Long term care insurance companies in New York provide essential financial support for individuals facing chronic illnesses or disabilities as they age. The industry includes private insurers, brokerages, and independent agencies, each offering not only long-term care policies but also life, health, and disability coverage. This sector is poised for growth due to the increasing elderly population and rising healthcare costs. Recent developments include innovative policy products such as hybrid plans that combine long-term care features with life insurance, catering to changing consumer needs. Companies in this field are adapting by enhancing customer service and embracing technological advancements.


This list features an array of long term care insurance companies based in New York, ranging from small agencies to larger firms. Established between 1926 and 2012, the companies operate variously in Rochester, New York City, and elsewhere. With a workforce ranging from under ten to over 4,000, they specialize in long-term care insurance products and ancillary offerings, demonstrating a commitment to the essential needs of aging New Yorkers.


Continue reading to discover the top long term care insurance companies in New York.


Top 24 Long Term Care Insurance Companies in New York


1. The MedAmerica Insurance Companies


The MedAmerica Insurance Companies, founded in 1987 and based in Rochester, New York, is a private insurance provider that specializes exclusively in long term care insurance. With a workforce of around 51-200 employees, the company is dedicated to offering financial protection and support services to individuals and families facing long term care events. MedAmerica prides itself on its customer service, boasting a claims processing time measured in days rather than weeks, and consistently achieving customer satisfaction ratings exceeding 90%. In addition to issuing its own coverage, MedAmerica also administers long term care insurance policies for other carriers, showcasing its expertise and commitment to the industry. The company operates under multiple home offices, including locations in Pittsburgh, PA, and Orlando, FL, further solidifying its presence in the long term care insurance market.


2. Advisors Insurance Brokers

  • Website: advisorsib.com
  • Ownership type: Private
  • Headquarters: Clifton Park, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1991
  • Headcount: 11-50
  • LinkedIn: national-long-term-care-brokers

Advisors Insurance Brokers, based in Clifton Park, New York, has been serving clients since 1991. This private insurance brokerage focuses on a range of products, including long-term care insurance, life insurance, annuities, and disability insurance. The company aims to provide financial security and asset protection to its clients. They offer educational resources and personalized assistance, helping clients navigate their insurance needs effectively. Advisors Insurance Brokers has established itself as one of the larger brokerage agencies in the U.S. that specializes in long-term care insurance, demonstrating a commitment to excellence and customer service. Their team is dedicated to ensuring that clients receive the information necessary to make informed decisions about their insurance options.


3. Covala Group

  • Website: covalagroup.com
  • Ownership type: Private
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: covala-group

Covala Group, founded in 1993 and based in New York City, is a private insurance provider that specializes in Individual Disability Insurance and Long-Term Care benefits. The company serves large employers, including Fortune 500 firms, by providing supplemental insurance solutions designed to help employees maintain financial stability during disabling events. Covala Group has a strong track record in the design, enrollment, and administration of these benefits, having connected employees to over $4.5 billion in income protection. Their approach emphasizes high-quality service, superior participation rates, and customized communication strategies, which have proven effective in engaging employees and ensuring smooth enrollment processes. Covala Group has processed over 50,000 enrollments, showcasing their capability in managing complex insurance offerings. They are licensed to sell disability insurance across numerous states, further solidifying their operational footprint in the industry.


4. True North Financial Solutions


True North Financial Solutions, based in White Plains, New York, is a family-owned financial services firm founded in 2012. With a team of around 15 employees, they focus on providing comprehensive financial planning and insurance solutions tailored to individuals, families, and businesses. Their services include life insurance, retirement planning, estate planning, and notably, long term care solutions. The firm emphasizes a consultative approach, ensuring that they listen to clients' needs before proposing solutions. This personalized service is designed to foster long-lasting relationships and help clients achieve financial independence. True North Financial Solutions has positioned itself as a trusted partner in navigating the complexities of financial planning, particularly in the area of long term care, where they offer products that mitigate the financial risks associated with chronic illnesses.


5. NYLIFE Securities LLC

  • Website: nylifesecurities.com
  • Ownership type: Private
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1969
  • Headcount: 1001-5000
  • LinkedIn: nylife-securities-llc

NYLIFE Securities LLC is a private insurance and financial services provider based in New York, New York. Founded in 1969, it operates as a subsidiary of New York Life Insurance Company, which has a rich history dating back to 1845. The company specializes in a variety of financial products, including life insurance, annuities, and investment management services. NYLIFE Securities is particularly notable for its offerings in long-term care insurance, which assists individuals in covering the costs associated with daily living assistance as they age. With a workforce of over 4,300 employees, the company is dedicated to providing personalized financial solutions to individuals, families, and small businesses, helping them secure their financial futures and manage risks effectively. Their commitment to customer service and financial education further enhances their role in the insurance industry.


