Long term care insurance provides financial solutions for extended healthcare needs, accommodating an aging population's demand for security. Companies in this sector range from large established firms to small agencies, all focused on offering products like traditional long-term care policies, hybrid plans, and life insurance with long-term benefits. Recently, trends show growth in hybrid products as consumers prefer flexibility and accessibility in care options. With ongoing advancements in healthcare and insurance technology, the industry is evolving, emphasizing customer education to navigate complex policies and improve affordability while providing assurance for future healthcare needs.


The companies featured here vary in size, from small agencies to larger brokers, with headquarters across California. Many were founded decades ago, reflecting a long-standing commitment to the insurance sector. These firms specialize in long-term care insurance, focusing on creating tailored solutions for individuals, families, and businesses. Their products include traditional policies and hybrid insurance options, with some companies founded as early as the 1950s, showcasing a wealth of experience in the field. The growing complexity of healthcare needs in an aging demographic continues to shape their offerings.


Continue reading to learn about California's top long term care insurance companies.


Top 22 Long Term Care Insurance Companies in California


1. LifeCare Assurance Company


LifeCare Assurance Company, based in Los Angeles, California, is a private insurance provider that specializes in long term care insurance products. Established in 1988, the company has developed a reputation for creating, launching, and managing comprehensive insurance solutions tailored for businesses, particularly those in the Fortune 500 category. LifeCare's services include underwriting, claims management, and regulatory compliance, which are critical in navigating the complexities of the long term care insurance market. Over the years, LifeCare has successfully implemented programs that have benefited over 300,000 individuals, showcasing their impact in the industry. Their innovative product features have set standards within the sector, and their commitment to thorough underwriting practices has resulted in a strong track record of claims performance. LifeCare's model allows clients to introduce long term care products without incurring financial risks, aligning their interests with those of their partners. This strategic approach has positioned LifeCare as a notable entity in the long term care insurance space.


2. Ltcr

  • Website: ltcr.com
  • Ownership type: Private
  • Headquarters: Los Angeles, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1998
  • Headcount: 11-50
  • LinkedIn: ltcr

Long-Term Care Resources (Ltcr) is an insurance agency based in Los Angeles, California, established in 1998. The company specializes in long-term care insurance, providing tailored products and services to members of various affinity groups. Ltcr collaborates with over 650 organizations, including professional associations and alumni groups, to offer discounted rates and comprehensive support for long-term care planning. They represent multiple top carriers in the industry, allowing clients to compare plans and find the best value. With a focus on customer service, Ltcr has helped nearly 700,000 members navigate their long-term care needs, ensuring they have access to the necessary coverage and support throughout the life of their policies.


3. California Long Term Care Insurance Services


California Long Term Care Insurance Services, Inc. is a private company based in Burlingame, California, specializing in long-term care insurance and related financial products. Established in 1996, the firm serves both individuals and businesses, aiming to provide financial protection against the escalating costs associated with long-term care. The company offers a range of services, including free consultations and quotes, to assist clients in making informed decisions about their insurance needs. They represent several prominent insurers, such as Mutual of Omaha and Nationwide, which enhances their credibility in the market. Additionally, California Long Term Care Insurance Services emphasizes education through their Learning Center and resources, helping clients understand the complexities of long-term care planning. Their focus on innovative solutions beyond traditional long-term care insurance further demonstrates their commitment to meeting the evolving needs of their clients.


4. Collins and Associates

  • Website: insuranceexperts.com
  • Ownership type: Private
  • Headquarters: San Diego, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: collins-and-associates

Collins and Associates, now known as Insurance Experts Solutions, is an insurance brokerage based in San Diego, California. Founded in 1973 by Michael G. Collins, the company has over 50 years of experience in the insurance sector. It specializes in various insurance products, including life, health, disability, and notably, long-term care insurance. The firm serves both individual consumers and businesses, aiming to provide affordable coverage that protects against financial risks associated with health and life events. Under the leadership of Jason P. Veirs, the company has maintained a commitment to partnering with top-rated insurance carriers, ensuring clients receive competitive policies. Their focus on long-term care insurance is particularly relevant, as they offer both traditional and hybrid policies designed to help clients manage the costs associated with long-term care needs. This specialization positions them as a knowledgeable player in the long-term care insurance market.


