Long-Term Care Insurance

Cover the care your clients will likely need

Traditional, asset-based, and rider-driven long-term care solutions ... placed with top carriers and backed by a team that runs the case with you.

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01 · Why it matters

Long-term care for life's unknowns

A 65 year old today has an almost 70 percent chance of needing some form of long-term care service. That is a hard conversation for many agents to open. It does not have to be. We help you frame the need and design a solution that fits the client in front of you.

Traditional, hybrid, and rider coverage Top long-term care carriers Carrier selection and quoting support Single agents and large agencies

02 · The options

Three ways to solve the need

There are three paths you and your clients can explore to address long-term care. Each carries a different trade-off between cost, flexibility, and what happens if the care is never needed.

TR Traditional Long-Term Care

Stand-alone LTC policies. The most flexible option, customizable to the client to help control cost. Coverage pays only in the event of a long-term care need, and premiums are typically higher. Best for clients who have no need for life insurance, prefer less cash-flow-intensive premiums, and are inflation sensitive.

AB Asset-Based Long-Term Care

Hybrid policies that provide LTC coverage and a death benefit. Ideal for clients who want protection against stand-alone LTC cost but also need a death benefit, and who can fund on a limited-pay or single-pay basis. Any LTC benefits paid out reduce the death benefit.

LR Life Insurance with an LTC Rider

Life policies with an optional or built-in long-term care rider. The primary purpose is still the death benefit, with LTC coverage added, often at a reduced cost. Best for clients focused on leaving a legacy who still want LTC protection. As with asset-based plans, LTC claims reduce the death benefit.

03 · Who it fits

Match the plan to the client

The right structure comes down to what the client already owns, how they want to pay, and what they want to happen to the money if care is never needed. Use these as your starting read.

No life need, cost-sensitive ... traditional Wants a death benefit too ... asset-based Can fund single or limited pay ... asset-based Legacy-first, LTC as a bonus ... life with rider Inflation sensitive ... traditional Wants premiums that do not disappear ... hybrid

04 · How we support the case

A full back office behind every LTC case

As a managing general agency, Brokers Alliance offers a complete customer service program ... built for the single agent and the large agency that needs full back-office support for their long-term care clients. We have maintained close working relationships with the top long-term care carriers for traditional, hybrid life, and annuity-based coverage.

01 Carrier selection

Our long-term care staff works to give you the best advice on which carrier fits the client and the case, drawn from our relationships with the top long-term care carriers.

02 Quoting

We run the quotes and help you compare structures side by side so the recommendation you take to the client is grounded, not guessed.

03 Progress reports

We keep you informed through underwriting and placement, so you always know where the case stands without chasing it.

04 Placement track record

A successful record of placement with top carriers is what lets us stand up a complete service program around your LTC business.

Ready to write more long-term care?

Independently owned since 1982 and built to serve agents, agencies, and other IMOs. Get contracted or call the team at (866) 872-9394.

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