, Accelerator) priced from $199 to $880, bi-annual renewal fees, subscription access to the CLTC Digest, and ancillary sales of marketing materials and white papers.

The product platform centers on a 100-question proctored examination that confers the CLTC designation, delivered through either a 16-hour live/virtual Master Class or a 24-module self-paced eCLTC online track. Delivery technology is a conventional learning management stack: instructor-led videos, learning objectives, assessment quizzes, and PowerPoint modules accessed via a student dashboard; CertiTrek handles multi-state continuing-education (CE) approvals, with state-specific insurance CE credit (7-15 hours) and 10 CFP CE credits approved across all 50 U.S. states. Go-to-market is sales-led: CLTC pursues individual licensed insurance agents, financial advisors, attorneys, and CPAs, while leveraging formal recognition — and in many cases tuition subsidies — from major insurance carriers (MassMutual, Nationwide, New York Life, Northwestern Mutual, Mutual of Omaha, OneAmerica, Thrivent, NGL, LTCI) and professional associations (NAIFA, NAHU, The American College, CFP Board, Financial Planning Association) to drive enrollment and embed the credential in the industry's standard CE architecture.

CLTC monetizes its graduate base beyond initial certification through a retention-oriented ecosystem: monthly webinars, quarterly Digest publications, sales tools, downloadable marketing collateral, and a public "Find a CLTC" directory that gives certified designees consumer-visible lead generation. The company has no disclosed funding, parent entity, or subsidiaries, appears to be founder/management-owned, and has operated continuously for over two decades, collecting industry recognition (2021 Wall Street Journal consumer recommendation, Barron's SmartAssets, NAIFA endorsements) as a primary asset of its business model rather than via traditional sales-led growth mechanics.

Name

Certification for Long Term Care

Legal name

Certification for Long-Term Care, LLC

Website

https://ltc-cltc.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Certification for Long Term Care (CLTC), founded in 1999 in Durham, NC, is an independent professional certification body that trains and credentials U.S. financial-services professionals — insurance agents, financial advisors, attorneys, and CPAs — in long-term care and extended care planning through the CLTC designation and adjunct courses.

Ownership category

akta.pro rank

Product category

Professional Certification and Continuing Education

NAICS

Exam Preparation and Tutoring (611691), Business Schools and Computer and Management Training (6114)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Certification & Exam Prep Course Marketplaces (EDAFAIAJ)

Keywords

• Long-term care certification
• Professional designation training
• Extended care planning
• Insurance continuing education
• Financial advisor education

Headquarters

HQ city

Durham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. CLTC Designation Course Fees: Revenue from professional certification courses including Master Class and eCLTC online programs. Students pay tuition to receive training, exam attempts, course materials, and designation status. Many insurance carriers subsidize or fully cover tuition for their agents.
2. Specialized Course Offerings: Additional revenue streams from supplementary courses including Foundations ($399), Product Insider ($445 virtual/$349 self-study), Medicare+ ($499), and Accelerator Program ($880).
3. Marketing Materials Sales: Sale of educational materials to graduates and non-graduates including the CLTC Digest subscriptions ($24.95 annual/$9.95 single issue) and white papers on LTC tax advantages ($89-$149).
4. Annual Renewal Fees: Ongoing annual renewal fees required to maintain CLTC designation status every two years, along with access to updated renewal course materials.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

CLTC delivers the Certified in Long-Term Care (CLTC) professional designation and continuing education programs for insurance agents, financial advisors, attorneys, and CPAs. The core offering is the CLTC Designation Course, available through a 16-hour Master Class (virtual or in-person) or a 24-module self-paced eCLTC online program, both preparing candidates for a 100-question proctored exam that confers the CLTC designation. Supplementary courses (Foundations, Product Insider, Medicare+ Extended Care Planning, and the Accelerator Program) extend the curriculum for non-specialists, Medicare agents, and post-certification coaching.

Product overview

Certification for Long Term Care (CLTC) is a professional certification and continuing education provider for insurance and financial professionals. The core offering is the CLTC Designation Course, available through two pathways: the two-day Master Class (16-hour virtual or live classroom experience) or eCLTC (online self-paced learning with 24 modules). Both pathways prepare candidates for the 100-question proctored exam. The product portfolio also includes supplementary courses: Foundations (4-hour introductory course), Product Insider (product overview class), Medicare+ (for Medicare agents), and the Accelerator Program (post-Master Class coaching). All courses offer CE credits approved in most U.S. states.