5. CPS Insurance Services

  • Website: cpsinsurance.com
  • Ownership type: Private
  • Headquarters: Irvine, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 51-200
  • LinkedIn: cps-insurance-services

CPS Insurance Services, Inc., based in Irvine, California, is a private insurance agency that has been serving clients since 1974. The company specializes in a range of financial services, prominently featuring long-term care insurance among its offerings. With a workforce of approximately 75 employees, CPS Insurance Services caters to both individual consumers and businesses, helping them navigate the complexities of risk management and financial planning. Their website highlights a commitment to providing valuable resources for financial professionals, including insights on long-term care insurance sales strategies and market trends. This focus on education and support underscores their role in the long-term care insurance industry, making them a relevant entity for clients seeking comprehensive coverage options.


6. FFL Insurance Agency, LLC

  • Website: fflinsuranceagency.com
  • Ownership type: Private
  • Headquarters: Carlsbad, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 1-10
  • LinkedIn: fflinsuranceagency

FFL Insurance Agency, LLC, based in Carlsbad, California, has been operational since 2006. This privately owned agency focuses on providing a range of insurance services, including health, life, long-term care, and disability insurance. With a small team of dedicated professionals, FFL Insurance Agency aims to serve individuals, families, and businesses by helping them navigate the complexities of insurance coverage. They pride themselves on offering personalized service, ensuring that clients receive tailored solutions that meet their specific needs. The agency's approach includes ongoing support and regular reviews of clients' insurance needs, which is particularly important in the long-term care sector where circumstances can change over time. FFL Insurance Agency represents multiple insurance providers, allowing them to find the best options for their clients. Their commitment to education and advocacy for clients further enhances their role in the insurance industry.


7. Sequoia Innovations Life & Retirement

  • Website: sequoiainnovations.com
  • Ownership type: Private
  • Headquarters: Glendale, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: sequoia-innovations

Sequoia Innovations Life & Retirement, based in Glendale, California, is a private insurance agency founded in 2009. The company specializes in life insurance products that include living benefits, retirement planning, and financial protection services. With a team that boasts over 50 years of combined experience in the insurance industry, Sequoia Innovations aims to help individuals and families secure their financial futures against unexpected medical expenses and critical illnesses. Their offerings include life insurance, retirement planning, final expense coverage, college planning, mortgage protection, and notably, long-term and chronic illness protection. This broad spectrum of services positions them as a resource for clients looking to enhance their financial stability and peace of mind. Sequoia Innovations emphasizes the importance of living benefits, which allow clients to access their life insurance death benefits while still alive, particularly in the face of serious health challenges. This innovative approach to insurance is designed to bridge the gap in traditional coverage, providing clients with more options during critical times.


8. Westland Financial Services Inc

  • Website: westlandinc.com
  • Ownership type: Private
  • Headquarters: San Diego, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 1-10
  • LinkedIn: westland-financial-services

Westland Financial Services Inc, founded in 1974 and based in San Diego, California, operates as a private insurance agency. With a small team of around 25 employees, the company specializes in a variety of financial products, prominently featuring long-term care insurance. Their product range includes traditional long-term care, asset-based long-term care, and hybrid options that combine life insurance with long-term care benefits. Westland serves financial professionals, providing them with essential tools and resources to effectively navigate the insurance market. Their focus on long-term care insurance reflects a strategic commitment to addressing the needs of clients seeking financial security in later life. The company has established partnerships with top-tier carriers, ensuring a robust selection of products for their clients. Westland's mission emphasizes the importance of insurance in financial planning, highlighting their role in helping families maintain dignity and financial stability during critical times.


