Most insurance agents build a career around products many potential clients already have.
Long-term care insurance is different.
As many as 75% of seniors will eventually need long term care, but only about 10% have long term care insurance. This means that there is a massive opportunity for those that are interested in selling a product that people genuinely need.
LTCR Pacific has built its business providing long term care insurance to seniors since 1997, and it’s why we’re looking for agents to grow with us, whether that means selling LTC insurance directly or simply referring the cases you’re not set up to handle yourself.
Call (800) 499-0067 or reach out through our team to talk through which path fits. Both are open right now.
Two Ways to Work With Us
LTCR Pacific is “hiring” long term care insurance agents in two different ways:
- Become an Appointed LTC Producer — Get licensed and appointed to sell long-term care insurance directly, with carrier access spanning more than two dozen national LTC providers, hands-on training as you go, and better premiums for clients generated through our longstanding relationships with hundreds of university alumni groups and professional associations. This path fits agents who want LTC insurance to become a genuine part of their practice, not just an occasional referral.
- Refer the Case and Split the Commission — If you already have clients who need long-term care insurance but you’d rather not build out the licensing, training, and carrier appointments that go with it, bring the case to us. Our team handles the conversation, the underwriting, and the paperwork, and you share in the commission on a case you would have otherwise let walk out the door.
Plenty of agents start in the second category and move into the first once they see how often the conversation comes up. Others stay exactly where they are, sending us a handful of cases a year and letting our specialists handle the rest.
Why Long-Term Care Insurance Belongs in Your Book
About 10,000 Americans age into Medicare every day, and most of them are years away from having an answer for what happens if they need extended, hands-on care later in life. Medicare covers rehab and short-term skilled nursing. It stops well short of custodial care, the kind that lasts for years and costs the most.
Clients already sitting across from you, working through a Medicare supplement, an annuity, or a life policy, are often one direct question away from that exact conversation. Most agents skip it, not out of neglect, but because it falls outside what they normally sell. The families who do get asked tend to remember who brought it up first.
Why Work With LTCR Pacific Specifically
Plenty of agencies will appoint you with LTC carriers. Fewer are built the way LTCR Pacific is.
- Direct Access, Not a Chain of Command — Questions about underwriting, plan design, or a specific client’s health history get answered by someone reachable right away, since LTCR Pacific runs as one central office instead of layers of regional management.
- Commission Built to Reward Production — Contracts are structured to pay near the top of the scale, with renewal income vesting immediately instead of accruing slowly over years of tenure.
- Introductions, Not Cold Lists — Longstanding relationships with hundreds of university alumni groups and professional associations turn into warm, endorsed leads instead of a stack of names to dial.
- A Role Built Around Flexibility — Much of the work happens remotely, on hours that flex around whatever else is already on an agent’s plate.
Both paths give you access to the same carrier relationships and case support. What changes is how much of the work you take on yourself, and how much you hand to a team that’s been doing this since 1997.
Join Our Team – LTC Insurance Jobs Waiting for You
Whether you’re ready to get appointed and build a long-term care specialty, or you’d rather send us the cases you already have and split the commission, the first step is the same conversation. Call (800) 499-0067 or connect with our team to talk through what fits your practice right now.