LTC Financial Solutions, LLC Long Term Care Insurance Review

Rating: 9.8 / 10 (Excellent)
2 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 2003, LTC Financial Solutions is an online long-term care insurance marketplace bringing together insurance specialists with over 65 years of experience in the industry to deliver a high level of expertise in LTC policies, valuable insurance information, and products that are affordable and easy to understand.

How is LTC Financial Solutions rated?


Claims & Benefits
Policies & Coverage
Financial Strength

Overall Rating: 9.8 / 10 (Excellent)

LTC Financial Solutions is a long-term care insurance marketplace with over 60 years of experience in the industry. The company is committed to educating their customers through valuable information on insurance products and asset protection, while helping them obtain long-term care insurance coverages tailored to their individual needs. LTC Financial Solutions carefully selects the best plans from the most highly-rated carriers in the industry, thus ensuring product quality and customer satisfaction. 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 - 9.8 / 10

LTC Financial Solutions offers a broad range of long-term care insurance policies including nursing home care and adult daycare, as well assisted living facility, and home health care coverages. These products are mainly offered through Genworth Financial, yet other carriers may also offer other types of policies, services, and plan riders. Those interested in purchasing long-term care insurance from LTC Financial Solutions should contact the company for further details about the types of care they cover.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
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

Claims & Benefits

Claims & Benefits - 9.7 / 10

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 can commence. 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?
Elimination Period
30 Day Minimum
Eligibility Requirements
Activities of Daily Living Limitations

Financial Strength & Ratings

Financial Strength - 9.8 / 10

As an online Marketplace, FTC Financial Solutions does not have financial ratings with any of the major U.S. credit rating agencies. However, the company does work with top-rated insurers like Genworth Financial, which has been offering quality life insurance products for over 40 years. Other carriers currently offering their products through LTC Financial Solutions are John Hancock, LifeSecure Insurance Company, MassMutual, Mutual of Omaha, Transamerica Life Insurance, and American General Life, among others.
Moody's Financial Rating
AM Best Financial Rating
Standard & Poor's Financial Rating
*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

Reputation - 9.9 / 10

LTC Financial Solutions is a Better Business Bureau-accredited company with an A+ rating. Although they have yet to receive any customer feedback on that and other independent, impartial consumer review sites, clients who have previously worked with the company attest to their commitment to providing knowledgeable service and quality coverages from leading carriers.
BBB Rating
Date Collected

Contact & Additional Information

Company Type
Homepage URL
Company Phone
(877) 380-8800
Headquarters Address
5471 W. Waters ave, Ste 300, Tampa, FL, 33634

Top Rated
Our Partner
9.8 / 10
  • A+ score, BBB-accredited
  • 65 years experience
  • Well connected broker with many long term care providers, offering comprehensive, affordable coverage plans
  • Protects your assets with tax-free benefits
  • Eligibility: Ages 45-79, $100k+ net worth, in good health

Latest LTC Financial Solutions Reviews

G. M
Niceville, Florida

Contacted LTC for a quote. Arriel responded with a requested phone appointment to discuss with Steve Shea. I had to call him; they didn't call me at the appointment time. Steve started working up pro-forma quotes and stated that I was located in Iowa. As I had filled out a initial questionnaire with my address, I expressed my concern about the accuracy and efficiency of their administrative system. He seemed not pleased with this critique. He then promised he would send me a spreadsheet with comparative quotes in the next 24 to 48 hours. That was Dec. 1st. I informed Arriel that I had not received any of the promised quotes the next day. It is now Dec. 5th. ----- Nothing. I would... Read More

Jack S
Phoenix, Arizona

Can I given them no stars? I submitted a request for more information and got bombarded with calls from pushy salesmen.