9. The Lynn Company

  • Website: lynncompany.com
  • Ownership type: Private
  • Headquarters: Bakersfield, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1955
  • Headcount: 11-50
  • LinkedIn: the-lynn-company

The Lynn Company, based in Bakersfield, California, has been a staple in the insurance industry since its founding in 1955. This private agency specializes in a wide array of insurance products, including health, life, dental, and notably, long-term care insurance. They cater to both individual clients and businesses, providing tailored consulting services to help navigate the often complex world of insurance options and regulatory compliance. The company prides itself on being a resource for clients in the San Joaquin Valley, offering insights and advice on various coverage types, including Medicare supplements and employee benefits. Their commitment to customer service and their extensive experience in the field position them as a knowledgeable player in the long-term care insurance market.


10. Vantage Insurance Solutions


Vantage Insurance Solutions, also known as Vantage Insurance & Wealth Strategies, is a family-owned insurance brokerage based in Redlands, California. Founded in 2018, the company specializes in a variety of financial products, including life insurance, disability insurance, and long-term care insurance. Their mission is to provide tailored financial solutions that help clients achieve financial security and effective asset management. Vantage serves a broad clientele, including businesses, nonprofits, families, and retirees, emphasizing education and strategic planning in their approach. The firm operates with a team-based model, bringing together experts from various financial and legal fields to create customized solutions for their clients. Their commitment to long-term care insurance reflects an understanding of the growing need for such products in an aging population, positioning them as a relevant player in this market.


11. Trusted American Insurance Agency

  • Website: taia.us
  • Ownership type: Private
  • Headquarters: Roseville, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2014
  • Headcount: 1001-5000
  • LinkedIn: trusted-american-insurance-agency

Trusted American Insurance Agency (TAIA), founded in 2014 and based in Roseville, California, is a private insurance agency that provides a wide array of insurance products and services. The company caters to individuals, families, and businesses, helping them navigate the complexities of insurance options. TAIA specializes in Medicare insurance, which is particularly relevant for seniors who may require long-term care. They work with over 100 carriers to offer various insurance solutions, including long-term care insurance, health insurance, and life insurance. The agency emphasizes personalized service and aims to educate clients about their options, reflecting a commitment to making insurance more accessible and understandable. With a focus on customer satisfaction, TAIA has built a reputation for providing valuable advice and support to its clients, particularly in the Medicare market.


12. LBW Insurance and Financial Services


LBW Insurance and Financial Services, established in 1922, is a family-owned insurance agency based in Santa Clarita, California. With a workforce of around 39 employees, the firm provides a range of insurance products and financial planning services tailored to both businesses and individuals. Their offerings include life, long term care, and disability insurance, alongside financial planning and portfolio management. LBW emphasizes building strong client relationships and delivering proactive service. They are licensed in all 50 states and work exclusively with AM Best A-rated carriers, ensuring a level of reliability in the products they offer. The firm has a notable history and a commitment to understanding clients' unique needs, which positions them as a competent player in the insurance market.


13. TBG West

  • Website: tbgwest.com
  • Ownership type: Private
  • Headquarters: Culver City, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1990
  • Headcount: 11-50
  • LinkedIn: tbg-west

TBG West, founded in 1990 and based in Culver City, California, operates as a private insurance broker with a focus on disability, long-term care, and group life insurance solutions. With a team of 21 employees, TBG West specializes in designing, implementing, and administering insurance plans tailored for partnerships and corporations. Their services include thorough plan analysis, customized enrollment processes, and dedicated claim assistance, ensuring that clients receive the support they need throughout the insurance lifecycle. TBG West's commitment to client service is evident in their proactive approach to managing insurance needs, making them a notable entity in the long-term care insurance sector.


14. Wilshire Group Financial Services


Wilshire Group Financial Services, based in Los Angeles, California, has been providing financial solutions since 1976. The firm specializes in insurance planning and wealth preservation, catering to both individuals and businesses. Their services include estate planning, risk management, and various insurance products, with a notable emphasis on long term care insurance. Wilshire Group operates on a unique model where they do not charge clients directly; instead, they earn compensation through partnerships with insurance providers. This approach allows them to focus on delivering tailored financial plans that address the specific needs of their clients. Their team of dedicated professionals is committed to helping clients navigate the complexities of insurance options, ensuring that each client receives personalized attention and support throughout their financial journey.


