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Rating: 9.4 / 10 (Excellent)
2 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 2003 and based in Tampa, Florida, LTC Financial Solutions is a long-term care insurance marketplace that offers expertise in LTC policies and hybrid LTC/life insurance coverage.
 
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How Do We Rate LTC Financial Solutions?

Breakdown

4.7/5
Benefit Limits
4.7/5
Policies & Coverage
4.5/5
Customer Service

Our Overall Rating: 4.7 / 5 (Excellent)

LTC Financial Solutions is a long-term care insurance marketplace that stands apart from others in the business by providing a wealth of valuable information on insurance products and asset protection while helping them obtain long-term care insurance coverage tailored to their individual needs. LTC Financial Solutions doesn't disclose which insurers it partners with, though there is a link to National Guardian Life Insurance Company on its website. That insurer has been in business since 1910 and is well-respected in the industry. Those new to the concept of long-term care insurance may benefit from contacting LTC Financial Solutions, a company with extensive industry experience and highly-trained, professional insurance agents ready to guide them every step of the way.

Policies & Coverage

Policies & Coverage - 4.7 / 5

LTC Financial Solutions offers a broad range of long-term care insurance policies including nursing home care and adult day care, as well as assisted living facility, and home health care coverages. These products are offered through Mutual of Omaha, Aetna, and NGL, and other carriers who offer other types of policies, services, and plan riders.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Facility Coverage
Any Facility
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Available Discounts
Partner / Household
Preferred Health
Multi-Policy

Claims & Benefits

Benefit Limits - 4.7 / 5

All long-term care insurance policies stipulate certain conditions that must be met before policyholders are eligible to receive benefits. Most plans will require that covered individuals have limited cognitive ability, mobility, or difficulty with activities of daily living such as eating, dressing, bathing, and personal care, before benefits will be paid. Required qualifications vary depending on the carrier and the policyholder's health and circumstances.
Maximum Daily Benefit Limit
Varies by Provider
Unlimited Lifetime Benefit Period?
Yes
Elimination Period
Eligibility Requirements
Activities of Daily Living Limitations

Financial Strength & Ratings

Financial Strength - 4.9 / 5

As an online Marketplace, LTC Financial Solutions does not have financial ratings with any of the major U.S. credit rating agencies. Since it's vitally important for long term care insurers to be financially secure so that they can pay out claims well into the future, consumers considering long term care coverage should check out the ratings of any insurer recommended to them by consulting Standard & Poor's, Moody's, A.M. Best, and other rating services.
Underwriter
Genworth
*The above information reflects the financial strength of the underwriter of the LTC Financial Solutions long term care insurance policies: Genworth.
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: Genworth.

LTC Financial Solutions Reputation

Customer Service - 4.5 / 5

LTC Financial Solutions is a Better Business Bureau-accredited company with an A+ rating. Clients who have previously worked with the company attest to their commitment to providing knowledgeable service and quality coverages from leading carriers. Consumers are also advised to look at the BBB other customer service ratings for any insurers they are considering doing business with.
BBB Rating
A+
Date Collected
2019-10-10

Contact & Additional Information

Company Type
Marketplace
Homepage URL
http://ltcfinsol.com/
Company Phone
(877) 380-8800
Headquarters Address
5471 W. Waters ave, Ste 300, Tampa, FL, 33634
Top Rated
Our Partner
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BBB-accredited with an A+ score

  • Best for ages 55-70, $100k+ net worth, in good health
  • Comprehensive, affordable plans
  • Protects your assets with tax-free benefits
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Latest LTC Financial Solutions Reviews

Jennie V

1/5/2025
I am looking for ltc for when I might need the care. I want to be prepared for that day so I am not a burden on my children.

T
Tom M

8/22/2018
Great experience! I was called by a very nice lady to setup an appointment for the agent. Brian called me the next day right on time and we had a good conversation about my needs. Brian then had to check with a few carriers on my medical issues before quoting me., but called me back with in an hour and I got a application started with him. Easy, no hassle all on the phone! Tom M. Buffalo, NY

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