ACSIA Partners
ACSIA Partners is the largest independent U.S. long-term care insurance brokerage, placing policies from 25+ top-rated carriers for individual consumers, employers, benefit brokers, and association members nationwide, supplemented by its proprietary YourCare360 caregiving platform.
- Company typePrivate
- Founded1972
- HeadquartersWoodinville, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What ACSIA Partners does
ACSIA Partners, founded in 1972 and headquartered in Woodinville, Washington, is a privately-held independent long-term care (LTC) insurance brokerage operating as a subsidiary of LTC Global, Inc. The company positions itself as the largest independent LTC insurance brokerage in the United States, representing over 25 top-rated insurance carriers and employing a nationwide network of hundreds of state-licensed LTC specialists. Its customer base spans individual consumers aged 50 and above seeking retirement and asset protection, employers and benefit brokers installing group LTC benefits, association members, and business owners seeking tax-advantaged care coverage. The firm distributes through agent-assisted field sales, direct-to-consumer digital channels (website quote forms, phone, and a free LTC Guidebook), worksite and association channels, and broker partnerships serving companies ranging from 10 to over 150,000 employees. CEO Denise Gott and Director of Business Development Mario Sestito lead business development and carrier relationships, with the firm holding a BBB A+ accreditation and California license #0I72696.
The company's core product suite includes traditional LTC insurance, hybrid life/LTC policies, Partnership Plans that preserve Medicaid eligibility, worksite voluntary LTC plans, and critical illness insurance sourced from carriers such as John Hancock, Lincoln Financial, Mutual of Omaha, New York Life, MetLife, Chubb, and others. ACSIA equalizes commissions across carriers so that agents are compensated identically regardless of policy chosen, reinforcing its positioning as an unbiased brokerage. In 2021, the company launched YourCare360, a proprietary caregiving resource platform marketed as a dual-approach solution supporting current caregivers while helping others prepare for their own future care needs, and as a workplace strategy differentiator for employer clients. The Long-Term Care Outreach and Education Program® (LTCOEP) offers a turn-key employer education and enrollment package, while a free Genworth-powered Cost-of-Care Calculator supports consumer-facing lead generation.
The business model is transaction-fee based, earning insurance commissions from carriers on policies placed. Premiums vary by age, health, coverage amount, benefit period, and optional riders, with a ballpark of $2,000-$3,000 per year for a 55-year-old. Marketing is multi-channel, including a content-driven website and LTC news blog, Facebook, LinkedIn, YouTube, email/newsletter, PR/earned media, and the free LTC Guidebook funnel. ACSIA is a co-founder and sponsor of the '3in4 Need More' public education campaign and supports the Alzheimer's Association through annual fundraising events. No external venture capital or private equity investment has been disclosed; the firm has been self-funded through operations since inception.
ACSIA Partners firmographics
Firmographics- Name
- ACSIA Partners
- Legal name
- ACSIA Partners LLC
- Website
- https://acsia.com
- Company type
- Private
- Founded year
- 1972
- Operating status
- Operating
- Short description
- ACSIA Partners is the largest independent U.S. long-term care insurance brokerage, placing policies from 25+ top-rated carriers for individual consumers, employers, benefit brokers, and association members nationwide, supplemented by its proprietary YourCare360 caregiving platform.
- Ownership category
- akta.pro rank
ACSIA Partners industry classification
Industry- Product category
- Long-Term Care Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Benefits, Insurance & Long-Term Care Planning Navigation (Medicare/Medicaid/LTC) (HLADALAI)
- akta.pro secondary industries
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where ACSIA Partners is headquartered
LocationHeadquarters
- HQ city
- Woodinville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ACSIA Partners business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: ACSIA Partners earns commissions from insurance carriers for policies sold. The company represents over 25 top-rated LTC insurance carriers and receives commission income from the sale of long-term care insurance policies. They equalize commissions so agents receive the same commission rate regardless of policy purchased.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individual LTC Insurance - Age-based pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
ACSIA Partners product offering
Product offeringCore offering
ACSIA Partners is the largest independent long-term care insurance brokerage in the United States, representing 25+ top-rated LTC insurance carriers and providing complimentary, objective quote comparisons. Specialized consultants guide clients through plan design, application, underwriting, policy delivery, and ongoing support across consumer, association, business, and benefit broker channels. The core brokerage offering is complemented by YourCare360, a proprietary caregiving resource, and the Long-Term Care Outreach and Education Program (LTCOEP) for employer groups.
Product overview
ACSIA Partners operates as a long-term care insurance brokerage platform, representing the largest independent LTC insurance brokerage in the United States with over 50 years of experience. The company offers a portfolio of LTC planning products including traditional long-term care insurance, hybrid policies (life insurance with LTC riders), Partnership Plans, worksite LTC plans, and critical illness insurance—all sourced from 25+ top-rated insurance carriers. The platform's core offering is complemented by YourCare360, a proprietary dual-approach caregiving resource, and the Long-Term Care Outreach and Education Program® (LTCOEP) for employer groups. A free Cost-of-Care Calculator is also provided for consumer education.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Higher approval rates for clients compared to other agents and financial advisory services with limited LTC options
Companies that use ACSIA Partners
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
ACSIA Partners technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
ACSIA Partners partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- YourCare360coreProprietary caregiving resource developed by ACSIA Partners that delivers permanent caregiving solutions. It supports those caring for others today and helps them prepare for their own future care needs. Marketed as a dual-approach solution for workplace strategy and competitive differentiation.
