Independent Long-Term Care Specialist
Ready to Talk?
If you’re financially established, reasonably healthy, and seriously considering long-term care insurance, I can help you understand your options and determine what actually makes sense for you.
I know talking with an insurance professional can feel overwhelming. I keep the conversation simple, straightforward, and pressure-free — and I’ll treat you the way I’d want to be treated.
Long-Term Care Specialist Since 2001 | Independent | Traditional, Hybrid & Asset-Based Options
Complimentary. No pressure. No obligation.
5-star average on Google Reviews
(425) 641-8502
Let’s Start With a Conversation
If you’re seriously considering long-term care planning, tell me a little about yourself. I’ll personally review your information and reach out to discuss your options.
You May Not Want to Talk to an Insurance Agent. I Understand.
Most people researching long-term care insurance want to understand their options before they talk to someone — especially if they’re concerned that a conversation will turn into a sales pitch.
That’s not how I work.
Long-term care insurance is highly individual. Your age, health, finances, family situation, existing assets and goals all affect which options are available and whether insurance even makes sense.
A conversation allows me to understand what you’re trying to accomplish before recommending anything.
Sometimes the answer is insurance. Sometimes it isn’t.
I’m Not Your Typical Insurance Agent
Long-term care insurance isn’t one of many products I sell. It’s what I specialize in.
I’ve specialized in long-term care planning since 2001.
I work with individuals and couples who want to thoughtfully evaluate whether transferring some of their long-term care risk makes sense — and, if so, how to do it intelligently.
As an independent specialist, I help clients evaluate:
- Traditional long-term care insurance
- Hybrid life insurance with long-term care benefits
- Asset-based long-term care strategies
- Different benefit and inflation options
- Whether keeping some or all of the risk themselves may make more sense
I’m not tied to one insurance company, and my job isn’t to convince everyone to buy a policy.
My job is to help you understand your choices and make a well-informed decision.
Does It Cost More to Work With an Independent Specialist?
No. There is no additional fee charged to you for working with me.
If you purchase coverage, I am compensated by the insurance company. You don’t pay an additional advisory or broker fee to have me help you compare and evaluate your options.
That allows you to work directly with an experienced long-term care specialist without adding another layer of cost.
And there is no obligation to purchase anything after we talk.
This May Be a Good Fit If…
- You have assets or retirement income you want to protect
- You could potentially pay for long-term care yourself but want to evaluate transferring some of that risk
- You want to understand traditional AND hybrid/asset-based options
- You're reasonably healthy and understand private LTC insurance requires underwriting
- You want expert guidance to compare carriers, maximize available discounts, and design the right coverage for your needs
- You're ready to understand your options and decide what makes sense
If you’re not sure where you land, reach out anyway — a short conversation will make it clear.
What Clients Say About Working With Carol
“The options could have been overwhelming, but Carol has an outstanding ability to narrow down the options quickly, presenting only those that met my needs. Her communication is excellent throughout the entire process. Professional, knowledgeable, personable and gets the job done.”
“She's an industry expert in every sense of the word, but also caring, approachable, and dedicated to securing the right coverage for her clients. She walked me through all my options with patience and expert advice.”
“Her approach was calm and free of any pressure. Carol has an extensive knowledge of all the options available and helped me find the one that fit my personal needs. The outcome was peace of mind over my future care needs.”
What Happens After You Reach Out?
- 1
Tell me a little about yourself.
Complete the short form so I have some context about what you're considering.
- 2
We'll start with a conversation.
I'll learn more about your situation, what prompted you to explore long-term care planning and what you're hoping to accomplish.
- 3
If it makes sense to continue, we'll explore your options.
That may include traditional LTC insurance, hybrid or asset-based solutions, different benefit designs — or deciding that keeping the risk yourself makes more sense.
- 4
You decide what happens next.
No pressure. No obligation.
Prefer to call? (425) 641-8502