About Consumer Choice LTC
An independent guide to Long-Term Care Insurance specialists
Updated
What We Do
Consumer Choice LTC is an independent guide to Long-Term Care Insurance specialists. We rank and compare licensed professionals who help consumers find the right LTC coverage for their unique situation. Whether that's a traditional policy, a hybrid product, or a short-term cash indemnity plan.
Each specialist listed on our site represents multiple insurance carriers and provides free, no-obligation quotes. Our goal is straightforward: help you find the right person to talk to about long-term care planning.
How We Rank Specialists
Our rankings are based on three factors:
- 1 Specialization depth — what types of LTC products each specialist focuses on (traditional, hybrid, partnership-certified, short-term)
- 2 Carrier access — how many insurance companies they represent and how broad their product offerings are
- 3 Consumer demand — annual request volume, reflecting how many consumers choose to work with each specialist
No specialist pays for placement. Rankings reflect our independent assessment of who offers the most value in their area of focus.
How to Get Quotes
Every specialist on Consumer Choice LTC offers free quotes with no obligation. Here's how it works:
- 1 Browse the specialists listed on our homepage
- 2 Choose one based on what they specialize in and who they're best for
- 3 Click through to their site and request a quote
- 4 The specialist provides personalized options based on your age, health, and budget
You deal directly with the specialist you choose. Consumer Choice LTC does not collect your personal information or share your data with any provider.
Why Long-Term Care Insurance
Most people will need some form of long-term care. Medicare doesn't cover extended care costs, and paying out of pocket can deplete retirement savings quickly. LTC insurance helps protect your assets, your income, and your family's financial stability.
The right time to look into coverage is before you need it — premiums are lower and more options are available when you're healthy. The specialists on this site can help you understand what's available and what fits your situation.