Business Details
Your Trusted Long Term Care Insurance Partner in Tampa, FL
LTC Financial Solutions was founded to provide expert guidance in long-term care insurance solutions. Our team combines over 100 years of industry experience to help clients nationwide navigate complex insurance options. We specialize in long-term care, short-term care, life insurance, and Medicare supplements, prioritizing personalized service and client education. Our agents are dedicated to simplifying the insurance process through transparent communication and tailored recommendations. With a focus on affordability and efficiency, we aim to make critical coverage accessible while maintaining the highest standards of professionalism.Our nationwide reach allows us to serve diverse client needs, supported by a team of seasoned specialists. Client testimonials highlight our commitment to exceptional service, with agents consistently praised for patience, expertise, and dedication. We work with major carriers to offer competitive policies, ensuring clients receive optimal value for their unique circumstances. Our process emphasizes education, empowering clients to make informed decisions about their future care needs. Backed by decades of collective experience, we strive to build lasting relationships based on trust and reliable service delivery.
Services
Long-Term Care Insurance
Medicare Supplements
Life Insurance
Short-Term Care
Insurance Consultation
Highlights and features
- Our agents have over 100 years of combined experience in long-term care insurance.
- We provide personalized policy comparisons from multiple carriers.
- Nationwide service with local market expertise in all 50 states.
- Agents consistently praised for patience and thorough client education.
- Specialized knowledge in Medicare supplements and long-term care planning.
What people say
Amazing job
Knowledgeable
Patient explanations
Thorough support
Compassionate approach
Services
Long-Term Care Insurance
We specialize in long-term care insurance solutions that protect against future healthcare costs. Our agents help clients understand policy options, coverage limits, and eligibility requirements. With expertise in both traditional and hybrid policies, we guide clients toward solutions that match their financial and care needs while considering inflation protection and benefit periods.
Medicare Supplements
Our Medicare supplement policies help cover out-of-pocket costs not paid by Original Medicare. We provide detailed comparisons between Plan A through Plan N options, explaining coverage differences for copayments, coinsurance, and deductibles. Clients receive personalized guidance to select plans that complement their healthcare usage patterns and budgetary constraints.
Life Insurance
We offer term and permanent life insurance solutions designed to meet diverse financial protection goals. Our specialists explain policy features including death benefits, cash value accumulation, and premium structures. Clients receive tailored recommendations based on family needs, estate planning objectives, and long-term financial strategies.
Short-Term Care
Our short-term care policies provide coverage for temporary healthcare needs following accidents or illnesses. We explain benefit periods ranging from 90 days to one year, coverage limitations, and integration with existing insurance. These plans serve as cost-effective alternatives for clients seeking limited-duration protection.
Insurance Consultation
We provide comprehensive insurance consultations covering long-term care planning, policy comparisons, and coverage gap analysis. Our specialists assess individual risk profiles, explain complex insurance terminology, and recommend solutions aligned with clients' financial situations. Consultations include detailed explanations of underwriting processes and claims procedures.
People
Neil Gholson
Founder
Neil Gholson established LTC Financial Solutions to create a client-focused insurance agency specializing in long-term care solutions. With decades of industry experience, he leads a team dedicated to providing expert guidance and personalized service to clients nationwide.
Susan Payne
Senior Agent
Susan Payne brings extensive expertise in long-term care insurance, consistently praised for her patient approach and thorough explanations. She helps clients nationwide navigate complex policy options while maintaining strong client relationships through responsive communication.
Diane Stoddart
Senior Specialist
Diane Stoddart specializes in long-term care insurance with a focus on client education and policy comparisons. Her approach emphasizes transparency and personalized service, as evidenced by numerous client testimonials highlighting her dedication and expertise.
Brian Harris
Senior Agent
Brian Harris provides expert guidance in long-term care insurance, known for his compassionate approach and ability to simplify complex insurance concepts. Clients consistently praise his responsiveness and commitment to finding appropriate coverage solutions.
KC Layne
Specialist
KC Layne offers specialized knowledge in long-term care insurance, recognized for her patient explanations and thorough client support. She helps clients understand policy details while maintaining a friendly, approachable demeanor throughout the decision-making process.
Questions
What long-term care insurance options do you offer?
We provide traditional long-term care policies, hybrid life insurance with long-term care riders, and partnership programs that combine coverage with asset protection benefits.
Do you work with clients outside Florida?
Yes, our agents serve clients nationwide, providing expert guidance regardless of location through phone consultations and digital document processing.
How do you help compare insurance policies?
We analyze multiple carriers' offerings, comparing coverage details, pricing structures, and underwriting requirements to help clients make informed decisions.
What experience do your agents have?
Our team has over 100 combined years of insurance experience, with specialists holding advanced certifications in long-term care planning and senior care solutions.
Can you help with existing policy reviews?
Yes, we provide comprehensive policy reviews to assess coverage adequacy, explain benefit structures, and identify potential gaps in existing long-term care insurance.