Differentiator

Problem solved

Functional benefit

Products and services

• CLTC Designation Course The flagship professional certification program that trains insurance and financial professionals in extended care planning. Candidates must pass a 100-question multiple-choice proctored online exam (70% passing grade) within 120 days of enrollment to earn the CLTC designation. Available via Master Class or eCLTC pathways.
• Master Class
• eCLTC Online Self-Study A 24-module self-paced online alternative to the Master Class leading to the CLTC designation. Includes instructor-led videos, learning objectives, assessment quizzes, PowerPoint presentations, and exam access. Priced at $1,280 with a 4-month installment payment option.
• Foundations Course A 4-hour CE-approved introductory training course for financial professionals who do not want to be LTC specialists but want to open and manage extended care planning conversations. Covers best practices, LTC basics, impact on client income and family, and product overview. Priced at $399 virtual / $199 self-study. Does not meet LTC renewal requirements for selling LTC products.
• Product Insider A CE-credit class providing an impartial overview of various LTC insurance products including Traditional LTCI, Hybrid Linked Benefit products, LTC Riders, Chronic Illness Riders, and Life Insurance basics. Available as a 4-hour virtual class ($445) or 2-hour self-study eProduct Insider ($349).
• Medicare+ Extended Care Planning A one-day course built specifically for Medicare agents to cross-sell LTC planning, generate income outside of AEP/OEP, and confidently quote and write LTC policies. Covers extended care identification, affordable coverage design, and product types. Priced at $499.
• CLTC Accelerator Program A follow-up coaching program for advisors who have completed the CLTC Master Class. Includes a Kick-Off Meeting plus five instructor-led 90-minute coaching sessions with a maximum of 25 attendees per cohort. Focuses on translating classroom training into practical day-to-day activity through four Key Action Steps. Priced at $880.

Quantifiable outcome

• Professionals with CLTC designation can offer comprehensive LTC planning services that protect families from emotional, physical, and financial devastation of extended care needs
• +2 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core.

• LTCIcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner that recognizes the CLTC designation. Organizations utilizing CLTC training for their agents and brokers.
• MassMutualcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner recognizing CLTC designation. MassMutual agents have access to CLTC certification and the company subsidizes tuition in many cases.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation. Provides training support for agents seeking LTC specialization.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner recognizing CLTC designation. Nationwide agents utilize CLTC training for LTC insurance sales qualification.
• New York LifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation. New York Life agents prominently featured in CLTC graduate directory.
• NGLcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation for agent training and LTC specialization.
• Northwestern MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation. Northwestern Mutual agents featured among CLTC graduates.
• OneAmericacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation for agent certification and LTC planning specialization.
• ThriventcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner recognizing CLTC designation. Thrivent agents prominently represented in CLTC graduate network.
• Financial Planning AssociationcoreStrategic or Co-development PartnerProfessional association partner recognizing CLTC designation for continuing education and professional development of financial planners.
• The American College of Financial ServicescoreStrategic or Co-development PartnerLeading educational institution for financial services professionals that recognizes and supports the CLTC designation.
• NAIFA (National Association of Insurance and Financial Advisors)coreStrategic or Co-development PartnerLeading professional association for insurance and financial advisors that recognizes and supports the CLTC designation.
• NAHU (National Association of Health Underwriters)coreStrategic or Co-development PartnerProfessional association for health underwriters recognizing CLTC designation for professional competency.
• CFP BoardcoreStrategic or Co-development PartnerCertified Financial Planner Board of Standards acknowledges CLTC designation for continuing education credit for CFP professionals.
• CertiTrekcoreTechnology or IntegrationCE provider entity handling continuing education credit approvals and administration for CLTC courses across all U.S. states. Provider numbers listed for each state.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• WebCE: Online continuing-education provider serving insurance and financial professionals with state-approved CE courses across all 50 states. Competes directly with CLTC on insurance CE delivery, particularly through online self-paced modules like eCLTC.
• Kaplan Professional: Provides licensing, designation, and continuing-education programs for financial services and insurance professionals. Offers competing CE-approved exam prep and designation pathways to insurance agents, overlapping directly with CLTC's Master Class and eCLTC tracks.
• The American College of Financial Services: Issues the ChFC, CLF, and RICP professional designations for financial advisors. CLTC itself is recognized by The American College, and both organizations confer third-party financial-services designations with continuing-education credit — directly comparable to CLTC's designation model.
• AHIP (America's Health Insurance Plans): Industry association offering Medicare, health insurance, and LTC-related training and certification programs for insurance professionals. Competes with CLTC for agent training budgets, particularly for Medicare and LTC-adjacent curriculum.

Broad incumbents

• NAIFA (National Association of Insurance and Financial Advisors): National professional association for insurance and financial advisors that recognizes the CLTC designation and offers its own CE and professional development programs. Larger and broader but adjacent in serving the same advisor buyer.
• National Association of Health Underwriters (NAHU): Professional association for health insurance and employee benefits professionals that recognizes CLTC for competency and offers its own CE-eligible training. Overlaps with CLTC's Medicare and LTC training buyer base.
• LIMRA: Industry research and education organization serving the insurance and financial services industry, including LTC-related research and training programs. Broader scope than CLTC but overlapping on LTC industry education and carrier training support.

Emerging players

• Society of Financial Service Professionals: Membership organization for financial service professionals offering continuing education and professional credentials. Smaller footprint than NAIFA but competes for the same professional-development wallet of financial advisors and insurance specialists.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CLTC4LTC

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Certification for Long Term Care