Long-term care insurance is one of the most consequential financial decisions a person makes, and one of the most complex. The policies, carriers, and coverage structures vary significantly — and the decision of when to buy, what to buy, and how much to buy has lasting consequences for both the policyholder and their family. LTCR Pacific was built specifically to help people navigate that decision with the guidance of specialists who work in this market every day.
Founded in 1997 and headquartered in Thousand Oaks, California, Long Term Care Resources Pacific Agency – LTCR Pacific – is one of the leading independent long-term care insurance agencies in the country. Since 1997, our team has helped over half a million members with their long-term care planning needs.
Who We Are
LTCR Pacific is an independent, specialized insurance agency focused exclusively on long-term care insurance and the senior market. Unlike general insurance agencies that treat long-term care as one product among many, our team’s expertise centers on it. Our agents know the carriers, know the policy structures, know how coverage plays out at the time of a claim, and know how to match a client’s specific situation to the coverage that actually fits.
The team at LTCR Pacific carries a combined 200 or more years of experience in long-term care insurance. Our agents are licensed across more than 30 states, which means we serve clients throughout the country — not only locally in California. For clients who have relocated, whose families are spread across multiple states, or who simply want access to specialists rather than generalists, our national reach matters.
What Independence Means for Our Clients
LTCR Pacific operates as an independent agency, which means we are not captive to any single carrier. We monitor benefit and rate information across 25 or more carriers in the long-term care insurance market and represent only the ones we consider best in class — those with financial stability, strong claims histories, and a demonstrated commitment to the long-term care market.
For clients, this independence translates directly into better outcomes. Rather than presenting the single product a captive agent is authorized to sell, we compare multiple policies across multiple carriers and identify what provides the best value for the client’s specific age, health, budget, and coverage goals. If a client has already been quoted by another agent, we can analyze that policy and compare it against other options — at no cost and with no obligation.
Our Carrier and Organization Relationships
LTCR Pacific is an exclusive, endorsed, or supported long-term care insurance provider for more than 650 affinity organizations, including professional associations, alumni groups, and universities. Those partnerships give members of those organizations access to coverage at discounted group rates that are not available to the general public — rates that reflect the purchasing power of the organization rather than an individual buyer.
Our relationships with carriers give us access to wider and simplified underwriting criteria in some programs, which means more clients can qualify for coverage and in some cases at lower premiums than through direct or retail channels. Being among the largest independent long-term care insurance agencies in the country also means carriers actively seek us out to represent their products — which gives us the position to be selective about which carriers and products we offer.
The Products We Work With
Long-term care insurance has evolved considerably over the past decade, and the range of products available today is broader than most people realize. LTCR Pacific works with the full spectrum of coverage options, including:
- Traditional Long-Term Care Insurance — Standalone LTC policies that provide a benefit pool for covered care expenses, available in reimbursement and indemnity structures, with a range of benefit periods, elimination periods, and inflation protection options.
- Hybrid Long-Term Care Insurance — Life insurance or annuity-based products that combine a death benefit or guaranteed return of premium with a long-term care benefit pool. Hybrid products always pay a benefit — whether through long-term care claims, death benefit, or cash surrender value — which addresses the concern many clients have about paying premiums for coverage they may never use.
- Life Insurance — Permanent and term life coverage selected and placed by agents who understand how life insurance fits alongside long-term care planning in a complete financial picture.
- Annuities — Fixed and income annuities that provide predictable income in retirement, often used alongside long-term care coverage as part of a broader retirement income strategy.
- Medicare Supplement Insurance — Coverage that fills the gaps Medicare leaves, placed by agents who understand where Medicare stops and where supplemental coverage becomes essential.
Our agents help clients understand how these products work, how they compare, and which combination makes the most sense for their situation — without pushing toward any single product or carrier.
How We Work With Clients
Every client conversation at LTCR Pacific starts with an assessment of the specific situation — current age, health status, budget, family circumstances, and goals for the type and level of care the client hopes to access. From there, our agents present options across multiple carriers, explain the differences in plain language, and work through the application and underwriting process with the client from start to finish.
We do not sell policies and disappear. Our team supports clients through underwriting, policy issuance, and — when the time comes — the claims process. For clients who purchased their policy elsewhere, we also offer assistance navigating the claims process to help maximize the benefits they are entitled to.
LTCR Pacific is headquartered at 100 E. Thousand Oaks Blvd., Suite 186, Thousand Oaks, CA 91360, and is a member of the Greater Conejo Valley Chamber of Commerce. Our agents serve clients in more than 30 states across the country.
To speak with a long-term care insurance specialist, call (800) 499-0067 or reach out through our contact form.