Licenses
LTC Tree connects consumers with independent, state-licensed agents authorized to sell Long Term Care Insurance in all 50 states and the District of Columbia.
About LTC Tree
LTC Tree is an insurance referral service. We are not an insurance agency or brokerage, and we do not underwrite, issue, bind, or service insurance policies directly.
When you submit a quote request, we connect you with an independent insurance agent who is licensed in your state to sell Long Term Care Insurance and the related products offered by participating carriers.
Agent Licensing
All agents in the LTC Tree network hold active insurance licenses in the states where they transact business. Licensing is administered by each state's Department of Insurance.
You can verify an individual agent's license by searching the National Insurance Producer Registry (NIPR) at nipr.com or by contacting your state's Department of Insurance directly.
States Covered
We have licensed agents available to help consumers in all 50 states and the District of Columbia. State-specific information, including Partnership programs and carrier availability, is organized on our Long Term Care by State page.
Carrier Partners
Agents in our network represent multiple top-rated insurance carriers. Carrier availability varies by state, product, and agent appointments. Your agent will disclose which carriers they represent at the time of your consultation.
LTC Tree does not receive direct compensation from insurance carriers. Agents earn standard commissions from the carriers whose policies they place, which does not increase your premium.
Questions or Concerns
To verify licensing, report a concern, or request carrier and agent details in writing, contact us at info@ltctree.com or (800) 800-6139.