6. Sellers Insurance


Sellers Insurance, established in 1920 and based in Athol Springs, New York, is a family-owned insurance agency that has been operating for over a century. With a team of approximately 32 employees, the agency provides a wide array of personal and business insurance products. Their offerings include life, disability, homeowners, and notably, long-term care insurance. Sellers Insurance caters primarily to individuals and professionals, particularly in the medical and legal fields, tailoring their services to meet the unique needs of these clients. The company prides itself on personalized service, which is a hallmark of its operations. They have built a reputation for reliability and customer care, as evidenced by positive testimonials from clients who appreciate the attentive support they receive during claims processes. Sellers Insurance also serves members of various professional associations, further solidifying their niche in the market.


7. Briceland Angency, Inc

  • Website: briceland.com
  • Ownership type: Private
  • Headquarters: Buffalo, New York, United States (USA)
  • Employee distribution: Vietnam 100%
  • Founded year: 1965
  • Headcount: 11-50
  • LinkedIn: briceland-angency-inc

Briceland Agency, Inc., established in 1965, is a private insurance agency located in Buffalo, New York. With a team of 23 employees, the agency specializes in providing a wide array of insurance products tailored to meet the needs of both individuals and businesses. Their offerings include personal and commercial insurance, health, life, and risk management solutions. Briceland is committed to delivering customized insurance policies that address the unique requirements of their clients. They have built a reputation for professionalism and individual attention, serving thousands of clients in Western New York. The agency's knowledgeable staff is dedicated to helping clients navigate the complexities of insurance, ensuring they receive the most suitable coverage for their needs. Briceland Agency also emphasizes the importance of client education, providing resources to help clients understand their insurance options and the value of their coverage.


8. Northern Insuring Agency, Inc.

  • Website: northerninsuring.com
  • Ownership type: Private
  • Headquarters: Plattsburgh, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1930
  • Headcount: 11-50
  • LinkedIn: northern-insuring

Northern Insuring Agency, Inc., established in 1930, is a private insurance agency based in Plattsburgh, New York. With a workforce of approximately 38 employees, the agency has built a reputation for providing personalized insurance solutions tailored to the needs of both individuals and businesses in the Northern New York region. Their offerings include home and auto insurance, individual and group benefits, and business insurance. Notably, they also provide long-term care insurance, which is part of their individual benefits portfolio. The agency prides itself on its commitment to integrity, community, and respect, and has maintained a strong local presence with offices in Plattsburgh, Potsdam, and Glens Falls. Northern Insuring Agency collaborates with over 40 reputable insurance carriers, ensuring a range of options for their clients. Their focus on customer service and risk management has allowed them to serve the community effectively for over 90 years.


9. Ballard & Associates, LLC

  • Website: ballardassoc.com
  • Ownership type: Private
  • Headquarters: Cicero, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 51-200
  • LinkedIn: ballard-%26-associates-llc

Ballard & Associates, LLC is an insurance agency based in Cicero, New York, founded in 2006. The company operates as a private entity with a team of 51-200 employees. They specialize in a variety of insurance products, including health, life, dental, and notably, long term care insurance. Ballard & Associates aims to assist individuals and families in navigating their insurance options, ensuring they find suitable coverage that aligns with their needs and budget. Their approach emphasizes building strong relationships with clients, which is crucial in the insurance industry, particularly for long term care where understanding personal circumstances is vital. The agency prides itself on its customer service and has established connections with multiple insurance carriers to provide competitive options. While they have not reported any funding, their operational model and focus on client service position them as a relevant player in the long term care insurance market.


10. Stahlka Agency Inc.

  • Website: stahlka.com
  • Ownership type: Family Owned
  • Headquarters: Williamsville, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 11-50
  • LinkedIn: stahlka-agency-inc-

Stahlka Agency Inc., founded in 1957 and based in Williamsville, New York, is a family-owned insurance agency that provides a wide array of insurance products. The agency serves both individual consumers and businesses, offering tailored solutions to manage risks and protect assets. Their offerings include personal insurance such as auto and homeowners insurance, as well as business insurance, life insurance, and health insurance. Notably, they provide individual long-term care insurance as part of their health insurance services. Stahlka Agency has been recognized in the 2022 Best Practices Study by the Independent Insurance Agents & Brokers of America, highlighting their commitment to customer retention, growth, and financial management. This recognition places them among a select group of independent agencies in the U.S. that meet high standards of performance.


