Long term care insurance companies focus on providing financial protection against the high costs of extended medical care. This sector includes agencies, brokerages, and specialized insurers, all aiming to support individuals planning for future healthcare needs due to aging or chronic conditions. With a growing aging population and rising healthcare expenses, the demand for innovative and customizable long-term care insurance products is increasing. Companies in this field are responding by developing hybrid policies and technology-driven solutions that simplify planning and enrich customer experiences, ensuring clients can navigate their future care options effectively.


This list features 24 long term care insurance companies, varying in size from small agencies to larger insurance providers. They are headquartered in key locations across the U.S., including Nebraska, Illinois, and Washington, and range in establishment from 1971 to 2016. Each company specializes in different aspects of long-term care, offering an array of products such as standalone insurance plans, hybrid options, and comprehensive consulting services. Their collective expertise is shaping the future of long-term care planning, reflecting a committed focus on assisting clients with particular insurance needs.


Read on to discover top long term care insurance companies.


Top 24 Long Term Care Insurance Companies


1. Mutual of Omaha

  • Website: mutualofomaha.com
  • Ownership type: Corporate
  • Headquarters: Omaha, Nebraska, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Latest funding: March 2024
  • Founded year: 1909
  • Headcount: 1001-5000
  • LinkedIn: mutual-of-omaha

Mutual of Omaha Insurance Company, based in Omaha, Nebraska, has been a significant player in the insurance and financial services industry since its founding in 1909. With a workforce of over 8,700 employees, the company offers a broad spectrum of products, including life insurance, Medicare solutions, and notably, long-term care insurance. Their long-term care coverage is designed to assist individuals in managing health-related expenses and financial risks associated with aging and chronic illnesses. Mutual of Omaha serves a wide array of clients, from individuals and families to businesses, showcasing their commitment to providing comprehensive insurance solutions. The company emphasizes financial strength and stability, which is crucial for clients seeking long-term care insurance, as it ensures that they can rely on the company for support when needed. Their website features resources and information specifically related to long-term care, further highlighting their active role in this sector.


2. LTCI Partners

  • Website: ltcipartners.com
  • Ownership type: Private
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2001
  • Headcount: 51-200
  • LinkedIn: ltci-partners

LTCI Partners, based in Chicago, Illinois, is an insurance brokerage that specializes in long-term care insurance solutions. Founded in 2001, the company has built a reputation for providing a comprehensive suite of services that includes standalone and hybrid life/LTC insurance, Medicare solutions, and extensive planning support for both financial advisors and consumers. With a dedicated team of professionals, LTCI Partners aims to simplify the long-term care planning process, making it more accessible for clients. They have implemented over 400 employer-sponsored long-term care programs and have written more than $500 million in individual and group insurance premiums. Their focus on education and advocacy is evident through their blogs, webinars, and legislative updates, which keep clients informed about the evolving landscape of long-term care insurance. LTCI Partners operates without reported funding, indicating a stable business model that relies on its brokerage services and partnerships with various insurance carriers.


3. ACSIA Partners LLC

  • Website: acsiapartners.com
  • Ownership type: Private
  • Headquarters: Woodinville, Washington, United States (USA)
  • Employee distribution: United States (USA) 98%, Other 2%
  • Founded year: 2003
  • Headcount: 201-500
  • LinkedIn: ltc-financial-partners

ACSIA Partners LLC, based in Woodinville, Washington, is an insurance agency that specializes in long term care insurance and related services. Founded in 2003, the company has grown to employ approximately 377 individuals, primarily in the United States. ACSIA Partners is dedicated to helping individuals and businesses understand and prepare for the financial implications of long term care. They offer a variety of services, including insurance products, care planning resources, and support for caregivers. The company is recognized for its commitment to consumer education, providing resources that help families make informed decisions about long term care. ACSIA Partners works closely with top long term care insurance providers, ensuring that clients have access to a range of options that meet their specific needs. Their focus on planning and education underscores their role in mitigating the financial risks associated with long term care, making them a relevant entity in this sector.


4. American Senior Benefits

  • Website: americanseniorbenefits.com
  • Ownership type: Corporate
  • Headquarters: Olathe, Kansas, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Latest funding: July 2019
  • Founded year: 2005
  • Headcount: 1001-5000
  • LinkedIn: american-senior-benefits

American Senior Benefits, based in Olathe, Kansas, is an insurance agency that focuses on providing tailored insurance and financial solutions for seniors. Founded in 2005, the company has grown significantly, employing around 1,000 individuals and partnering with over 1,800 affiliated agents across more than 165 locations nationwide. Their product offerings include Medicare supplements, life insurance, long-term care insurance, and retirement planning services. American Senior Benefits prides itself on a hybrid business model that combines the strengths of independent and career insurance agencies, allowing agents to offer customized solutions rather than a one-size-fits-all approach. This model supports their mission of helping seniors navigate their insurance needs effectively. The company has established relationships with respected carriers such as United Healthcare, Mutual of Omaha, and Aetna, ensuring a wide array of options for clients. Their focus on long-term care insurance is particularly noteworthy, as they recognize that a significant portion of individuals over 65 will require such coverage. This positions them as a relevant player in the insurance market for seniors.


