Welcome to LTC Solutions

At LTC Solutions, a division of Central States Financial Insurance, Inc. it is our mission to market, sell and promote quality Long-Term Care Insurance that meets or exceeds the customer’s expectations at the time of utilization. Our ultimate goal is to provide the highest degree of core competence in issues affecting chronic health care planning and long-term care financing. We conduct business in all 50 states and represent top rated long-term care insurance carriers.

For over 30 years, LTC Solutions has been providing state of the art solutions to meet the long-term care needs of thousands of producers and consumers.  Our history is rich in marketing only top of the line quality products from companies committed to the Long-Term Care market.  We believe that more than any other dedicated agency, we have established and maintained daily relationships with the chronic care provider industry.  We follow each claim to assure that the benefits promised at the point of sale are readily available at the time of need.

Long Term Care is an issue facing more than 70 percent of Americans that are over the age of 65, it is an issue that cannot be ignored as it will happen to the greater majority of us. It effects 1 out of every 2 women and 1 in 3 men.You have purchased insurance to protect your home, car, life, etc. and now it is time to take the next step and protect your retirement and future. Long-term care insurance is designed to protect you from losing the assets you have accumulated over the course of your life. You are able to maintain your independence and it protects you from being a burden to your loved ones. Long-term care insurance helps cover the cost of care in your home or in a facility setting. Long-Term care insurance should be an intricate part of your estate planning.

LTC Solutions has created this consumer website for you to learn about long-term care and long-term care insurance. Information such as; who pays for long-term care, how to become eligible for benefits, state partnership programs, the cost of long-term care, is long-term care insurance for you, and much more are all available right here in this web-site.

After you have reviewed this website please take a few moments to complete this secure form. This information will assist us in finding a long-term care insurance company that best fits your needs. Long-term care insurance is not a one policy fits all. We are here to help you! You will receive free, no obligation quotes and have the opportunity to work with an experienced agent in your area. Based on your preference, you will be able to work with an agent either in person or over the phone and via email, either choice can be accomplished within the privacy of your own home. Best of all, you do not have to shop around. We represent only the leading long-term care insurance companies and we are able to do the shopping around for you!