11. SEFCU Insurance Agency


SEFCU Insurance Agency, also known as Broadview Insurance Agency, is a private insurance agency based in Schenectady, New York. Founded in 1996, the agency operates as a subsidiary of Broadview Federal Credit Union. With a team of 11 to 50 employees, they provide a wide array of insurance products tailored to meet the needs of individuals and families. Their offerings include vehicle insurance, property insurance, life insurance, fixed annuities, and Medicare services, alongside long-term care insurance. The agency prides itself on delivering personalized service, helping clients navigate their insurance options to find suitable coverage. They work with multiple carriers to ensure clients receive competitive rates and comprehensive protection for their financial interests.


12. Eifert, French & Ketchum Insurance Agency


Eifert, French & Ketchum Insurance Agency, established in 1933, is an independent insurance brokerage located in Pelham, New York, and Tenafly, New Jersey. With a team of approximately 45 employees, the agency specializes in a variety of insurance products, including homeowners, automobile, business, group health, life insurance, and notably, long-term care insurance. Their approach emphasizes personalized service, allowing them to tailor insurance programs to meet the unique needs of individuals and businesses. EFK has built a reputation for professionalism and integrity, focusing on risk management solutions that protect clients' assets. The agency's long-term care insurance offerings are designed to assist individuals in managing the costs associated with nursing homes and other long-term care facilities, reflecting their commitment to addressing the needs of an aging population. EFK's extensive experience in the insurance industry positions them as a knowledgeable partner for clients navigating the complexities of long-term care planning.


13. Garber Atlas Fries & Associates, Inc.


Garber Atlas Fries & Associates, Inc. is a family-owned insurance agency based in Oceanside, New York, established in 1968. The agency has built a solid reputation over the years, providing a wide array of insurance products, including auto, home, business, health, life, and long term care insurance. With a team of experienced professionals, the agency emphasizes personalized service and risk management for both individual consumers and businesses. The agency has expanded its reach through strategic acquisitions and partnerships, enhancing its capabilities and market presence. The leadership team includes industry veterans with various certifications, ensuring a knowledgeable approach to client needs. Garber Atlas Fries & Associates, Inc. remains committed to delivering comprehensive insurance solutions while maintaining a strong focus on client relationships and service excellence.


14. Insurance Services LLC


Insurance Services LLC, known as Financial Guards Insurance Brokerage, is a private insurance brokerage based in Queens, New York. Founded in 1987, the company has built a reputation for helping individuals, families, and businesses find cost-effective insurance solutions tailored to their specific needs. Their offerings include life, health, and disability insurance, as well as business protection plans. Notably, they assist clients in comparing rates from various insurance providers across the United States to secure the best possible coverage. While they do provide long-term care insurance among their services, it is one of many products they offer rather than a primary focus. The company operates with a modest team of 21 employees, indicating a personalized approach to client service.


15. NICL Insurance Services, LLC

  • Website: niclservices.com
  • Ownership type: Private
  • Headquarters: Clarence, New York, United States (USA)
  • Employee distribution: India 50%, Pakistan 50%
  • Founded year: 2005
  • Headcount: 1-10
  • LinkedIn: nicl-insurance-services-llc

NICL Insurance Services, LLC is a private insurance brokerage firm based in Clarence, New York, founded in 2005. The company specializes in a wide array of insurance products, including life, disability, health, and notably, long term care insurance. NICL acts as an intermediary between clients and insurance carriers, assessing clients' risk profiles to suggest appropriate coverage. They emphasize personalized service, aiming to develop tailored insurance solutions that address the unique needs of both individual consumers and businesses. NICL does not charge commissions for their services, which positions them as a client-focused entity in the insurance market. Their operational model includes ongoing support and policy reviews, ensuring that clients are well-informed about their coverage options. With a small team and a global employee distribution, NICL maintains a commitment to understanding market trends and providing comprehensive insurance solutions.


16. Lighthouse Financial Network, LLC

  • Website: lfnllc.com
  • Ownership type: Private
  • Headquarters: Melville, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2008
  • Headcount: 51-200
  • LinkedIn: lighthouse-financial-network-llc

Lighthouse Financial Network, LLC, based in Melville, New York, is a private financial services firm founded in 2008. The company specializes in a variety of services, including wealth management, financial planning, and insurance products. With a team of experienced professionals, Lighthouse Financial Network aims to provide tailored financial solutions to both individual consumers and businesses. They emphasize building strong relationships with clients, ensuring that their unique financial needs are understood and addressed. Among their offerings, long-term care insurance is included, reflecting their commitment to comprehensive financial planning. The firm operates through an affiliation with Osaic Wealth, Inc., which allows them to provide a wide range of investment and insurance products. Their approach involves collaboration with other professionals, such as attorneys and accountants, to create effective financial strategies for their clients.


