LTC Solutions

What LTC Solutions does

LTC Solutions (legal entity: Long Term Care Solutions, Inc.) is an independent, privately held national insurance brokerage founded in 1996 and headquartered in Redmond, Washington. The firm specializes exclusively in long-term care (LTC) insurance and combines LTC, Life+LTC, and Life+Chronic Illness coverage for employer groups, professional associations, insurance brokers, and individual consumers. It has served over 1,000 groups nationwide with 100+ years of combined team experience in the LTC niche and is WBENC-certified as a women-owned business enterprise.

The company's core offering is multi-carrier brokerage services — accessing LTC, Life+LTC, and Life+Chronic Illness products from 16+ leading insurance carriers (including The Standard, Chubb, CNA, Genworth, MassMutual, MetLife, Mutual of Omaha, Nationwide, NGL, Prudential, Securian, Thrivent, Transamerica, Trustmark, and Unum) so clients receive unbiased market access. The technology layer is a web-based enrollment and plan administration platform that supports plan evaluation, employee/member enrollment, and ongoing administration, supplemented by an educational technology suite for participant engagement and a toll-free line staffed by licensed LTC specialists for claims assistance. The firm cites over 10,000 hours of continuing education provided to insurance brokers and HR professionals.

Revenue is generated through insurance carrier commissions on policies placed and administered, including recurring residuals on the in-force book (described in the source as a 'subscription_recurring' revenue model). Pricing is quote-based and varies by age, health status, coverage amount, benefit period, and inflation protection, with multi-year contracts. Go-to-market is sales-led and operates across four parallel channels: direct employer HR sales, broker partner network, association partnerships, and direct-to-individual consumer sales. The company is privately held, has no outside funding, and operates under Washington corporation law.

Name

LTC Solutions

Legal name

Long Term Care Solutions, Inc.

Website

https://ltc-solutions.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

LTC Solutions is an independent national insurance brokerage founded in 1996 and headquartered in Redmond, WA that specializes exclusively in long-term care (LTC), Life+LTC, and Life+Chronic Illness insurance for employer groups, associations, brokers, and individuals across the United States.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)

akta.pro secondary industry

Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB)

Keywords

• Long-term care insurance
• Employee benefits brokerage
• Insurance carrier partnerships
• LTC enrollment services
• Voluntary benefits administration

Headquarters

HQ city

Redmond

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: LTC Solutions operates as an independent national brokerage firm earning commissions from insurance carriers for placing LTC, Life+LTC, and Life+Chronic Illness insurance policies. They work with all major insurance companies in the marketplace and earn commissions on each policy sold and administered.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

LTC Solutions is an independent national insurance brokerage that places long-term care insurance (LTC), Life+LTC, and Life+Chronic Illness products from 16 leading U.S. carriers for employer groups, associations, broker partners, and individuals. Services span product proposals, implementation, enrollment support, plan administration, billing, application and claims assistance, backed by a proprietary web-based enrollment, administration, and educational technology suite.

Product overview

LTC Solutions is a full-service, independent national brokerage firm specializing exclusively in Long Term Care Insurance and Life + Long Term Care insurance products as employee benefits. The company offers a portfolio of LTC insurance products including standalone LTC, Life + LTC, and Life + Chronic Illness coverage. The product portfolio is supported by technology services including a web-based enrollment and administration platform, educational technology suite for participant engagement, and additional services such as product proposals, application assistance, claims assistance, and billing administration. The company serves employers, brokers, associations, and individuals nationwide through partnerships with multiple insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Long Term Care (LTC) Insurance Placement Insurance brokerage placement of standalone long-term care insurance providing coverage for custodial care in assisted-living facilities, nursing homes, or at home due to physical impairment or cognitive decline. Offered to employer groups, associations, broker partners, and individuals via 16 major U.S. carriers.
• Life + Long Term Care Insurance Placement Insurance brokerage placement of combined life insurance and long-term care coverage, including chronic illness riders, from multiple carriers. Designed for employers, associations, brokers, and individuals seeking integrated life and LTC protection.
• Life + Chronic Illness Insurance Placement Insurance brokerage placement of life insurance with chronic illness coverage riders, providing benefits linked to chronic illness conditions. Marketed to employer groups, associations, broker partners, and individuals.
• Web-Based Enrollment and Administration Platform Proprietary web-based technology platform enabling evaluation of LTC insurance options, employee/individual enrollment in benefits, and ongoing plan administration. Used by employers, brokers, associations, and individuals nationwide.
• Product Proposal Services Expert consultation service providing individuals with product options, plan design recommendations, and pricing detail for personal LTC solutions.
• Application Assistance Service assisting individual consumers with completing and submitting insurance company applications for LTC coverage, reducing administrative burden on the applicant.
• Claims Assistance Ongoing support service for policyholders navigating the LTC claims process, delivered via a dedicated 800 number staffed by licensed LTC specialists.
• Educational Technology Suite Technology platform providing educational content and interactive tools to engage participants during LTC enrollment for employer groups and associations.
• Plan Administration Services Full-service administration covering re-enrollment, new-hire enrollment, and post-enrollment support to align with employer and association program objectives.
• Billing Services Day-to-day plan administration including billing, new-hire strategy, and value-added programs provided to broker partners and their employer clients.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