15. Chun-Ha Insurance Services, Inc.

  • Website: chunha.com
  • Ownership type: Corporate
  • Headquarters: Garden Grove, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: April 2022
  • Founded year: 1990
  • Headcount: 51-200
  • LinkedIn: chunha

Chun-Ha Insurance Services, Inc. is an insurance agency based in Garden Grove, California, founded in 1990. The company operates as a corporate entity and employs between 51 to 200 individuals. Chun-Ha provides a variety of insurance products, including health, life, auto, and commercial insurance, catering to both individual consumers and businesses. They have multiple locations across California and other states, which supports their operations and client outreach. Notably, they offer long term care insurance among their product suite, indicating their involvement in this segment of the insurance market. However, there is no reported funding activity, suggesting they operate independently without external financial backing.


16. Vantage Insurance & Wealth Strategies


Vantage Insurance & Wealth Strategies, based in Redlands, California, is a family-owned insurance brokerage founded in 2018. The company specializes in a range of financial services, including life insurance, long-term care insurance, and wealth management solutions. Vantage aims to assist businesses, nonprofits, families, and retirees in navigating financial challenges through tailored strategies and educational resources. Their approach emphasizes a team-based model, bringing together experts from various financial and legal sectors to provide comprehensive solutions. Vantage's commitment to client education and personalized service positions them as a relevant player in the long-term care insurance market, addressing the unique needs of their clients as they plan for future healthcare costs.


17. American Legacy Solutions

  • Website: alegacys.com
  • Ownership type: Private
  • Headquarters: Ventura, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2014
  • Headcount: 11-50
  • LinkedIn: american-legacy-solutions

American Legacy Solutions, based in Ventura, California, is a private insurance brokerage founded in 2014. The company specializes in a variety of insurance and financial services, including estate planning, life insurance, and notably, long-term care insurance. With a team of certified specialists, American Legacy Solutions focuses on helping clients navigate the complexities of long-term care planning. They offer multiple strategies, such as asset-based and hybrid planning, to ensure that clients have the coverage that best fits their needs. The firm prides itself on a client-first approach, emphasizing education and personalized service. Their access to over 200 insurance carriers allows them to provide tailored solutions at competitive prices, making them a notable player in the insurance industry.


18. Nevin and Witt Insurance Services


Nevin and Witt Insurance Services is a privately owned insurance agency based in Chico, California, with a history dating back to 1947. The agency provides a wide array of insurance products, including auto, home, life, health, and commercial insurance. They cater to individuals, families, and small businesses, emphasizing personalized service and a comprehensive approach to insurance solutions. The company prides itself on its customer care, boasting a dedicated team of licensed professionals ready to assist clients with their insurance needs. Their involvement in the long term care insurance market is evident, as they offer quotes and information related to this type of coverage. However, the agency's broader focus on various insurance products may dilute their specialization in long term care insurance.


19. Stevens & Associates Insurance Agency, Inc.


Stevens & Associates Insurance Agency, Inc., founded in 1984 and based in Santa Barbara, California, is an insurance agency that specializes in Medicare and individual/family health insurance. With a team of 36 employees, the agency offers a range of services including Medicare supplements, cancer coverage, critical illness, dental, and notably, long term care insurance. Their approach is centered on providing expert advice and personalized support to help clients make informed decisions about their health coverage. The agency has built a reputation for its customer service, as evidenced by numerous testimonials praising their responsiveness and professionalism. They serve clients across all 50 states, indicating a broad reach and commitment to accessibility in health insurance services.


20. Schulte Insurance Agency

  • Website: schulteinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Encinitas, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: schulte-insurance-agency

Schulte Insurance Agency, based in Encinitas, California, has been serving clients since 1975. This family-owned agency specializes in a variety of insurance products, including health, life, Medicare, and notably, long-term care insurance. With a team of 16 employees, they provide personalized support to both individual consumers and businesses, helping them navigate their insurance options. The agency has built a reputation for excellent customer service, as evidenced by numerous positive testimonials from clients who appreciate their responsiveness and community-oriented approach. Schulte Insurance Agency partners with reputable carriers such as Blue Shield of California, Anthem, and UnitedHealthcare, which enhances their credibility in the insurance market. Their long-standing presence in the industry and focus on client relationships position them as a reliable option for those seeking long-term care insurance solutions.


