Long term care insurance companies in Ohio are pivotal in addressing the growing need for protection against the high costs of long-term care. These firms offer various products designed to assist individuals and families with financial planning for potential medical expenses incurred from chronic illness or disability. Many companies in Ohio focus on personalized solutions, including comprehensive coverage options that incorporate life insurance, health insurance, and Medicare supplementary plans. As the population ages, the industry is likely to see significant growth, with an increasing emphasis on educational resources to help clients understand their options in long-term care planning.


The companies listed here include both established firms and newer players, showcasing a mix of sizes and specializations. Ranging from smaller agencies with under ten employees to larger firms employing several hundred, these businesses are spread across Ohio, with locations in cities like Mansfield, Cincinnati, and Cleveland. Founded between the early 20th century and recent years, these firms prioritize key offerings like long-term care insurance, health, and financial planning in their services, catering to individuals and businesses alike.


Read on to discover the top long term care insurance companies in Ohio.


Top 24 Long Term Care Insurance Companies in Ohio


1. 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 variety of insurance products, including health and life insurance, Medicare supplements, and legacy planning services. They cater to individuals, families, and businesses, aiming to secure financial futures through comprehensive insurance solutions. Notably, SSIP emphasizes long term care planning, offering resources and products tailored to this need. Their commitment to education is evident through their provision of videos and materials that help clients navigate their options in long term care and other insurance areas. This focus on client education and support reflects their dedication to making a positive impact in the lives of their clients.


2. Diversified Brokerage Specialists, Inc.

  • Website: dbs50.com
  • Ownership type: Private
  • Headquarters: Blue Ash, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1946
  • Headcount: 11-50
  • LinkedIn: diversified-brokage-specialist

Diversified Brokerage Specialists, Inc. is an insurance brokerage based in Blue Ash, Ohio, founded in 1946. The company specializes in a variety of insurance products, including life, disability, long-term care, and annuities. With a team of 11 to 50 employees, they cater to both individual consumers and businesses, providing essential financial protection and planning services. Their approach emphasizes securing clients' financial futures through tailored insurance solutions. The firm actively engages in the long-term care insurance market, offering resources and support to brokers and clients alike. They aim to provide competitive rates and comprehensive options, ensuring that clients can navigate the complexities of long-term care planning effectively. Their commitment to service and expertise in the field positions them as a relevant player in the long-term care insurance industry.


3. American Insurnet Agency


American Insurnet Agency, Inc., founded in 1993 and based in Cincinnati, Ohio, operates as an insurance brokerage specializing in a variety of insurance products. With a team of 21 employees, the agency focuses on providing brokers with essential tools and support to offer comprehensive insurance solutions. Their product offerings include disability, life, long-term care, and critical illness insurance. American Insurnet has developed a strong presence in the long-term care insurance market, advocating for LTCi marketing for over ten years. They provide agents with access to a wide range of carriers, including top-rated and financially stable options, ensuring that brokers can offer competitive solutions to their clients. The agency prides itself on its sales support, educational resources, and efficient service, making it a valuable partner for brokers in the insurance industry.


4. Berson-Sokol Agency, Inc.

  • Website: berson-sokol.com
  • Ownership type: Family Owned
  • Headquarters: Cleveland, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: berson-sokol-agency-inc.

Berson-Sokol Agency, Inc. is an insurance agency based in Cleveland, Ohio, founded in 1973. As a family-owned business, it has built a reputation for providing comprehensive insurance solutions, including life insurance, annuities, senior health care, and long-term care services. The agency prides itself on supporting insurance agents and advisors by offering extensive training, resources, and access to a wide range of insurance products. With a focus on long-term care, Berson-Sokol has developed a specialized team that assists agents in navigating the intricacies of long-term care insurance. The agency has placed over $6 billion in death benefits and is licensed in more than 40 states, showcasing its extensive reach and experience in the industry. Their commitment to technology and personal service positions them as a valuable partner for agents looking to grow their businesses effectively.


