About
Meet Carol Guilbault, CLTC
CLTC® (Certified in Long-Term Care) is the nation's leading professional designation for specialists in long-term care planning.
Carol Guilbault, CLTC, helps individuals and families make informed long-term care insurance decisions through personalized guidance, thoughtful policy design, and more than 25 years of industry experience. Licensed in numerous states, she brings independent, education-first attention to your needs and premium budget.
CLTC
Certified in Long-Term Care
25+ Years
of experience
Licensed in many states
Personalized policy design
For more than 25 years, I have specialized exclusively in long-term care planning, helping individuals, families, and business owners prepare for one of life’s greatest financial risks.
I founded LTC Simple with a simple mission: to educate clients and help them make informed decisions that protect their assets, preserve their independence, and reduce the financial and emotional burden long-term care can place on loved ones.
As an independent long-term care specialist, I provide objective guidance and personalized planning strategies tailored to each client’s goals, health, family circumstances, and financial resources. My recommendations are never driven by a single insurance company—they are driven by what provides the greatest long-term care protection and value for each client.
I believe education comes first. My role is to explain coverage and premium tradeoffs in plain English, help clients choose a solution they understand, and remain a resource as their needs change over the years.
I also enjoy collaborating with financial advisors, attorneys, CPAs, bankers, HR professionals, and employee benefits consultants to ensure long-term care planning is thoughtfully integrated into an overall financial strategy.
If you are researching coverage itself, my overview of how long-term care insurance works is a good place to begin.
Specialties
Long-Term Care Planning • Traditional Long-Term Care Insurance • Hybrid Long-Term Care Solutions • Asset-Based Planning • Cash Indemnity Strategies • Executive & Business Planning • Client Education
Carol's Philosophy
Educate First. Recommend Second. Never Pressure.
Every conversation starts with understanding your situation, your goals, and the questions keeping you up at night. Carol brings warmth, energy, and total honesty to every discussion. Recommendations come later—only when they truly fit. You will never experience a high-pressure sales pitch. That is a promise.
Complimentary Consultation
Ready for a clearer plan?
Schedule a brief complimentary conversation with Carol. No pressure, no obligation—just honest, energetic guidance tailored to your situation.