Our Philosophy The Corporation for Long-Term Care Certification (CLTCC) believes that an essential role of any insurance professional is to create a plan that protects the client's family and resources from risk, the most serious of which is an unanticipated death. When this is done correctly and in collaboration with other professionals, the sale of product to protect that plan becomes self-evident. Selling the plan allows you to sell the product.

Long-term care insurance should be sold the same way. The insurance professional, in collaboration with other professionals, must be able to put together a plan that protects the client's family and resources from the devastating consequences of long-term care. In this matter, the risk is living too long a life after retirement, which creates the near-certainty of needing long-term care. The consequences to the financial security of the insured's family and to his retirement portfolio could be no less serious than if he had died during working years.


Mission Statement:
To increase the sale of long-term care insurance on the basis of the same sound and ethical principles that guide the professions of financial and estate planning.

Our Goals:

1. To give you compelling reasons why you must start discussing a plan for long-term care with middle-age clients.

2. To give you the confidence and competence to put together a plan that deals with the likely consequences that living a long life and needing care would have for the insured's family and retirement portfolio. This is done by teaching that long-term care planning is a profession that requires understanding of these consequences.

3. To teach you how long-term care insurance is used to protect that plan.