5. Individual Commercial Brokerage, Inc. (ICB)

  • Website: icbinsures.com
  • Ownership type: Private
  • Headquarters: Mount Olive, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: individual-commercial-brokerage

Individual Commercial Brokerage, Inc. (ICB) is an insurance agency based in Mount Olive, New Jersey, founded in 1983. With over 30 years of experience, ICB specializes in long-term care insurance solutions, offering products such as traditional long-term care insurance, life insurance with long-term care benefits, and short-term care plans. Their primary clientele consists of individuals and families looking to secure their financial future against potential long-term care needs. ICB operates nationwide, providing personalized consultations and tailored insurance solutions to meet the unique needs of their clients. They partner with top-rated carriers to ensure that their offerings are reliable and of high quality. ICB is also a member of the National LTC Network and the National Alliance of Insurance Agencies, further solidifying their commitment to the long-term care insurance industry.


6. Long Term Care Associates, Inc.

  • Website: ltc-associates.com
  • Ownership type: Family Owned
  • Headquarters: Bellevue, Washington, United States (USA)
  • Employee distribution: United States (USA) 76%, Canada 24%
  • Founded year: 1972
  • Headcount: 11-50
  • LinkedIn: long-term-care-associates-inc-

Long Term Care Associates, Inc. (LTCA) is an insurance agency based in Bellevue, Washington, specializing in long-term care insurance solutions. Founded in 1972, the company has built a reputation for providing comprehensive insurance products, including traditional long-term care insurance, asset-based long-term care insurance, and short-term care insurance. LTCA primarily serves individuals across the United States who are looking to protect their financial future against the high costs associated with long-term care services. The agency prides itself on its consumer education initiatives, offering a wealth of resources to help clients understand their options and make informed decisions. With a team of 25 employees, LTCA operates as a family-owned business, emphasizing personalized service and support for policyholders. Their collaborations with well-known insurance carriers, such as Mutual of Omaha and Aetna, further enhance their offerings and credibility in the market.


7. The MedAmerica Insurance Companies


The MedAmerica Insurance Companies, based in Rochester, New York, is a private insurance provider that specializes in long term care insurance. Established in 1987, MedAmerica has dedicated itself to offering financial protection and support services to individuals and families facing long term care events. The company prides itself on its customer service, boasting a claims processing time that is notably swift, often completing claims in days rather than weeks. MedAmerica also administers long term care insurance policies for other carriers, further solidifying its role in the industry. With a focus solely on long term care, MedAmerica aims to ease the burden on families during challenging times, ensuring that they receive the support they need. The company operates across multiple states, including New York and Florida, and maintains a commitment to high customer satisfaction ratings, consistently striving to exceed 90%.


8. National Guardian Life Insurance Company


National Guardian Life Insurance Company (NGL), based in Madison, Wisconsin, has been a significant player in the insurance sector since its inception in 1909. With a workforce of approximately 397 employees, NGL operates across 49 states and the District of Columbia, providing a variety of insurance products. These include life insurance, annuities, long-term care insurance, and specialty insurance products. NGL is dedicated to offering financial security and peace of mind to individuals and families, particularly concerning end-of-life expenses and healthcare needs. The company has a strong focus on long-term care, evidenced by its dedicated long-term care insurance offerings and the recent launch of an electronic application platform aimed at enhancing the customer experience. NGL's commitment to customer service and its solid financial standing, reflected in its A (Excellent) rating from A.M. Best, further solidify its position in the insurance industry.


9. LTC Solutions, Inc

  • Website: ltc-solutions.com
  • Ownership type: Corporate
  • Headquarters: Redmond, Washington, United States (USA)
  • Employee distribution: United States (USA) 90%, Canada 10%
  • Latest funding: March 2023
  • Founded year: 1996
  • Headcount: 51-200
  • LinkedIn: ltc-solutions-inc

LTC Solutions, Inc. is an insurance brokerage based in Redmond, Washington, established in 1996. The company specializes in long-term care insurance and related products, providing tailored solutions for employers, brokers, associations, and individuals. With a team that boasts over 100 years of combined experience, LTC Solutions aims to simplify the complexities of securing long-term care insurance. They offer a range of services, including educational resources for clients, enrollment assistance, and comprehensive administration of long-term care plans. The firm collaborates with various insurance companies to ensure clients have access to a wide array of product options. Their focus on customer service and expertise in the long-term care insurance market positions them as a relevant player in the industry.