5. Hummel Group

  • Website: hummelgrp.com
  • Ownership type: Corporate
  • Headquarters: Berlin, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $15.2M, April 2025
  • Founded year: 1957
  • Headcount: 51-200
  • LinkedIn: hummel-group

Hummel Group, based in Berlin, Ohio, has been a player in the insurance and financial services sector since its founding in 1957. Initially established as Hummel Insurance Agency, the company has evolved over the decades, expanding its offerings to include personal and commercial insurance, employee benefits, and wealth management services. With a workforce of approximately 116 employees, Hummel Group serves individuals, businesses, and organizations, helping them navigate risks and secure their financial futures. Their commitment to client service is evident in their approach, which emphasizes understanding client needs and providing tailored solutions. Hummel Group also engages in long term care insurance, adding to their suite of personal insurance products. The company has recently secured funding of $15,180,000 in April 2025, indicating ongoing growth and investment in their operations.


6. Mitchell Insurance Agency


Mitchell Insurance Agency, founded in 1993 and based in Plain Township, Ohio, is a private insurance agency with a workforce of approximately 46 employees. The agency provides a wide array of insurance products, including auto, home, business, life, and health insurance. They cater to both individual consumers and businesses, emphasizing tailored solutions to manage risks and protect assets. With multiple office locations across Ohio and Florida, Mitchell Insurance Agency prioritizes customer service, helping clients navigate their insurance options. Notably, they offer individual long-term care insurance as part of their health insurance offerings, indicating their engagement in this specific market segment. Their commitment to customer satisfaction is reflected in positive reviews from clients, highlighting their responsive service and expertise in insurance matters.


7. Postema Insurance & Investments


Postema Insurance & Investments, established in 2005 and based in Defiance, Ohio, is a private insurance agency that provides a variety of financial services. The company specializes in life insurance, health insurance, retirement planning, and notably, long-term care insurance. With a team of dedicated agents, Postema Insurance aims to offer tailored solutions to individuals and families, ensuring they are well-protected against unforeseen circumstances. Their approach emphasizes personalized service, allowing clients to feel confident in their insurance choices. The agency also provides educational resources to help clients understand their options better. While they have not reported any funding, their growth since inception indicates a steady presence in the insurance market.


8. CMS Insurance Agency, Inc

  • Website: cmsinsurance.com
  • Ownership type: Private
  • Headquarters: Cincinnati, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 1-10
  • LinkedIn: cms-insurance-agency-inc

CMS Insurance Agency, Inc., established in 1977, is a private insurance agency based in Cincinnati, Ohio. With a small team of 1-10 employees, the agency prides itself on its extensive experience, boasting over 200 years of combined knowledge in the insurance field. CMS Insurance operates as an independent agency, which allows them to represent a carefully selected group of financially stable insurance companies. This independence enables them to tailor insurance solutions to meet the specific needs of individuals, families, and businesses in the Cincinnati area. Their product offerings include auto, home, life, business, health, disability, and notably, long term care insurance. The agency emphasizes personal service and expert advice, aiming to provide comprehensive coverage for their clients. CMS Insurance is also actively involved in community service, supporting various local non-profits and initiatives, which reflects their commitment to the community they serve.


9. Gem-Young Insurance & Wealth Advisors


Gem-Young Insurance & Wealth Advisors is a family-owned insurance agency and financial planning service based in Canfield, Ohio. Established in 1947, the company has built a reputation for providing a wide range of personal and business insurance products, alongside financial planning solutions. They cater to both individual consumers and businesses, focusing on risk management and securing financial futures through expert advice and comprehensive coverage. The agency operates as an independent entity, allowing them to represent multiple insurance companies and offer tailored solutions to their clients. Their services include not only long-term care insurance but also life insurance, disability insurance, and Medicare options, reflecting their commitment to addressing the unique needs of their clientele. With a team of experienced agents, Gem-Young aims to simplify the insurance process and ensure client satisfaction, which is evident from their positive customer feedback and community involvement.


