We are a managed general agency specializing in long-term care solutions. We are here to help you succeed in the long-term care marketplace. We welcome the opportunity to earn your respect and confidence. The more you know about Heartland LTC, the sooner we will be working together!
- Long-term Care Insurance
- Short-Term Care
- Medicare Supplements
- Linked Benefits - Life/LTC
- Hybrids/Linked Benefits
Long-term Care Insurance
Long-term care insurance, or LTCi, helps provide for the cost of medical care beyond what is generally covered by typical health insurance plans, Medicare, or Medicaid.
It can provide coverage for care in the home, assisted living, or nursing home facility.
LTCi plans can provide benefits anywhere from 2-6 years, up to life.
Linked Benefits - Life/LTC
These plans provide two forms of protection in one policy. Depending on the carrier, both recurring-premium and single-premium plans are available. Because the plan incorporates life insurance, these policies pay a death benefit to the insured’s beneficiaries. They differ from life-insurance-only policies in that through an “optional rider”, the base policy benefit can be used as long term care benefit protection. These policies can be sold with flexible premium payments including everything from single pay, scheduled adjustments, or life-pay.
Hybrid plans are similar to Linked Benefit plans except that instead of a rider, the LTC platform is integrated directly into the product’s chassis. Often requiring a single-premium or short-pay, Hybrids provide more LTC benefits than Linked-Benefit plans through the use of a second pool of money exclusively for LTC benefits.
I’m very happy with the service and support received from Heartland LTC. They are very knowledgeable about long-term care solutions available in today’s market.
Heartland LTC has served as my “go to” firm for Long-Term Care Insurance for over 15 years. Their professionalism, prompt service and extensive knowledge of insurance products and processing has helped me develop and expand my business and my practice