10. Long Term Care Advisors


Long Term Care Advisors, based in Sartell, Minnesota, is an insurance agency that specializes in long-term care insurance. Established in 1998, the company has built a reputation for providing educational resources and personalized quotes to individuals, particularly those over the age of 50. Their mission is to help clients understand the importance of long-term care planning and to protect their financial assets against the high costs associated with long-term care services. The agency offers a range of information on various types of long-term care, including home care, assisted living, and nursing facilities. They also highlight state partnership plans and tax incentives related to long-term care insurance, demonstrating their comprehensive approach to client education. With a team of dedicated licensed agents, Long Term Care Advisors aims to simplify the process of obtaining long-term care insurance, making it accessible and understandable for their clients.


11. AmeriLife

  • Website: amerilife.com
  • Ownership type: Private Equity
  • Headquarters: Clearwater, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2022
  • Founded year: 1971
  • Headcount: 1001-5000
  • LinkedIn: amerilife

AmeriLife, founded in 1971 and based in Clearwater, Florida, operates as an insurance agency and financial services provider. The company offers a broad array of products, including life insurance, health insurance, annuities, and retirement planning solutions. AmeriLife serves both individuals and businesses, assisting them in navigating complex insurance needs and securing their financial futures. With a workforce of over 1,300 employees, AmeriLife has built a robust distribution network that connects clients with knowledgeable agents and advisors. The company emphasizes a client-centered approach, aiming to provide tailored solutions that address the unique needs of its customers. AmeriLife's involvement in long-term care insurance is notable, as they offer products that help cover the costs associated with extended care, which is increasingly important for aging populations. Their commitment to innovation and technology further enhances their service delivery, making them a significant player in the insurance industry.


12. 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 spent over three decades developing and managing innovative insurance solutions tailored for businesses, particularly large corporations like Fortune 500 companies. LifeCare's services include underwriting, claims management, and regulatory compliance, ensuring that their clients can offer comprehensive insurance options without incurring financial risks. The company has successfully implemented programs that have benefited over 300,000 individuals, showcasing their impact in the industry. LifeCare's approach to product development is customized and scalable, allowing them to meet the specific needs of their clients while maintaining a strong focus on risk management and compliance. Their commitment to thorough underwriting practices and innovative product features has positioned them as a significant player in the long term care insurance market.


13. 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 caters to 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 understanding their insurance needs. They represent several reputable insurers, such as Mutual of Omaha and Nationwide, which enhances their credibility in the market. Additionally, the company provides educational resources through its Learning Center, helping clients grasp the complexities of long-term care insurance and make informed choices about their coverage options.


14. 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 primarily to members of various affinity groups. With a focus on helping clients navigate long-term care planning, Ltcr partners with over 650 organizations, including professional and alumni associations, to offer discounted rates and comprehensive support. They have assisted nearly 700,000 members in addressing their long-term care needs. Ltcr monitors benefit and rate information from more than 25 top carriers in the market, ensuring clients can compare plans and find the best value. Their commitment to service extends throughout the life of the policy, making them a notable entity in the long-term care insurance sector.


15. Strong Family Financial


Strong Family Financial, based in Jenks, Oklahoma, is a family-owned financial services firm founded in 2005. With a team of approximately 80 employees, the company specializes in insurance and retirement planning solutions tailored for seniors and individuals approaching retirement. Their offerings include life insurance, Medicare supplement insurance, and notably, long-term care services. Strong Family Financial is dedicated to educating clients about the importance of financial security and the role of long-term care insurance in safeguarding their assets and ensuring a comfortable retirement. The firm operates with a client-centric philosophy, aiming to provide personalized financial advice and support to help families navigate their financial futures effectively.


16. GoldenCare USA

  • Website: goldencareagent.com
  • Ownership type: Private
  • Headquarters: Plymouth, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 501-1000
  • LinkedIn: goldencare-usa

GoldenCare USA, based in Plymouth, Minnesota, is a private insurance agency that specializes in long-term care and Medicare products. Established in 1974, the company has built a reputation for providing tailored insurance solutions aimed at helping individuals secure financial stability for healthcare costs. GoldenCare offers a variety of products, including long-term care insurance, critical illness coverage, and Medicare supplements. They emphasize personalized service, equipping agents with comprehensive resources and tools to assist clients effectively. Their innovative approach includes a portfolio of products from top carriers, ensuring that agents can offer competitive options to their clients. GoldenCare's commitment to agent support and ongoing training further solidifies its role in the long-term care insurance market.