- Long-Term Care Insurance Carriers (25+)coreACSIA Partners represents all major LTC insurance carriers including LifeSecure, Equitrust, Global Atlantic, Nationwide, One America, Brighthouse Financial, John Hancock, Lincoln Financial, Thrivent, Securian Financial, Mutual of Omaha, Manhattan Life, Guarantee Trust Life, Aetna Continental Life, New York Life, NGL, Transamerica, MetLife, Chubb, Care Scout, The Standard, Trustmark, Wellabe. As an independent brokerage, they place business with these carriers and earn commissions.
- 3in4 Need More CampaignminorACSIA Partners is a co-founder and sponsor of the '3in4 Need More' campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.
- Alzheimer's AssociationminorACSIA Partners supports the Alzheimer's Association through fundraising events at annual conferences. Raised $15,220 in 2017 for the Alzheimer's Association to support research and services combating Alzheimer's disease and other dementias.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
ACSIA Partners competitors and assessment
Company assessmentBroad incumbents
- MassMutual: MassMutual is a large insurance and financial services carrier offering long-term care solutions through its captive agent force and wealth management channels, competing for the same financial planning buyer.
- Lincoln Financial Group: Lincoln Financial is an LTC insurance carrier (and named ACSIA distribution partner) with its own group benefits and individual LTC distribution channels that compete for the same employer and consumer buyers.
- New York Life: New York Life is a major LTC carrier with a large captive agent network that sells LTC products alongside life insurance, competing directly with ACSIA for the same affluent retirement-age consumer.
- Northwestern Mutual: Northwestern Mutual is a large insurance and wealth advisory firm that integrates LTC solutions with broader financial planning, competing for the same holistic retirement planning buyer.
- Genworth Financial: Genworth is the largest standalone long-term care insurance carrier in the United States and operates its own agent and digital distribution channels, making it both a key ACSIA carrier partner and a broad incumbent competitor for the same end consumers.
- Mutual of Omaha: Mutual of Omaha is a major LTC insurance carrier with a significant in-house agency distribution force, both an ACSIA carrier partner and a broad incumbent selling direct against the brokerage channel.
- John Hancock: John Hancock is a major LTC insurance carrier (and named ACSIA partner) that distributes LTC through captive agents, financial advisors, and digital channels, competing for the same retirement and wealth planning demographic.
Direct peers
- LTC Tree: LTC Tree is an online long-term care insurance brokerage and comparison platform serving consumers shopping for LTC coverage from multiple carriers, directly comparable to ACSIA's core consumer brokerage function.
- Senior Market Sales: Senior Market Sales is a large independent insurance FMO (Field Marketing Organization) specializing in senior market insurance products including long-term care, Medicare, and final expense, with a comparable multi-carrier panel and agent-driven distribution model.
Others
- HUB International: HUB International is one of the largest North American commercial insurance brokerages with a benefits practice that includes long-term care insurance advisory and worksite distribution, an adjacent player that competes for the same employer benefits channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ACSIA Partners social profiles
Digital presenceACSIA Partners compliance and trust
Trust signalCompliance2 records
ACSIA Partners financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACSIA Partners leadership team
Management profileNumber of profiles
Profiles2 records
ACSIA Partners funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACSIA Partners 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 ACSIA Partners
What does ACSIA Partners do?
ACSIA Partners is the largest independent long-term care insurance brokerage in the United States, representing 25+ top-rated LTC insurance carriers and providing complimentary, objective quote comparisons. Specialized consultants guide clients through plan design, application, underwriting, policy delivery, and ongoing support across consumer, association, business, and benefit broker channels. The core brokerage offering is complemented by YourCare360, a proprietary caregiving resource, and the Long-Term Care Outreach and Education Program (LTCOEP) for employer groups.
Is ACSIA Partners a public or private company?
ACSIA Partners is a private company. It is classified as corporate owned and is currently operating.
When was ACSIA Partners founded?
ACSIA Partners was founded in 1972.
Where is ACSIA Partners based?
ACSIA Partners is headquartered in Woodinville, United States, in the North America region.
How does ACSIA Partners make money?
One revenue line is on record: insurance Commissions.
Who are ACSIA Partners's main competitors?
Broad incumbents on record are MassMutual, Lincoln Financial Group, New York Life, Northwestern Mutual, Genworth Financial, Mutual of Omaha and John Hancock. Direct peers are LTC Tree and Senior Market Sales. HUB International is listed as an others.
Does ACSIA Partners have an API?
No public API is recorded for ACSIA Partners.
What industry is ACSIA Partners in?
ACSIA Partners's product category is Long-Term Care Insurance Brokerage. Its primary akta.pro industry code is HLADALAI, Benefits, Insurance & Long-Term Care Planning Navigation (Medicare/Medicaid/LTC), with a secondary code of FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators). Its NAICS code is 524210 and its SIC code is 6411.