21. Vikas Datta

  • Website: vikasdatta.com
  • Ownership type: Private
  • Headquarters: Corona, California, United States (USA)
  • Employee distribution: United States (USA) 68%, Ireland 6%, South Korea 3%, Other 23%
  • Founded year: 2014
  • Headcount: 1-10
  • LinkedIn: vikaas-dutta-life-wave

Vikas Datta is a licensed insurance agency based in Corona, California, established in 2014. The agency specializes in various insurance products, including life, health, and Medicare insurance, with a notable emphasis on long-term care insurance. They aim to assist individuals in navigating the complexities of insurance options and retirement planning. By providing free quotes and expert advice, Vikas Datta seeks to simplify the insurance selection process for their clients. The agency operates with a small team, primarily serving clients in the United States, and emphasizes the importance of having a plan in place to protect loved ones from unexpected financial burdens. Their services include guidance on Medicare options and long-term care insurance, which covers in-home visits, assisted living, and skilled nursing care, thereby enhancing the quality of life for clients and their families.


22. Pinney Insurance Center, Inc


Pinney Insurance Center, Inc., founded in 1972 and based in Roseville, California, operates as a private insurance brokerage. With a workforce of approximately 52 employees, the company specializes in a wide array of insurance products, including life insurance, annuities, and notably, long-term care insurance. Pinney Insurance serves as a vital resource for financial professionals and insurance agents, providing them with essential technology tools, underwriting support, and back-office services designed to streamline the sales process. Their offerings in long-term care include individual policies, group plans, and hybrid products that integrate life insurance with long-term care benefits. This strategic focus on technology and support has allowed Pinney to maintain a significant presence in the insurance industry, assisting over 5,000 agents and partnering with more than 60 carriers to deliver comprehensive insurance solutions.



Long Term Care Insurance Insights: Key Companies in California


CompanyHeadquarterSizeFoundedOwnership
LifeCare Assurance CompanyLos Angeles, California, United States (USA)201-5001988Private
LtcrLos Angeles, California, United States (USA)11-501998Private
California Long Term Care Insurance ServicesBurlingame, California, United States (USA)11-501996Private
Collins and AssociatesSan Diego, California, United States (USA)11-501973Private
CPS Insurance ServicesIrvine, California, United States (USA)51-2001974Private
FFL Insurance Agency, LLCCarlsbad, California, United States (USA)1-102006Private
Sequoia Innovations Life & RetirementGlendale, California, United States (USA)201-5002009Private
Westland Financial Services IncSan Diego, California, United States (USA)1-101974Private
The Lynn CompanyBakersfield, California, United States (USA)11-501955Private
Vantage Insurance SolutionsRedlands, California, United States (USA)1-102018Family Owned
Trusted American Insurance AgencyRoseville, California, United States (USA)1001-50002014Private
LBW Insurance and Financial ServicesSanta Clarita, California, United States (USA)11-501922Family Owned
TBG WestCulver City, California, United States (USA)11-501990Private
Wilshire Group Financial ServicesLos Angeles, California, United States (USA)11-501976Private
Chun-Ha Insurance Services, Inc.Garden Grove, California, United States (USA)51-2001990Corporate
Vantage Insurance & Wealth StrategiesRedlands, California, United States (USA)1-102018Family Owned
American Legacy SolutionsVentura, California, United States (USA)11-502014Private
Nevin and Witt Insurance ServicesChico, California, United States (USA)11-501947Private
Stevens & Associates Insurance Agency, Inc.Santa Barbara, California, United States (USA)11-501984Corporate
Schulte Insurance AgencyEncinitas, California, United States (USA)11-501975Family Owned
Vikas DattaCorona, California, United States (USA)1-102014Private
Pinney Insurance Center, IncRoseville, California, United States (USA)51-2001972Private


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