Long-Term Care Insurance Brokerage—Solutions for Every Client and Advisor

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Turn a Challenging Conversation Into an Opportunity to Protect

Long-term care insurance can feel like a tough sell—premiums are high, benefits complex, and clients often hesitate. But with the rising costs of care and an aging population, helping clients plan for LTC is more important than ever. Diversified Brokerage Specialists empowers agents to start informed, confident conversations, offering flexible solutions and the support you need to protect every client’s assets and dignity.

Comprehensive Long-Term Care Planning—Traditional and Hybrid Options

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Traditional Long-Term Care Insurance

Standalone LTC policies provide robust coverage for nursing care, home health, and assisted living. Ideal for clients seeking maximum leverage and dedicated care protection.

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Asset-Based & Hybrid LTC Plans

Life insurance or annuity contracts with LTC riders—these plans let clients leverage their assets for care and retain value even if LTC benefits aren’t used. Great for those worried about “use it or lose it.”

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LTC Riders on Life & Annuity Products

Flexible LTC benefits built into select life or annuity policies, offering an extra layer of protection as part of broader financial planning.

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When and Why to Offer LTC—Key Talking Points for Agents

01.

A Growing Need

Nearly 70% of people turning 65 will require some form of long-term care. Without coverage, families may spend down assets or struggle to afford needed support.

02.

Traditional vs. Hybrid

Traditional LTC maximizes care leverage but may require ongoing premiums; hybrids use existing assets, can return value to heirs, and often provide streamlined underwriting.

03.

Planning for Couples

Special discounts and joint policies are available—DBS helps agents compare and select the best options for married clients.

04.

Customizing for Budget

Plans can be tailored with benefit periods, inflation riders, and elimination periods to fit every client’s budget and concern.

Access the Full Spectrum of LTC Carriers and Solutions

DBS is appointed with industry leaders in both traditional and hybrid LTC—including Mutual of Omaha, National Guardian Life, OneAmerica, Securian, and Lincoln. Whether your client prefers classic stand-alone coverage or an asset-based plan, we help you match needs, health, and budget to the right solution.

Expert Guidance and Tools to Simplify Every LTC Sale

01.

Training & Sales Support

Get talking points, product comparisons, and help with objections—plus ongoing updates as products and regulations change.

02.

Quoting & Needs Analysis Tools

Access calculators and cost-of-care reports (including links to Genworth’s Cost of Care Survey) to illustrate the real impact for clients.

03.

Case Design & Application

Our team assists with joint plans, inflation protection, and partnership state rules, plus handles paperwork and carrier coordination from start to finish.

Long-Term Care Insurance—Agent FAQs

  • Why do so many clients hesitate on long-term care insurance?

    Concerns over cost and “use it or lose it” are common. Asset-based and hybrid plans address these by returning value even if care isn’t needed.

  • What’s the difference between traditional and hybrid LTC?

    Traditional LTC maximizes benefit for care but has ongoing premiums; hybrids use single-pay or limited-pay funding, offer value if not used for care, and can integrate with broader estate planning.

  • How do I know which LTC solution fits my client?

    DBS helps you assess needs, assets, and goals—then delivers custom quotes, side-by-side comparisons, and tailored recommendations.

  • Are LTC products available for clients with health issues?

    Some hybrid and short-pay LTC plans have more flexible underwriting. Our team helps you identify carriers with suitable programs.

  • Can I get resources to help start the LTC conversation?

    Yes—DBS provides cost-of-care brochures, conversation guides, and personalized reports to make LTC approachable for every agent and client.

Help Clients Protect Their Savings and Independence—With the Right LTC Solution

Diversified Brokerage Specialists gives agents the products, tools, and guidance to make long-term care planning a valued part of their service.