Company Profile


Long Term Care Insurance Advisors is an independent insurance broker serving Minnesota and western Wisconsin residents and small businesses for the past 3 decades.  We take great pride in helping people address their insurance needs, whatever they may be, by providing solutions that always need our two most critical criteria:  suitability and affordability.

We never charge you a fee for our services.  We are paid a commission by the insurance companies for helping you if we place one of their products.  And, you can’t buy any of the insurance products we offer for one penny less by walking up to the insurance company yourself, since rates are fixed annually with the state of Minnesota.

Our firm specializes in the Life Insurance, Medicare, Annuities, Health Insurance, Long Term Care, and Retirement Planning fields.  Our team has over 100 years of combined experience in insurance, legal, and financial planning services.  They are excited to be able to work with you and present solutions to address your concerns.

The insurance industry continues to evolve each and every year.  New products are introduced frequently like living benefits life insurance.  New Medicare plans like Medicare Medical Savings Accounts (MSAs) were first introduced to Minnesota in 2020.  New non-qualified retirement plans can grow your money tax-free by indexing the stock market and can never produce a negative return.  These plans are very safe and secure to protect your retirement.  Our annuities products can also index the stock market so you can get a reliable income stream to meet your needs.

Clients and prospects alike have the option to visit our office for a face-to-face meeting, use the phone for a teleconference, or meet us cybernetically using technology such as Zoom to host a virtual meeting.  We also maintain a pet-friendly office and your pet will have a chance to meet Hunter, our security officer, should you bring them along to your meeting.

We contract with dozens of insurance companies who have solid reputations for offering quality, competitive products and customer service.  As a one-stop shop, we are able to “scour the market” to seek the best product(s) to meet your needs.  This service provides real value and saves lots of time and effort by simplifying the entire process.

We also offer free online quotes on our website for Long Term Care and Health Insurance for those who wish to compare or just “kick the tires”.

Finally, we are most proud of the fact that our clientele keep coming back year after year.  Not only do we retain over 96.8% of clients year over year, we also attract many new clients who are referred in by our client base who have enjoyed working with us.  We value each and every client and strive to keep them happy.  We are very grateful because we know that clients make us who we are and without them, we cease to exist.  Thank you, clients!


To professionally and skillfully provide suitable and affordable insurance solutions that successfully address a variety of client issues, problems, and risks for those whom self-insurance is not an option.

Long Term Care Insurance Advisors is an authorized independent agency for Blue Cross and Blue Shield of Minnesota, an independent licensee of the Blue Cross and Blue Shield Association.