LTC Consumer
LTC Consumer is a licensed insurance brokerage that aggregates long-term care insurance quotes from multiple carriers and provides educational resources and specialist consultations, primarily serving pre-retirees and Baby Boomers in the United States.
- Company typePrivate
- Founded2014
- HeadquartersVancouver, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What LTC Consumer does
LTC Consumer is a consumer-facing long-term care (LTC) insurance brokerage platform operated by MasterCare LLC, a privately-held LLC incorporated and headquartered in Vancouver, Washington. The platform aggregates LTC insurance quotes from multiple carriers, enabling individual consumers to compare policies, pricing, and coverage options through a single online source. Its core technology is a content-driven lead-generation and quote-comparison website (ltcconsumer.com) supplemented by phone-based consultation, with no disclosed proprietary technology stack, API, or AI components. A team of licensed LTC specialists provides personalized consultation, policy recommendations, and claims support, while an extensive content library (258+ blog posts, cost-of-care maps, video galleries, free guides, webinars, glossary) supports organic SEO-driven acquisition.
The company generates revenue exclusively through affiliate referral commissions paid by insurance carriers when consumers purchase LTCI policies through its platform; no subscription, fee-for-service, or B2B revenue streams are disclosed. Its primary customer segment is pre-retirees and Baby Boomers (aged 50-70+) concerned about protecting retirement assets from LTC costs, with secondary segments including women (given longer life expectancy and higher LTC likelihood) and family caregivers. Distribution relies entirely on direct-to-consumer channels — the website, a 877 number, online contact forms, and a network of licensed specialists — with no disclosed partnerships, no external funding rounds, and no M&A activity. The company holds insurance brokerage licenses in five states (Arkansas, California, Louisiana, Minnesota, Texas) and markets itself nationally, though it is a small-scale operator with 11-50 employees and no publicly disclosed revenue, funding, or valuation.
LTC Consumer firmographics
Firmographics- Name
- LTC Consumer
- Legal name
- MasterCare LLC
- Website
- https://ltcconsumer.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LTC Consumer is a licensed insurance brokerage that aggregates long-term care insurance quotes from multiple carriers and provides educational resources and specialist consultations, primarily serving pre-retirees and Baby Boomers in the United States.
- Ownership category
- akta.pro rank
LTC Consumer industry classification
Industry- Product category
- Long-Term Care Insurance Brokerage
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)
Keywords
Where LTC Consumer is headquartered
LocationHeadquarters
- HQ city
- Vancouver
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
LTC Consumer business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commission Revenue: LTC Consumer generates revenue by earning commissions from insurance carriers when customers purchase long-term care insurance policies through their platform. As a licensed insurance brokerage, they serve as an intermediary connecting consumers with LTC insurance providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Customized LTCI quotes based on individual assessment |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
LTC Consumer product offering
Product offeringCore offering
LTC Consumer is a long-term care insurance brokerage that aggregates quotes from multiple carriers in a single place, helping consumers compare LTCI policies, pricing, and coverage features. Licensed LTC specialists provide personalized consultations, policy recommendations, and claims support to individual consumers planning for retirement and potential long-term care needs. The offering is supported by a large library of free educational content (blog, video gallery, webinars, guides, and a Cost of Care Map).
Product overview
LTC Consumer operates as a long term care insurance quote comparison platform, offering a unified resource where consumers can access quotes from multiple carriers, educational content, and specialist support. The core platform aggregates LTC insurance options through its Get a Quote service, complemented by planning tools including a Cost of Care Map, Video Gallery, and educational webinars. The company pairs its digital tools with a team of licensed LTC specialists who provide personalized consultation and policy recommendations. Additional resources include a blog, free guides library, and health eligibility questionnaires that help consumers understand their options before committing to a policy.
