Long-term Care Consultants, Inc.

What Long-term Care Consultants, Inc. does

Long-term Care Consultants, Inc. (LTCCINC, also doing business as LTCC, Inc.) is a privately held, Virginia-based advisory firm specializing in long-term care (LTC) planning for adult informal caregivers of aging loved ones. The firm is led by founder and President Linda Tsironis Caruthers, a Long-Term Care Professional (LTCP) with decades of specialized experience, supported by a small named team that includes an LTC Advisor, an LTC Claims Specialist, a Director of Communications, a Physician Consultant, and a Care Options Consultant.

The firm operates a consultative sales model offering a free 30-minute initial consultation followed by customized LTC plans that may include insurance placement, claims filing assistance, policy interpretation, caregiver resources, assisted living and hospice referrals, and retainer-based ongoing advising. Its primary customer segment is the individual adult caregiver; a secondary segment comprises professional advisors (financial advisors, physicians, accountants, attorneys, HR directors, insurance professionals) who receive one-on-one consulting and training and refer clients into the practice. The business is largely a service-based, human-advisory practice with no underlying software or technology platform.

Revenue is generated primarily through commissions paid by insurance carriers when clients purchase LTC insurance products through LTCCINC — analogous to a home-and-auto agency model — with supplementary income from occasional hourly fees for policy reviews and consulting engagements. Distribution is by direct client consultation (phone, virtual, and in-person within Virginia) and through the professional referral network. The firm holds a BBB A+ accreditation and a Ramsey Pro distinction, partners with Senior Care Authority and Rockwell Physicians of Salisbury PLLC, and operates the Pink Chair Project RVA community initiative. From a single Virginia office, LTCCINC serves clients in all 50 U.S. states; the firm has no disclosed funding rounds, parent company, or institutional investors.

Name

Long-term Care Consultants, Inc.

Legal name

Long Term Care Consultants, Inc.

Website

https://ltccinc.com

Company type

Private

Operating status

Operating

Short description

Long-term Care Consultants, Inc. is a Virginia-based long-term care insurance and consulting firm serving adult caregivers of aging loved ones nationwide. It provides customized LTC planning, insurance brokerage, claims assistance, and caregiver resources via consultative sales, primarily funded by insurance carrier commissions.

Ownership category

akta.pro rank

Product category

Long-Term Care Insurance Advisory

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro industry

PRIMARYFSAIAJAA

Traditional Long-Term Care (LTC) Insurance

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

SECONDARYFSAIAJAB

Hybrid Life + LTC (Linked-Benefit) Insurance

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

SECONDARYFSAIAJAC

Annuity + LTC / Long-Term Care Riders

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

Keywords

• Long-term care insurance
• Long-term care planning
• Caregiver consulting
• LTC insurance advisory
• Insurance claims assistance

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: The company is paid commissions by insurance companies when clients purchase products through them, similar to home and auto insurance agents. This represents the vast majority of their work and is provided at no cost to clients.
2. Consulting Fees: Occasional hourly fees for review and consultation on existing policies and other infrequent consultative services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

LTCCINC provides personalized long-term care planning consulting and long-term care insurance brokerage services to individuals, families, and professional advisors across the United States. Its core offering encompasses LTC insurance placement, claims filing assistance, policy interpretation, and caregiver resource referrals, delivered through a consultative sales process that begins with a free 30-minute consultation and progresses to custom-designed plans based on each client's health, financial, and personal circumstances.

Product overview

Long-term Care Consultants, Inc. (LTCCINC) offers a unified consulting service centered on long-term care planning and insurance advisory. The core offering is personalized LTC planning consultations, which encompass policy review, claims assistance, and caregiver resources. Additional services include professional training for advisors and speaking engagements. The company operates as a service-based practice rather than a software platform, providing human expertise and ongoing advisory support to clients nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Pink Chair Project RVA: A nonprofit initiative founded by Linda Caruthers, a breast cancer survivor, providing recovery remote-controlled recliners to post-mastectomy patients in the greater Richmond area.

Products and services

• Long-Term Care Insurance and Planning Services Comprehensive consulting and brokerage services that help individuals and families understand long-term care insurance products, design customized LTC plans, and place policies based on health, financial, and personal circumstances. Covers long-term care insurance and alternative funding options.
• Long-Term Care Policy Interpretation and Claims Assistance
• Caregiver Support and Care Resource Referrals
• Professional Training and One-on-One LTC Consulting
• Speaker Services

Quantifiable outcome

• Clients report relief, protected loved ones' well-being, and preserved family relationships

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• The HawthorneminorStrategic or Co-development PartnerLTCCINC sponsors the Pink Chair Project RVA in partnership with The Hawthorne, which hosts the annual impact report for the initiative providing electric remote-controlled chairs to post-mastectomy breast cancer patients.
• Rockwell Physicians of Salisbury PLLCminorStrategic or Co-development PartnerDr. Michael Perini serves as Physician Consultant to LTCCINC, providing medical expertise for long-term care planning and client assessments.
• Senior Care AuthorityminorStrategic or Co-development PartnerLisa Isbell serves as Care Options Consultant representing Senior Care Authority, providing specialized care options guidance for LTCCINC clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Genworth Financial: One of the largest LTC insurance carriers in the U.S. (now operated by its Enact/CareScout successor entities); comparable as a major counterparty in the LTC insurance market where LTCCINC places business.
• Northwestern Mutual: Large life insurer with hybrid life+LTC solutions and a national advisor force; comparable as a broad incumbent that competes for LTC planning conversations with high-net-worth clients.
• Mutual of Omaha: Major LTC insurance carrier offering traditional and asset-based LTC products through independent agents and brokerages; comparable as a key carrier partner that LTCCINC agents sell through.
• New York Life: Large life insurance carrier with hybrid life+LTC and traditional LTC products distributed through independent agents; comparable as a carrier-side incumbent whose LTC products LTCCINC places for clients.

Direct peers

• Long-Term Care Insurance Quotes (LTCQ): Online long-term care insurance brokerage comparing policies from multiple carriers for consumers; comparable as a multi-carrier LTC agency competing for the same nationwide customer base.
• LTC Tree: Independent long-term care insurance brokerage specializing exclusively in LTC planning and policy placement for individuals and families nationwide; directly comparable as a specialist LTC agency with multi-carrier access.
• LTCC (Long Term Care Consultants, Inc.) — direct self-reference: N/A — subject company itself; included for completeness only.
• CLTC (Corporate LTC, part of Leimberg & LeClair): LTC-focused insurance brokerage and education resource serving financial advisors and consumers with policy placement, rate-shopping, and LTC planning tools; directly comparable as a specialist LTC distribution platform.

Emerging players

• Policygenius: Digital-first insurance brokerage offering term life, disability, and LTC quotes online; comparable as an emerging digital distribution channel that could disintermediate traditional consultative LTC advisors.
• Senior Care Authority: Senior care advisory and placement franchise providing care options consulting, eldercare referrals, and LTC planning support; comparable as a partner-adjacent service provider whose care-options arm (Lisa Isbell) already interfaces with LTCCINC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ltccinc
• Facebookfacebook.com/ltccinc
• Instagraminstagram.com/ltccinc
• LinkedInlinkedin.com/company/long-term-care-consultants-inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Consultants, Inc.