16 partnerships are on record, tiered core.

• The StandardcoreOthersNational insurance carrier partner providing LTC product solutions. The Standard is one of 16 insurance companies LTC Solutions works with to offer LTC, Life+LTC, and Life+Chronic Illness products.
• ChubbcoreOthersInsurance carrier partner offering LTC product solutions through LTC Solutions brokerage.
• CNAcoreOthersInsurance carrier partner providing LTC product solutions in the marketplace.
• GenworthcoreOthersMajor insurance carrier partner specializing in LTC insurance products.
• LifeSecurecoreOthersInsurance carrier partner offering LTC product solutions through LTC Solutions.
• MassMutualcoreOthersInsurance carrier partner providing LTC and Life+LTC product solutions.
• MetLifecoreOthersInsurance carrier partner offering LTC product solutions.
• Mutual of OmahacoreOthersInsurance carrier partner providing LTC product solutions nationwide.
• NationwidecoreOthersInsurance carrier partner offering LTC product solutions.
• NGL (National General Holdings)coreOthersInsurance carrier partner providing LTC product solutions.
• PrudentialcoreOthersMajor insurance carrier partner offering LTC and Life+LTC products.
• Securian Financial GroupcoreOthersInsurance carrier partner providing LTC product solutions.
• ThriventcoreOthersInsurance carrier partner offering LTC product solutions.
• TransamericacoreOthersInsurance carrier partner providing LTC product solutions.
• TrustmarkcoreOthersInsurance carrier partner offering LTC product solutions.
• UnumcoreOthersInsurance carrier partner providing LTC product solutions for employer groups.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Others

• Genworth: Genworth is the largest dedicated LTC insurance carrier in the US and a core carrier partner of LTC Solutions. Compares because it both supplies product and competes in distribution — its producer relationships overlap directly with the brokerage channel LTC Solutions depends on.
• Securian Financial: Securian Financial is both an LTC carrier partner of LTC Solutions and a competitor in the sense that it sells individual and group LTC directly. Compares because it is one of the 16 carriers the firm works with while also operating in the same distribution channels.
• Mutual of Omaha: Mutual of Omaha is a leading LTC carrier that distributes LTC products both directly and through independent brokerages like LTC Solutions. Compares as both a key carrier partner and a partial channel competitor in individual and employer LTC.

Direct peers

• LTC Partners: LTC Partners (a division of LTCG) is one of the most direct competitors — an independent long-term care insurance specialist working with carriers and employers to place individual and group LTC coverage. Highly comparable business model and target customer set.
• Newman Long Term Care: Independent brokerage specializing exclusively in long-term care insurance for individuals and employers. Direct competitor with similar carrier-agnostic positioning and a comparable specialty focus on LTC placement.
• CLTC (Center for Long-Term Care): Independent LTC insurance brokerage and consulting firm focused on long-term care solutions for individuals, employers, and associations. Comparable niche specialty and carrier-agnostic distribution model.

Broad incumbents

• OneDigital: OneDigital is a large US benefits and insurance brokerage that offers LTC and voluntary benefits alongside medical, dental, and retirement products to employers of all sizes. Represents the broader broker competitive set that has steadily added LTC capabilities.
• USI Insurance Services: USI is one of the largest US insurance brokerage and consulting firms, offering personal lines including LTC solutions through dedicated specialty practices. Competes for the same employer and individual LTC placements but as part of a much broader portfolio.
• NFP (National Financial Partners): NFP is a large US insurance broker and consultant serving corporate and personal lines including long-term care. Comparable employee benefits and LTC placement activities but at materially greater scale and broader product breadth.
• Brown & Brown Insurance: Brown & Brown is a large national insurance brokerage that offers employee benefits including LTC and voluntary benefits. Larger-scale competitor offering similar employer-group LTC placement as part of a much broader product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ltcsolutionsinc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 LTC Solutions