Differentiator
Problem solved
Functional benefit
Products and services
- Long-Term Care Insurance Quote Service
Quantifiable outcome
- A healthy 65-year-old couple has a 75% chance that one partner will require a significant level of long term care (LTC) if they each live to their projected actuarial life expectancies
- +2 more outcomes
Companies that use LTC Consumer
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
LTC Consumer technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
LTC Consumer partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights4 records
LTC Consumer competitors and assessment
Company assessmentDirect peers
- LTC Tree: Online long-term care insurance brokerage that aggregates quotes from multiple carriers and connects consumers with LTC specialists, directly mirroring LTC Consumer's core comparison-and-consult model.
- LTC Shop: Digital LTC insurance comparison platform that allows consumers to shop and compare policies from multiple carriers, competing directly for the same online-intent Boomer demographic.
- Bankers Life: Insurance distributor with a strong focus on LTC insurance products marketed to pre-retirees and Boomers through a captive specialist sales force, directly overlapping LTC Consumer's segment and consultative motion.
Broad incumbents
- Genworth Financial: One of the largest U.S. long-term care insurance carriers, also operating significant broker and direct-to-consumer distribution; competes with LTC Consumer both as a product supplier and as a direct sales channel.
- Mutual of Omaha: Major LTC insurance carrier with both captive agent and broker distribution channels, overlapping LTC Consumer's customer base and competing for the same Boomer planning dollars.
- OneAmerica: Insurance carrier offering stand-alone LTC and hybrid life+LTC products through broker and advisor channels, frequently appearing as a quoted carrier on platforms like LTC Consumer.
- New York Life: Large mutual insurer offering hybrid life+LTC and asset-based LTC solutions through its agent network, an increasingly relevant competitor as the LTC market shifts from traditional to hybrid products.
- Nationwide: Large multi-line insurer offering LTC and hybrid LTC products through agent and direct channels; competes for Boomer retirement-planning customers with comparable educational content marketing.
- Lincoln Financial Group: Insurance and retirement provider offering moneyGuard hybrid life+LTC solutions through financial advisors, increasingly competing for the same Boomer planning dollars as LTC Consumer's specialist-led brokerage.
Emerging players
- SelectQuote: Direct-to-consumer insurance comparison platform that, while broader in scope (life, auto, home), competes for online Boomer intent and adjacent insurance comparison traffic with a much larger technology and marketing footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
LTC Consumer social profiles
Digital presenceLTC Consumer financial estimates
Financial estimateRevenue estimate
Valuation estimate
LTC Consumer leadership team
Management profileNumber of profiles
Profiles1 record
LTC Consumer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LTC Consumer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LTC Consumer
What does LTC Consumer do?
LTC Consumer is a long-term care insurance brokerage that aggregates quotes from multiple carriers in a single place, helping consumers compare LTCI policies, pricing, and coverage features. Licensed LTC specialists provide personalized consultations, policy recommendations, and claims support to individual consumers planning for retirement and potential long-term care needs. The offering is supported by a large library of free educational content (blog, video gallery, webinars, guides, and a Cost of Care Map).
Is LTC Consumer a public or private company?
LTC Consumer is a private company. It is classified as corporate owned and is currently operating.
When was LTC Consumer founded?
LTC Consumer was founded in 2014. It employs 11 to 50 people.
Where is LTC Consumer based?
LTC Consumer is headquartered in Vancouver, United States, in the North America region.
How does LTC Consumer make money?
One revenue line is on record: insurance Commission Revenue.
Who are LTC Consumer's main competitors?
Direct peers on record are LTC Tree, LTC Shop and Bankers Life. Broad incumbents are Genworth Financial, Mutual of Omaha, OneAmerica, New York Life, Nationwide and Lincoln Financial Group. SelectQuote is listed as an emerging player.
Does LTC Consumer have an API?
No public API is recorded for LTC Consumer.
What industry is LTC Consumer in?
LTC Consumer's product category is Long-Term Care Insurance Brokerage. Its primary akta.pro industry code is FSAIAJAA, Traditional Long-Term Care (LTC) Insurance. Its NAICS code is 524 and its SIC code is 6411.