10. Harding & Jacob Insurance, Member H.C. Murray Group


Harding & Jacob Insurance, a member of the H.C. Murray Group, is an independent insurance agency based in Independence, Ohio. Established in 1932, the agency specializes in personal lines property and casualty insurance for families in the Cleveland area, as well as commercial lines for local businesses. The H.C. Murray Group, which includes Harding & Jacob, provides a comprehensive suite of insurance products, including life, health, auto, home, and notably, long-term care insurance. This agency serves a broad clientele, helping individuals and businesses manage risks and secure their financial futures. With a focus on exceptional service and ethical conduct, Harding & Jacob Insurance has built lasting relationships with over 6,000 clients across Northeast Ohio and beyond, demonstrating their commitment to the insurance industry and their clients' needs.


11. Complete Solutions Inc


Complete Solutions Inc, founded in 1994 and based in Vandalia, Ohio, is a private financial planning service that specializes in retirement planning and insurance. The company assists clients, particularly pre-retirees and retirees, in navigating complex topics such as Medicare, Social Security, and long term care. They offer personalized consultations, educational workshops, and various resources aimed at helping clients secure their financial futures. Their services include long term care planning, retirement income planning, life insurance, and estate planning. The firm prides itself on a holistic approach to financial planning, ensuring that all aspects of a client's retirement are considered. With a small team of dedicated professionals, Complete Solutions Inc emphasizes education and personalized service, aiming to help clients achieve their retirement goals effectively.


12. Leugers Insurance Agency, Inc

  • Website: leugersins.com
  • Ownership type: Private
  • Headquarters: Maria Stein, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1914
  • Headcount: 11-50
  • LinkedIn: leugers-insurance-agency-inc

Leugers Insurance Agency, Inc., founded in 1914, is a private insurance agency based in Maria Stein, Ohio. With a team of 28 employees, the agency provides a wide array of insurance products and financial services tailored to the needs of individuals and businesses. Their offerings include personal, agricultural, business, life, Medicare, and health insurance, alongside financial planning and investment management services. The agency prides itself on its commitment to exceptional customer service, leveraging local knowledge to create customized solutions for clients. They also provide long-term care insurance, which helps cover costs associated with chronic medical conditions and daily living assistance. This positions them as a relevant option for clients considering long-term care solutions, although their broader focus on various insurance types may dilute their specialization in this area.


13. Berry Insurance Group, Inc.


Berry Insurance Group, Inc., founded in 2002 and based in Terrace Park, Ohio, is a private insurance agency that provides a wide array of insurance products. The company serves individuals, families, and businesses, focusing on personalized service to build lasting client relationships. Berry Insurance Group offers personal insurance, business insurance, employee benefits, and life insurance, which includes long term care options. They emphasize a tailored approach to risk management and asset protection, aiming to meet the unique needs of their clients. In 2020, Berry Insurance Group partnered with Brown & Brown Insurance, enhancing their capabilities with national strength while maintaining local service. This partnership allows them to leverage extensive resources and expertise in the insurance sector, positioning them to better address the evolving needs of their clients. Their commitment to ongoing education and professional development ensures that their team stays informed about industry changes and best practices.


14. BCA Insurance Group LLC

  • Website: bca-ins.com
  • Ownership type: Private
  • Headquarters: Perrysburg, Ohio, United States (USA)
  • Employee distribution: Indonesia 79%, United States (USA) 21%
  • Founded year: 2000
  • Headcount: 1-10
  • LinkedIn: bca-insurance

BCA Insurance Group LLC, based in Perrysburg, Ohio, is an independent insurance agency founded in 2000. The agency specializes in a wide range of insurance solutions, including personal, business, and employee benefits insurance. With a strong emphasis on customer service, BCA Insurance Group aims to protect clients from unexpected risks by providing tailored coverage options. The agency has established partnerships with over 20 carriers for property and casualty insurance and more than 50 carriers for life insurance, which includes long-term care insurance. BCA Insurance Group has received recognition in the industry, being named a Top 10 agency in Northwest Ohio by SIAA and receiving various awards for its performance in home and auto insurance. The agency prides itself on its independent status, allowing it to offer clients a variety of options and personalized service.


