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Our mission is to bring peace of mind to individuals and families in Minnesota who are concerned about their insurance needs. We provide unbiased independent research, analysis, and advice across multiple insurance options for senior adults, couples, and families. Need help navigating Medicare, life insurance, or other long term care insurance, annuities, or disability insurance options? You’ve come to the right place!
One Call is all it takes: When you choose Long Term Care Insurance Advisors for long term care insurance in Minnesota, you can be confident that you are working with an experienced and knowledgeable team of insurance brokers who will help you find the best insurance protection for your particular needs.
You never pay a penny for our service or our time. To read more about how we are paid, click here.
When it comes to long term care insurance in MN, our team has over three decades of experience. We have many specialists on our team including health insurance consultants, Certified Financial Planners (CFP), Certified Public Accountants (CPA), and attorneys (Esq) that support our business and our clients.
Being an independent brokerage, we only work with highly rated insurance companies that can offer superior products for our clients. We are always on the cutting edge with the latest and greatest insurance policies.
Whether you are just starting out in business, getting ready for Medicare, just married, or just retired, our team of long term care consultants and health insurance brokers in MN is ready to assist you. We will ask you a number of questions to make sure we understand exactly what you are looking for and your expectations.
Next, we'll put together a plan based on your criteria and provide you with options as well as guidance in understanding them. Our ‘Zoom’ meetings are a great way to meet and review our proposals. You are never required to come to our location since everything can be handled over the internet and by mail. Should you wish to visit our beautiful workplace, we would love to meet with you in person.
We often say in our office, “If everyone knew what we know, they would be lined up around the building to do business with us”.
Long Term Care Insurance Advisors specializes in understanding and evaluating insurance contracts. Whether you are purchasing
Or setting up non-qualified plans, college planning, etc., you’ll find that there are a wide array of restrictions and limitations.
Knowing which contracts offer greater flexibility will work to your advantage, and most often don’t cost you anything extra. Just minor words like “calendar” days vs “service” days could cost you tens of thousands of dollars at claim time.
As the premier health insurance advisors and long term care insurance advisors in MN, we can help you navigate your options and find the right insurance coverage for your needs. Our objective is to make sure you get the best policies with the broadest coverage at the very best price.
Every year insurance companies may revise existing contracts or develop totally new insurance contracts. For example, newly designed hybrid life insurance with living benefits has become a great alternative to traditional long term care insurance. A Medical Savings Account (MSA) for seniors on Medicare is now one of the most comprehensive Medicare plans available.
Non-qualified retirement plans can be a great way to avoid taxes and grow money. Indexing universal life policies have also changed to the client’s advantage. Annuities can now pay for long term care. Health Saving Accounts (HSA) are probably one of the most tax-advantaged plans ever.
All of these are relatively new to the market and we take the time to study these contracts.
NEW for 2022 are non-qualified tax planning accounts that allow you to grow your money truly tax-free and avoid most government restrictions. Account values can only go up and you’re free from any stock market risk.
Long Term Care Insurance Advisors is an independent insurance broker serving Minnesota and western Wisconsin residents and small businesses for the past 3 decades
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