2415 E Camelback Rd Suite 700 Phoenix, Arizona 85016

Welcome to Heartland LTC

Who We Are

Heartland LTC is here to help you build your LTC business.

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!


Ready to help you with all your presale and new business needs.


Webinars, Live Training Sessions, and One-on-One Training available.

Stay Current

Stay up on the latest marketplace trends with Heartland LTC.

Our Insurance Lines

We believe to succeed you need to have more than one arrow in your quiver. We have several… each with its own unique way of solving the problem of paying the cost of care. Take a look at a few of the areas we work in below

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.


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Short-Term Care

Short-term care insurance, or STCi, helps provide for the cost of medical care beyond what is generally covered by typical health insurance plans, Medicare, or Medicaid, but in the short term only.

STCi plans usually provide benefits for 360 days.


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Medicare Supplements

Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like: Copayments. Coinsurance. Deductibles.


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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.


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Hybrids/Linked Benefits

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.


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What people say about us

Jane Ceasor Ceasor Insurance Consultants

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.

Stan Israel Stan Israel Insurance Services

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

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