15. Lang Financial Group, Inc.

  • Website: langgroup.com
  • Ownership type: Private
  • Headquarters: Cincinnati, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 11-50
  • LinkedIn: lang-financial-group

Lang Financial Group, Inc., based in Cincinnati, Ohio, has been operational since 1974. With a team of approximately 37 employees, the company specializes in consulting and insurance services, particularly in employee benefits and individual insurance solutions. Their offerings include medical, life, dental, and long term care insurance, among others. Lang Financial Group prides itself on its ability to customize insurance plans to meet the specific needs of its clients, which has allowed them to assist thousands of businesses and individuals over the years. Their experience in the industry is complemented by a focus on community involvement and a commitment to providing comprehensive support to their clients. The firm operates without reported funding, indicating a stable, self-sustaining business model.


16. Hosket Ulen Insurance Solutions


Hosket Ulen Insurance Solutions is an independent insurance agency based in Dublin, Ohio, with a history dating back to 1968. The company was formed in 2009 when the Hosket family partnered with John Ulen, the previous owner of Ulen Insurance. They provide a comprehensive suite of insurance products, including personal, business, and employee benefits insurance. Their services extend throughout Ohio and across the United States, emphasizing risk management and asset protection. The agency prides itself on customer service and community involvement, aiming to build trust with clients. They are also affiliated with the Keystone Insurers Group, which enhances their capabilities as a national broker while maintaining a local presence. Their offerings include long-term care insurance, which is part of their employee benefits solutions, reflecting their commitment to addressing the needs of both individuals and businesses.


17. Business Underwriters Associates (BUA)

  • Website: buaweb.com
  • Ownership type: Corporate
  • Headquarters: Akron, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2022
  • Founded year: 1979
  • Headcount: 11-50
  • LinkedIn: business-underwriters-associates-2

Business Underwriters Associates, LLC (BUA) is an insurance brokerage based in Akron, Ohio, founded in 1979. The company specializes in providing a wide range of insurance products, including life, annuities, disability, health, Medicare, and long-term care solutions. BUA serves as a Brokerage General Agency (BGA), primarily supporting insurance professionals by offering resources, underwriting expertise, and competitive quotes. Their long-standing presence in the industry has allowed them to build a robust network and a wealth of knowledge, which they leverage to assist agents in meeting their clients' insurance needs effectively. BUA's commitment to enhancing the brokerage experience is evident in their array of tools and services designed to simplify the quoting process and improve client outcomes. They also provide specialized resources for long-term care insurance, helping agents navigate the complexities of this critical area of coverage. As a member of LIBRA Insurance Partners and an affiliate of BrokerNet, BUA has access to a broad spectrum of products and services that further enhance their offerings to agents and clients alike.


18. Ferneding Insurance

  • Website: fernedinginsurance.com
  • Ownership type: Family Owned
  • Headquarters: Dayton, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1911
  • Headcount: 11-50
  • LinkedIn: ferneding-insurance

Ferneding Insurance, established in 1911, is a family-owned insurance agency based in Dayton, Ohio. With a team of 16 employees, the agency has built a reputation for providing a wide array of insurance products, including personal, business, life, health, and disability insurance. Their commitment to customer service is evident in their approach to helping clients manage risks and protect their assets. The agency is operated by the fifth generation of the Ferneding family, who continue to uphold the values of ethical business practices and client respect. In addition to long term care insurance, they offer various health-related products, indicating their involvement in the insurance industry. Their historical significance in the community and ongoing dedication to client needs further solidify their role in the insurance sector.


