Long Term Care Insurance Advisors
- Company typePrivate
- Founded1994
- HeadquartersEden Prairie, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
Long Term Care Insurance Advisors firmographics
Firmographics- Name
- Long Term Care Insurance Advisors
- Legal name
- Long-Term Care Insurance Advisors, Inc.
- Website
- https://ltcadv.com
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Long Term Care Insurance Advisors industry classification
Industry- Product category
- Long-Term Care Insurance
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB)
- akta.pro secondary industries
- Traditional Long-Term Care (LTC) Insurance (FSAIAJAA), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)
Keywords
Where Long Term Care Insurance Advisors is headquartered
LocationHeadquarters
- HQ city
- Eden Prairie
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Long Term Care Insurance Advisors business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales
Revenue model
- Insurance Commission Revenue: As an independent insurance broker, the company earns commissions from insurance carriers for placing client coverage. No additional cost to clients — compensation comes from the carrier. Also offers Medicare, life insurance, and annuity products alongside LTC insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Hybrid Long-Term Care Plans — Annual Premium Option |
| One time/ perpetual license | Pay-as-you-go | Hybrid Long-Term Care Plans — Single Premium Option |
| Subscription | Annual | Traditional Long-Term Care Insurance |
| One time/ perpetual license | Pay-as-you-go | LTC Annuities |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Long Term Care Insurance Advisors product offering
Product offeringCore offering
Long Term Care Insurance Advisors is an independent insurance brokerage that compares, designs, and places long-term care insurance coverage from multiple top-rated carriers. It offers traditional LTC policies, hybrid life/LTC policies, and LTC annuities, alongside Medicare Supplements, Medicare Advantage, Medicare Cost Plans, Part D prescription drug plans, and life insurance products (Term, IUL, Whole, Universal). Compensation is earned via carrier-paid commissions, with no additional cost to clients.
Product overview
Long Term Care Insurance Advisors is an independent insurance brokerage offering a comprehensive portfolio of insurance and financial planning products. The core offerings center on long-term care solutions including traditional LTC insurance, hybrid life/LTC policies, and LTC annuities. The firm also provides Medicare coverage options (Supplements/Medigap, Medicare Advantage, Cost Plans, and Part D) and various life insurance products (Term, Indexed Universal Life, Whole Life, and Universal Life). Additional services include business/executive LTC planning and 1035 Exchange assistance for policyholders seeking to upgrade existing coverage. As an independent broker, the firm compares plans across multiple carriers (Lincoln, Nationwide, OneAmerica, Securian, Pacific Life, and others) to match client needs with appropriate coverage. The company also offers a concierge claims service to guide families through the insurance claim process.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Hybrid plans may pay 2–4 times what clients put in for long-term care benefits
- +3 more outcomes
Companies that use Long Term Care Insurance Advisors
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles3 records
Long Term Care Insurance Advisors technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Long Term Care Insurance Advisors partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Lincoln Financial GroupcoreOne of the top-rated insurance carriers represented by the company for long-term care and hybrid insurance products. The company compares plans across Lincoln and other major carriers to recommend the best fit for clients.
- NationwidecoreOne of the major insurance carriers represented for long-term care and hybrid insurance products.
- OneAmericacoreMajor insurance carrier represented for long-term care and hybrid insurance products.
- SecuriancoreMajor insurance carrier represented for long-term care and hybrid insurance products.
- Pacific LifecoreMajor insurance carrier represented for long-term care and hybrid insurance products.
- Blue Cross and Blue Shield of MinnesotacoreLong Term Care Insurance Advisors is an authorized independent agency for Blue Cross and Blue Shield of Minnesota, an independent licensee of the Blue Cross and Blue Shield Association.
- HealthPartnersminorHealthPartners has a booth at the NAIFA Convention. HealthPartners representative Sara W. noted Brian Emswiler as a great broker for HealthPartners for many years.
- Allianz Life Insurance CompanycoreOne of the insurance carriers whose LTC policies the company services. A real client case study details an Allianz LTC policy (purchased in 2000, fully paid off) paying benefits for a stroke victim — approximately $15,000/month in reimbursement benefits.
- Genworth FinancialcoreInsurance carrier referenced in client testimonials. Clients James and JoAnn are satisfied Genworth policyholders.
- Midland National Life Insurance CompanycoreInsurance carrier referenced in client testimonials. Client Larry W. had a Midland National LTC policy issue that Brian Emswiler resolved within an hour.
- American Diabetes AssociationminorBrian and Long Term Care Insurance Advisors proudly support the American Diabetes Association and its mission to improve lives of individuals and families affected by diabetes. Through ongoing contributions and community involvement, raising awareness about diabetes impact on long-term health and financial planning.