17. LifeSecure Insurance Company

  • Website: yourlifesecure.com
  • Ownership type: Private
  • Headquarters: New Hudson, Michigan, United States (USA)
  • Employee distribution: United States (USA) 98%, Canada 2%
  • Latest funding: October 2017
  • Founded year: 2006
  • Headcount: 51-200
  • LinkedIn: lifesecure

LifeSecure Insurance Company, based in New Hudson, Michigan, was founded in 2006 and has since carved out a niche in the insurance industry. The company offers a range of products, including accident, critical illness, hospital indemnity, and notably, long-term care insurance. Their Worksite LTCi product is designed to provide coverage for custodial care, home assistance, and other essential services that are often not covered by traditional health insurance. LifeSecure aims to make insurance straightforward and accessible, emphasizing innovation and customer service. They are licensed to operate in the District of Columbia and all states except Florida and New York, showcasing their national presence. With a dedicated team focused on creating effective insurance solutions, LifeSecure is positioned to meet the evolving needs of both individual consumers and businesses in managing health-related financial risks.


18. LifeQuotes.com

  • Website: lifequotes.com
  • Ownership type: Corporate
  • Headquarters: Chicago, Illinois, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: January 2024
  • Founded year: 1984
  • Headcount: 51-200
  • LinkedIn: life-quotes-inc.

LifeQuotes.com, founded in 1984 and based in Chicago, Illinois, operates as an insurance agency specializing in various insurance products. The company provides life, auto, health, and long-term care insurance, catering to individual consumers seeking financial protection through insurance coverage. With a team of approximately 82 employees, LifeQuotes.com emphasizes customer service by offering personalized quotes and consultations. They represent over 50 insurance companies, allowing clients to compare rates and find suitable coverage options. Their website features tools for obtaining instant quotes and resources for understanding different insurance products. LifeQuotes.com has maintained an A+ rating with the Better Business Bureau for over a decade, reflecting their commitment to customer satisfaction and ethical business practices.


19. 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 built a solid reputation over the decades. With a team of 11 to 50 employees, they provide a wide array of insurance products, including life, health, disability, and long-term care insurance. The firm serves both individual consumers and businesses, focusing on securing affordable coverage to mitigate financial risks associated with health and life events. Their expertise in long-term care insurance is particularly noteworthy, as they offer both traditional LTCi policies and hybrid life/LTCi policies. This specialization, combined with their long-standing presence in the industry, positions them as a knowledgeable player in the long-term care insurance market.


20. Continental General

  • Website: cgic.com
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 51-200
  • LinkedIn: continental-insurance-inc-

Continental General Insurance Company, based in Austin, Texas, is a private insurance provider that specializes in life, accident, and health insurance products. Founded in 2016, the company has quickly positioned itself as a significant player in the insurance industry, leveraging over 60 years of collective experience through its parent company and subsidiaries. Continental General serves a broad clientele, including over 100,000 policyholders, and is licensed to operate in forty-nine states, the District of Columbia, and the U.S. Virgin Islands. The company is dedicated to helping individuals and families navigate the financial challenges associated with aging and health issues. Notably, Continental General has recently expanded its offerings by acquiring a block of long-term care policies, demonstrating its commitment to this important area of insurance. Their focus on customer service, with a knowledgeable call center and personalized policyholder services, further underscores their dedication to supporting clients during difficult times.


21. Foresea Life Insurance


Foresea Life Insurance, founded in 2012 and based in Shenzhen, Guangdong, China, operates as a private insurance and healthcare provider. The company specializes in a range of insurance products, including life and medical insurance, with a particular focus on eldercare services. Foresea Life aims to provide financial security and quality healthcare for individuals and families, especially the elderly. The company has made significant strides in developing a comprehensive model that integrates insurance, medical care, and eldercare, responding to the growing demand for such services in China. With a workforce of over 5,000 employees, Foresea Life is actively involved in the healthcare sector, establishing hospitals and eldercare facilities that cater to the needs of its clients. Their commitment to the 'Healthy China' initiative reflects their strategic alignment with national health policies, further solidifying their role in the insurance and healthcare landscape.


