_logoimg_ Jeff Napel - Home A Partner with LTC Financial Partners, LLC  
Why Us?
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Our Background
Our National Organization
Our Insurance Carriers
Organizations Served
Our Affiliates

 

 
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Our Insurance Carriers

Because we act as an independent broker, we are not obligated to any particular insurance company, allowing us to be entirely objective in which one we recommend. We are free to match your specific circumstance to the most appropriate company.

We continually go through a rigorous investigation and screening process to determine the top choice in companies.

The following are our current Top Ten insurance carriers.
Selection is based on --

  • Ratings with AM BEST & Standard and Poor
  • Financial strength and claims payment history
  • Number of years in the market
  • Competitive benefits and premiums
  • Exceptional customer service
Carriers We Represent

Partner Relationships are Everything to Us ~

LTC Financial Partners is committed to building relationships with the carriers we represent. Here are three carriers we have chosen to partner with to maximize our share profitability and long term future profitability. They are without question among the finest in the industry. logo

MedAmerica ~ MedAmerica Insurance Company (Home Office: Pittsburgh, PA) and MedAmerica Insurance Company of New York (Home Office: Rochester, NY) are the long term care insurance subsidiaries of a $4.5 billion nonprofit health insurer. MedAmerica has built a solid reputation as an industry leader by offering innovative, flexible, comprehensive products at competitive rates to employers, affiliations and individuals. With long term care its singular focus, MedAmerica is a leading insurer of employer groups.logo

MetLife ~ MetLife became a leader in this industry through marketing to groups and associations. In the individual market they have become a strong leader because they have an excellent product that is flexible and well priced. They have strong financial ratings and have never raised rates on existing in-force policies.logo

John Hancock ~ Experience, commitment, financial strength and stability are no doubt at the top of your list. John Hancock has all these qualities and more, especially since its successful merger with Manulife Financial Corporation in 2004. Add to that, John Hancock’s 95% brand awareness, the financial strength of our international parent company, and many years of consistent growth in all long term care markets - you get a leader that is now better than ever.

Other Carriers We Represent ~
In addition, to fully service our clients we have access to many other excellent carriers, including Allianz, Penn Treaty, Physicians Mutual and Prudential Financial. We can access whatever carrier you need to most effectively serve your clients.

Many brokers and third parties, such as associations, offer limited policy choices from a single carrier. To secure the best coverage for your situation at the best rate, you need an independent, state-certified agent offering access to multiple carefully-selected, A-rated carriers.

> CLICK HERE to contact us with questions about your specific situation.


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Jeff Napel
 A partner with America's most experienced
long term care insurance brokerage
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