- Armatage Home CareminorLocal home care agency recommended by Brian Emswiler to a client (Mary) whose husband suffered a stroke. Owner Matt Bandstra. Agency has worked well for other clients of the company.
- Eden Prairie Chamber of CommerceminorBrian Emswiler has served as a guest speaker for the Eden Prairie Chamber of Commerce, sharing insights on aging, retirement planning, and protecting family assets.
Scale indicators6 records
Recent moves7 records
Expansion highlights4 records
Long Term Care Insurance Advisors competitors and assessment
Company assessmentBroad incumbents
- Lincoln Financial Group: Major carrier offering hybrid life/LTC and MoneyGuard products through independent producers. Comparable as both a represented carrier and a competing channel for the same retirement-planning customers.
- New York Life: Mutual insurer offering permanent life, LTC, and retirement income products through its captive agent force. Comparable because it serves the same retirement and longevity-planning customer with overlapping product categories.
- Northwestern Mutual: Large insurance and wealth management firm whose advisors sell LTC, life, and retirement products to a comparable affluent planning-oriented client base. Competes for the same retirement-protection wallet with a captive advisor model.
- Mutual of Omaha: Major LTC insurance carrier offering both traditional and hybrid LTC products through its own agent network and independent producers. Comparable because it is one of the carriers the subject firm may quote against, and represents the captive distribution alternative.
- Genworth Financial: One of the largest LTC insurance carriers in the U.S., referenced explicitly in the subject firm's client testimonials. Comparable as a major underwriter of LTC policies that competes for the same end consumer via its own distribution.
- Securian Financial: Insurance and financial services company with LTC and hybrid life products distributed through independent advisors. Comparable as a represented partner carrier that also competes for the same planning-oriented client segment.
- OneAmerica: Specialty carrier with strong hybrid life/LTC and asset-based LTC offerings, currently a core partner of the subject firm. Comparable because it competes in the same hybrid-LTC category and also serves retirement-age consumers through independent producers.
- Nationwide: Top-rated LTC and hybrid life carrier represented by the subject firm. Comparable as both a carrier partner and a competitor selling LTC-adjacent protection products directly to consumers.
Direct peers
- LTC Tree: Independent online brokerage specializing in long-term care insurance across multiple carriers. Directly comparable as a multi-carrier LTC-focused shop competing for the same nationwide consumer audience.
Regional players
- Blue Cross and Blue Shield of Minnesota: Regional Blue Cross plan for which the subject firm is an authorized independent agency for Medicare products. Comparable as a partner and adjacent competitor in Medicare Supplement, Advantage, and Cost plans within the same Minnesota footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Long Term Care Insurance Advisors social profiles
Digital presenceLong Term Care Insurance Advisors financial estimates
Financial estimateRevenue estimate
Valuation estimate
Long Term Care Insurance Advisors leadership team
Management profileNumber of profiles
Profiles2 records
Long Term Care Insurance Advisors funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Long Term Care Insurance Advisors 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 Long Term Care Insurance Advisors
What does Long Term Care Insurance Advisors do?
Long Term Care Insurance Advisors is an independent insurance brokerage that compares, designs, and places long-term care insurance coverage from multiple top-rated carriers. It offers traditional LTC policies, hybrid life/LTC policies, and LTC annuities, alongside Medicare Supplements, Medicare Advantage, Medicare Cost Plans, Part D prescription drug plans, and life insurance products (Term, IUL, Whole, Universal). Compensation is earned via carrier-paid commissions, with no additional cost to clients.
Is Long Term Care Insurance Advisors a public or private company?
Long Term Care Insurance Advisors is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Long Term Care Insurance Advisors founded?
Long Term Care Insurance Advisors was founded in 1994. It employs 1 to 10 people.
Where is Long Term Care Insurance Advisors based?
Long Term Care Insurance Advisors is headquartered in Eden Prairie, United States, in the North America region.
How does Long Term Care Insurance Advisors make money?
One revenue line is on record: insurance Commission Revenue.
Who are Long Term Care Insurance Advisors's main competitors?
Broad incumbents on record are Lincoln Financial Group, New York Life, Northwestern Mutual, Mutual of Omaha, Genworth Financial, Securian Financial, OneAmerica and Nationwide. LTC Tree is listed as a direct peer. Blue Cross and Blue Shield of Minnesota is listed as a regional player.
Does Long Term Care Insurance Advisors have an API?
No public API is recorded for Long Term Care Insurance Advisors.
What industry is Long Term Care Insurance Advisors in?
Long Term Care Insurance Advisors's product category is Long-Term Care Insurance. Its primary akta.pro industry code is FSAIAJAB, Hybrid Life + LTC (Linked-Benefit) Insurance, with a secondary code of FSAIAJAA, Traditional Long-Term Care (LTC) Insurance. Its NAICS code is 52421 and its SIC code is 6411.