Long Term Care Insurance Advisors

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

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

• Long-term care insurance
• Hybrid life insurance
• Medicare supplements
• Insurance brokerage services
• Retirement planning

Headquarters

HQ city

Eden Prairie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers13 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• Lincoln Financial GroupcoreChannel Partner/ Reseller/ DistributorOne 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.
• NationwidecoreChannel Partner/ Reseller/ DistributorOne of the major insurance carriers represented for long-term care and hybrid insurance products.
• OneAmericacoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for long-term care and hybrid insurance products.
• SecuriancoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for long-term care and hybrid insurance products.
• Pacific LifecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for long-term care and hybrid insurance products.
• Blue Cross and Blue Shield of MinnesotacoreChannel Partner/ Reseller/ DistributorLong 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.
• HealthPartnersminorChannel Partner/ Reseller/ DistributorHealthPartners 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 CompanycoreChannel Partner/ Reseller/ DistributorOne 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 FinancialcoreChannel Partner/ Reseller/ DistributorInsurance carrier referenced in client testimonials. Clients James and JoAnn are satisfied Genworth policyholders.
• Midland National Life Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier referenced in client testimonials. Client Larry W. had a Midland National LTC policy issue that Brian Emswiler resolved within an hour.
• American Diabetes AssociationminorStrategic or Co-development PartnerBrian 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 CareminorImplementation/ SI/ Consulting PartnerLocal 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 CommerceminorStrategic or Co-development PartnerBrian 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

Broad 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

• Xtwitter.com/Brian_Emswiler
• Facebookfacebook.com/ltcadv
• LinkedInlinkedin.com/company/longtermcareinsuranceadvisors
• Instagraminstagram.com/longtermcareadv

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Long Term Care Insurance Advisors