19. The Gibson Agency, LLC.

  • Website: gibsonagency.com
  • Ownership type: Private
  • Headquarters: Girard, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1947
  • Headcount: 11-50
  • LinkedIn: gibsonagency

The Gibson Agency, LLC., based in Girard, Ohio, has been providing insurance solutions since 1947. This family-run agency specializes in a wide array of insurance products, including personal, business, and employee benefits insurance. They serve both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance offerings. The agency prides itself on exceptional customer service and works with over 20 different insurance providers to ensure clients receive the best coverage options tailored to their unique needs. Notably, The Gibson Agency includes long-term care insurance in its employee benefits portfolio, indicating its commitment to addressing the needs of clients planning for future healthcare costs. The agency is licensed to operate in 48 states, further enhancing its reach and relevance in the insurance market.


20. Wilson Insurance

  • Website: wilsoninsurances.com
  • Ownership type: Private
  • Headquarters: Montgomery, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1988
  • Headcount: 1-10
  • LinkedIn: wilson-insurance-group

Wilson Insurance, based in Montgomery, Ohio, is a family-owned insurance agency that has been serving clients since 1988. The agency specializes in a wide array of insurance products, including group health, life, and disability insurance, as well as individual solutions tailored to meet specific needs. With a strong emphasis on customer service, Wilson Insurance prides itself on helping clients navigate the complexities of insurance to find the best coverage options. They offer long term care insurance as part of their individual insurance offerings, demonstrating their involvement in this important area of financial planning. The agency operates primarily in Ohio, Kentucky, and Indiana, and has established a solid reputation for personalized service and ethical practices. Their independent agency status allows them to shop around for competitive rates and coverage, ensuring that clients receive tailored solutions. Wilson Insurance has not reported any funding, indicating that it operates as a self-sustaining entity.


21. HORAN Wealth

  • Website: horanwealth.com
  • Ownership type: Private
  • Headquarters: Cincinnati, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1948
  • Headcount: 11-50
  • LinkedIn: horan-wealth

HORAN Wealth, established in 1948 and based in Cincinnati, Ohio, is a financial services firm that specializes in wealth management, financial planning, and insurance solutions. With a team of approximately 47 employees, they cater to individuals, families, and businesses, providing personalized strategies to help clients achieve their financial goals. Their services include not only wealth management and estate planning but also life, disability, and long-term care insurance. This indicates their involvement in the insurance industry, particularly in providing safety nets for clients against unexpected events. HORAN Wealth emphasizes a consultative approach, ensuring that clients receive tailored guidance throughout their financial journey. They have protected over 5,000 individuals through life insurance plans and manage approximately $3.33 billion in assets, showcasing their significant presence in the financial advisory space.


22. Van Nostran Young Coutts

  • Website: vnyins.com
  • Ownership type: Private
  • Headquarters: North, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1979
  • Headcount: 1-10
  • LinkedIn: van-nostran-young-associates

Van Nostran Young Coutts is a private insurance agency based in North Canton, Ohio, established in 1979. The agency provides a comprehensive array of insurance products and services tailored to both businesses and individuals. Their offerings include business insurance, employee benefits, and personal insurance, with a notable emphasis on risk management and client service. The agency prides itself on understanding client needs and delivering customized insurance solutions. They also provide long-term care insurance among their personal insurance options, indicating some involvement in this sector. However, their primary focus appears to be broader insurance services rather than specializing in long-term care. The agency operates with a small team, which may limit their capacity to compete with larger firms that focus specifically on long-term care insurance.