17. Meridian Risk Management

  • Website: meridianrisk.com
  • Ownership type: Private
  • Headquarters: Pelham, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2003
  • Headcount: 51-200
  • LinkedIn: meridianriskmanagement

Meridian Risk Management, founded in 2003 and based in Pelham, New York, is a private insurance agency that provides a variety of insurance and risk management services tailored for both individuals and businesses. The company emphasizes personalized service and community involvement, reflecting its commitment to understanding the unique needs of its clients. Meridian offers personal insurance products such as home and auto insurance, life insurance, and notably, long term care and long term disability insurance. Additionally, they provide commercial insurance solutions and employee benefits, showcasing their capability to address a wide array of insurance needs. Meridian's team is composed of experienced professionals who leverage their industry knowledge to design custom programs that align with clients' goals. Their community engagement is evident through various local initiatives, reinforcing their commitment to giving back to the areas they serve.


18. Admiral Insurance Brokerage Corp.


Admiral Insurance Brokerage Corp., founded in 1996 and based in Brooklyn, New York, operates as a private insurance brokerage. With a workforce of approximately 39 employees, the company provides a range of insurance products tailored to both individual consumers and businesses. Their offerings include construction insurance, personal insurance, business insurance, and wealth planning solutions. Notably, Admiral Insurance also provides long-term care insurance, which is designed to cover costs associated with nursing homes, assisted living, and home health care services. This product is essential for individuals planning for future healthcare needs, as traditional health insurance and Medicare often do not cover these expenses. The company emphasizes customer service and aims to deliver comprehensive coverage options to mitigate financial risks. Despite not having reported any funding, Admiral Insurance maintains a presence in the insurance market, serving clients across the United States.


19. Cambridge Insurance Advisors

  • Website: camlife.com
  • Ownership type: Private
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: cambridge-insurance-advisors

Cambridge Insurance Advisors, established in 1989 and based in New York, New York, is a private insurance agency that provides a range of insurance solutions. With a team of 29 employees, they serve individuals, businesses, and organizations across the United States. Their offerings include personal insurance, business insurance, and employee benefits, with a specific focus on individual long-term care insurance as part of their personal insurance portfolio. The firm prides itself on its independent status, allowing it to partner with multiple top-rated insurance companies to deliver tailored solutions. Their consulting services also extend to risk management, helping clients navigate the complexities of insurance coverage. Cambridge Insurance Advisors has maintained a presence in the industry for over three decades, adapting to changing market needs and client demands.


20. LPL Risk Management

  • Website: lplrisk.com
  • Ownership type: Private
  • Headquarters: Ronkonkoma, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: lpl-risk-management

LPL Risk Management, based in Ronkonkoma, New York, has been serving clients since 1973. This private insurance agency provides a wide array of insurance products, including personal, business, life, and health insurance. They cater to both individual consumers and businesses, focusing on risk management and asset protection through tailored insurance solutions. LPL Risk Management emphasizes customer service and has built a reputation for personalized attention. They operate as an independent agency, allowing them to offer competitive quotes from multiple insurance carriers. Their offerings include group long-term care insurance as part of their employee benefits package, indicating their involvement in the long-term care insurance market, albeit as a secondary focus.


21. Vanbridge, an EPIC company

  • Website: vanbridge.com
  • Ownership type: Corporate
  • Headquarters: New York, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2018
  • Founded year: 2013
  • Headcount: 1001-5000
  • LinkedIn: vanbridge-epic

Vanbridge, an EPIC company, is an insurance brokerage and financial consulting firm based in New York City. Founded in 2013, the company specializes in innovative insurance and alternative capital solutions tailored for businesses and high-income individuals. Their services include risk management, life capital solutions, and executive benefits. A significant aspect of their offerings is the Life Capital Solutions division, which includes long-term care insurance and disability insurance. This division emphasizes a consultative approach, helping clients navigate the intricacies of financial security planning. Vanbridge's interdisciplinary team combines expertise from various sectors, allowing them to provide comprehensive solutions that meet the unique needs of their clients. They have not reported any recent funding, indicating a stable operational model since their inception.


