See How Much Leverage
Your Assets Can Create
Hybrid LTC products can turn savings, CDs, or annuities you already own into multiples of long-term care coverage. Take our 2-minute quiz to see what's possible for your situation.
We compare options from leading carriers (availability varies by state)
Chance you'll need care
Avg. annual nursing home cost
Average care duration
Medicare pays for LTC
How It Works
Our simple 4-step process helps you find the best long-term care coverage without the confusion
Share Your Goals
Tell us about your situation, budget, and care preferences
We Investigate
We compare every carrier to find the best rates and benefits
Review Options
See side-by-side comparisons of your top 3 policy options
Plan With Confidence
Secure your care plan knowing you have the best coverage
Choose Your Path
Select the option that works best for you
Estimate Your Coverage
How much coverage do you need? Use our calculator to find out based on your situation.
Get Estimate →Calculate my LTC Benefit
Answer a few quick questions to find your ideal coverage type and budget range
Calculate my LTC Benefit →Talk to an Expert
Schedule a call with one of our LTC specialists. Ask questions, get personalized advice.
Schedule a Call →Why Families Choose Us
Independent, objective, and unbiased advice
We Tell You the Truth
We don't hide anything or avoid conversations about costs, fine print, or when you shouldn't buy a policy. As an independent agency, we're not tied to any single company—our only loyalty is to finding you the right coverage.
- ✓Full fee and commission transparency
- ✓Honest assessment of whether LTC is right for you
- ✓No high-pressure sales tactics
Straight Talk, Always
About expertltc
With over 30 years of combined experience specializing exclusively in long-term care insurance, our team has helped thousands of families secure their futures. As a truly independent agency, we work with leading carriers to find you strong coverage options—not just the ones that pay the highest commissions.
Independent
Not tied to any single carrier—we work for you, not insurance companies
Specialized
30+ years focused exclusively on long-term care insurance
Client-First
We recommend what's right for you, even if that means no policy at all
Frequently Asked Questions
Ready to Protect Your Family?
Take the next step with a free, personalized comparison. See quotes from leading carriers and find the coverage that fits your budget.