23. CoverLink Insurance

  • Website: coverlink.com
  • Ownership type: Private
  • Headquarters: Bellefontaine, Ohio, United States (USA)
  • Employee distribution: United States (USA) 85%, Botswana 15%
  • Founded year: 1920
  • Headcount: 11-50
  • LinkedIn: hillandhamilton

CoverLink Insurance, established in 1920, is a private insurance agency based in Bellefontaine, Ohio. With a workforce of approximately 62 employees, the company has built a reputation for providing tailored insurance solutions to both individuals and businesses. Their offerings include personal insurance, business insurance, malpractice insurance, and health insurance, which notably features long-term care insurance. CoverLink prides itself on delivering personalized service and expert advice, ensuring that clients receive the protection they need for their assets and loved ones. The agency has a strong commitment to client satisfaction, as evidenced by their high retention rate, with over 94% of clients choosing to stay with them year after year. CoverLink operates multiple offices across Ohio, enhancing their ability to serve a wide range of clients in various locations.


24. Insurance Office of Central Ohio


Insurance Office of Central Ohio (IOCO) is a private insurance agency based in New Albany, Ohio, with a history dating back to 1923. The agency provides a wide array of insurance products, including personal and business insurance, life, health, and professional liability insurance. IOCO serves both individual consumers and businesses, helping them manage risks and protect their assets through tailored insurance solutions. With a team of 21 employees, the agency has established relationships with over 45 insurance carriers and is licensed to operate in all 50 states. Their commitment to client relationships is evident in their approach, which includes assigning both a producer and a customer service representative to each client. This ensures personalized service and support, particularly in navigating claims and coverage changes. IOCO's involvement in long-term care insurance is part of their broader life and health offerings, indicating their capability to address the needs of clients seeking coverage in this area.



Long Term Care Insurance Insights: Key Companies in Ohio


CompanyHeadquarterSizeFoundedOwnership
SSIP Insurance PartnersMansfield, Ohio, United States (USA)201-5002009Private
Diversified Brokerage Specialists, Inc.Blue Ash, Ohio, United States (USA)11-501946Private
American Insurnet AgencyCincinnati, Ohio, United States (USA)11-501993Private
Berson-Sokol Agency, Inc.Cleveland, Ohio, United States (USA)11-501973Family Owned
Hummel GroupBerlin, Ohio, United States (USA)51-2001957Corporate
Mitchell Insurance AgencyPlain Township, Ohio, United States (USA)11-501993Private
Postema Insurance & InvestmentsDefiance, Ohio, United States (USA)11-502005Private
CMS Insurance Agency, IncCincinnati, Ohio, United States (USA)1-101977Private
Gem-Young Insurance & Wealth AdvisorsCanfield, Ohio, United States (USA)11-501947Family Owned
Harding & Jacob Insurance, Member H.C. Murray GroupIndependence, Ohio, United States (USA)11-501932Private
Complete Solutions IncVandalia, Ohio, United States (USA)1-101994Private
Leugers Insurance Agency, IncMaria Stein, Ohio, United States (USA)11-501914Private
Berry Insurance Group, Inc.Terrace Park, Ohio, United States (USA)11-502002Private
BCA Insurance Group LLCPerrysburg, Ohio, United States (USA)1-102000Private
Lang Financial Group, Inc.Cincinnati, Ohio, United States (USA)11-501974Private
Hosket Ulen Insurance SolutionsDublin, Ohio, United States (USA)11-501968Private
Business Underwriters Associates (BUA)Akron, Ohio, United States (USA)11-501979Corporate
Ferneding InsuranceDayton, Ohio, United States (USA)11-501911Family Owned
The Gibson Agency, LLC.Girard, Ohio, United States (USA)11-501947Private
Wilson InsuranceMontgomery, Ohio, United States (USA)1-101988Private
HORAN WealthCincinnati, Ohio, United States (USA)11-501948Private
Van Nostran Young CouttsNorth, Ohio, United States (USA)1-101979Private
CoverLink InsuranceBellefontaine, Ohio, United States (USA)11-501920Private
Insurance Office of Central OhioNew Albany, Ohio, United States (USA)11-501923Private


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