22. Mature Health Services, Inc.


Mature Health Services, Inc. is an insurance agency based in the United States, founded in 1994. The company specializes in providing financial protection and insurance solutions tailored for mature individuals. Their product offerings include Medicare supplements, life insurance, long-term care insurance, and home health care services. With a dedicated team of licensed professionals, Mature Health Services focuses on personalized assistance, ensuring clients find the right coverage to meet their unique needs. The agency has served over 25,000 clients and has acted as a consultant to more than 2,500 insurance agencies in Illinois. Their commitment to educating clients through seminars and personal consultations helps demystify the insurance process, making it easier for individuals to make informed decisions about their financial futures. The company operates without reported funding, indicating a stable, self-sustaining business model.


23. Senior Health Solutions


Senior Health Solutions, based in Saint Charles, Missouri, is a private insurance agency founded in 2011. The company focuses on healthcare and financial planning services tailored for seniors. They offer a range of products, including Medicare supplements, long-term care insurance, and life insurance. Their primary clientele consists of seniors who need assistance managing healthcare costs and planning for their financial futures. Senior Health Solutions prides itself on providing personalized attention to clients, ensuring that each individual receives tailored advice and solutions. The agency operates across multiple states, reflecting its commitment to serving a broader senior population. With a team of approximately 46 employees, they emphasize a customer-centric approach, aiming to alleviate the financial burdens associated with healthcare and long-term care needs.


24. SSIP Insurance Partners

  • Website: 1ssip.com
  • Ownership type: Private
  • Headquarters: Mansfield, Ohio, United States (USA)
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: ssip-insurance-partners

SSIP Insurance Partners, based in Mansfield, Ohio, is a private insurance agency founded in 2009. With a workforce of around 201-500 employees, the company specializes in a wide array of insurance products, including health and life insurance, Medicare supplements, and legacy planning services. SSIP is dedicated to helping individuals, families, and businesses secure their financial futures through tailored insurance solutions. Notably, they provide long term care planning, which is a critical aspect of their offerings. The company emphasizes education, offering resources and training for both clients and agents to navigate the complexities of insurance options. Their commitment to making a positive difference in the lives of their clients is evident in their approach to service and support.



Long Term Care Insurance Insights: Key Companies


CompanyHeadquarterSizeFoundedOwnership
Mutual of OmahaOmaha, Nebraska, United States (USA)1001-50001909Corporate
LTCI PartnersChicago, Illinois, United States (USA)51-2002001Private
ACSIA Partners LLCWoodinville, Washington, United States (USA)201-5002003Private
American Senior BenefitsOlathe, Kansas, United States (USA)1001-50002005Corporate
Individual Commercial Brokerage, Inc. (ICB)Mount Olive, New Jersey, United States (USA)11-501983Private
Long Term Care Associates, Inc.Bellevue, Washington, United States (USA)11-501972Family Owned
The MedAmerica Insurance CompaniesRochester, New York, United States (USA)51-2001987Private
National Guardian Life Insurance CompanyMadison, Wisconsin, United States (USA)201-5001909Private
LTC Solutions, IncRedmond, Washington, United States (USA)51-2001996Corporate
Long Term Care AdvisorsSartell, Minnesota, United States (USA)11-501998Private
AmeriLifeClearwater, Florida, United States (USA)1001-50001971Private Equity
LifeCare Assurance CompanyLos Angeles, California, United States (USA)201-5001988Private
California Long Term Care Insurance ServicesBurlingame, California, United States (USA)11-501996Private
LtcrLos Angeles, California, United States (USA)11-501998Private
Strong Family FinancialJenks, Oklahoma, United States (USA)51-2002005Family Owned
GoldenCare USAPlymouth, Minnesota, United States (USA)501-10001974Private
LifeSecure Insurance CompanyNew Hudson, Michigan, United States (USA)51-2002006Private
LifeQuotes.comChicago, Illinois, United States (USA)51-2001984Corporate
Collins and AssociatesSan Diego, California, United States (USA)11-501973Private
Continental GeneralAustin, Texas, United States (USA)51-2002016Private
Foresea Life InsuranceShenzhen, Guangdong, China5001-100002012Private
Mature Health Services, Inc.United States (USA)11-501994Corporate
Senior Health SolutionsSaint Charles, Missouri, United States (USA)51-2002011Private
SSIP Insurance PartnersMansfield, Ohio, United States (USA)201-5002009Private


Want to Find More Long Term Care Insurance Companies?

If you want to find more companies that provide long-term care insurance, hybrid plans, and consulting services you can do so with Inven. This list was built with Inven and there are hundreds of companies like these globally.

With Inven you'll also get to know the company's:

  • Detailed Ownership: Who owns the company? Is it a public or private company? What is the ownership structure?
  • Contact data: Who are the founders and CEO's? What are their emails and phone numbers?
  • Financials: How do these companies perform financially? What are their revenues and profit margins?

...and a lot more!