22. KAFL Insurance Resources, Inc.

  • Website: kafl.com
  • Ownership type: Private
  • Headquarters: Rochester, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1991
  • Headcount: 11-50
  • LinkedIn: kafl

KAFL Insurance Resources, Inc., founded in 1991 and based in Rochester, New York, operates as an insurance brokerage and consulting firm. The company specializes in a range of financial products and services, including life insurance, employee benefits, and Medicare consulting. KAFL primarily serves financial advisors and professionals in the financial services industry, providing them with dedicated support and innovative resources to help secure their clients' financial futures. Notably, KAFL offers a variety of long term care insurance products, such as traditional long term care plans, linked benefit plans, and hybrid plans, which cater to the growing demand for long term care solutions. With a team of experts and access to over 70 carriers, KAFL is positioned to deliver comprehensive case design solutions that protect clients' financial strategies. The company has expanded its footprint nationally, with regional offices and a commitment to enhancing the services it provides to its partners and clients.


23. Club Agency Insurance Brokerage LLC


Club Agency Insurance Brokerage LLC, established in 1936, is a family-owned insurance brokerage based in New York. With a team of 19 employees, the company serves both individual consumers and businesses primarily in the Northeast region. They offer a wide range of insurance products, including personal insurance, business insurance, hospitality insurance, and life & health insurance. Their commitment to client service is evident in their approach to tailoring insurance solutions to meet the specific needs of their clients. Club Agency emphasizes the importance of protecting assets and managing risks, which is crucial in the insurance industry. They provide a comparison tool that allows clients to evaluate quotes from various insurance providers, enhancing their ability to find suitable coverage. Their long-standing presence in the industry reflects a dedication to adapting to the changing needs of their clientele.


24. NSA Insurance Solutions Service

  • Website: nsainsure.com
  • Ownership type: Private
  • Headquarters: Aquebogue, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1926
  • Headcount: 11-50
  • LinkedIn: neefus-stype-agency

NSA Insurance Solutions Service, based in Aquebogue, New York, has been operating since 1926. This private insurance agency provides a wide array of insurance products tailored to both individual consumers and businesses. Their offerings include commercial, personal, and life insurance, with a notable emphasis on personalized service. The company aims to help clients navigate their insurance needs effectively, ensuring they are protected against various risks and financial losses. In addition to long term care insurance, NSA Insurance Solutions also provides services related to Medicare and other senior services, indicating a commitment to addressing the needs of older adults. With a team of experienced agents, they strive to deliver customized solutions that meet the unique requirements of their clients.



Long Term Care Insurance Insights: Key Companies in New York


CompanyHeadquarterSizeFoundedOwnership
The MedAmerica Insurance CompaniesRochester, New York, United States (USA)51-2001987Private
Advisors Insurance BrokersClifton Park, New York, United States (USA)11-501991Private
Covala GroupNew York, New York, United States (USA)11-501993Private
True North Financial SolutionsWhite Plains, New York, United States (USA)201-5002012Family Owned
NYLIFE Securities LLCNew York, New York, United States (USA)1001-50001969Private
Sellers InsuranceAthol Springs, New York, United States (USA)11-501920Family Owned
Briceland Angency, IncBuffalo, New York, United States (USA)11-501965Private
Northern Insuring Agency, Inc.Plattsburgh, New York, United States (USA)11-501930Private
Ballard & Associates, LLCCicero, New York, United States (USA)51-2002006Private
Stahlka Agency Inc.Williamsville, New York, United States (USA)11-501957Family Owned
SEFCU Insurance AgencySchenectady, New York, United States (USA)11-501996Private
Eifert, French & Ketchum Insurance AgencyPelham, New York, United States (USA)11-501933Private
Garber Atlas Fries & Associates, Inc.Oceanside, New York, United States (USA)11-501968Family Owned
Insurance Services LLCQueens, New York, United States (USA)11-501987Private
NICL Insurance Services, LLCClarence, New York, United States (USA)1-102005Private
Lighthouse Financial Network, LLCMelville, New York, United States (USA)51-2002008Private
Meridian Risk ManagementPelham, New York, United States (USA)51-2002003Private
Admiral Insurance Brokerage Corp.Brooklyn, New York, United States (USA)11-501996Private
Cambridge Insurance AdvisorsNew York, New York, United States (USA)11-501989Private
LPL Risk ManagementRonkonkoma, New York, United States (USA)11-501973Private
Vanbridge, an EPIC companyNew York, New York, United States (USA)1001-50002013Corporate
KAFL Insurance Resources, Inc.Rochester, New York, United States (USA)11-501991Private
Club Agency Insurance Brokerage LLCNew York, New York, United States (USA)11-501936Family Owned
NSA Insurance Solutions ServiceAquebogue, New York, United States (USA)11-501926Private


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