LONG-TERM CARE INSURANCE AGENCY BUSINESS PLAN

I. Executive Summary

Company Description

We are a premier U.S.-based long-term care insurance agency launching operations in 2026 to deliver specialized financial protection for pre-retirees and high-net-worth individuals. Operating exclusively in the long-term care sector, we combine expert policy placement with a fee-based advisory model to give clients ongoing wealth-preservation strategies. Based in a major metropolitan area, we serve clients nationwide through a high-touch mix of digital platforms and personal consultations backed by deep technical expertise and longstanding relationships with the nation’s top-rated carriers. One clear point: we focus only on the complex long-term care market, not general insurance.

Our primary services are bespoke policy placement, fee-based fiduciary advisory, care-cost planning, and carrier negotiation; we supplement these with ongoing policy reviews and claims advocacy to preserve client assets. We target pre-retirees (ages 55–69) and individuals with investable assets above $1M who need tailored, durable protection. Short-term goals: sign 150 advisory clients and place $6M in annualized premiums by year three. Long-term goals: scale advisory AUM-linked revenue, expand nationally, and hit $25M annualized premiums by year six. One clear point: we sell advice and execution, not commodity policies.

Problem

The cost of long-term care in the U.S. can exceed $100,000 per year, a level that rapidly depletes retirement savings and income. Traditional health insurance and Medicare do not cover most long-term care services, leaving a persistent coverage gap for retirees and pre-retirees.

Families face emotional and financial strain: adult children become unpaid caregivers or estate managers, assets—including homes—are often liquidated, and decisions are delayed or made under duress. Consumers also confront complex underwriting, poor product fit, and a lack of trusted, ongoing guidance.

Existing solutions are fragmented: general insurance brokers offer limited LTC expertise, carriers sell complex products without holistic wealth-preservation advice, and digital tools lack the high-touch planning necessary for high-net-worth clients. The result is widespread underinsurance and avoidable financial ruin.

We launch in 2026 to fill this gap with a fee-based, specialist long-term care advisory that combines policy placement with ongoing wealth-preservation planning for pre-retirees and high-net-worth individuals.

Solution

The rising cost of nursing homes and assisted living threatens retirement savings for millions, and generalist agents often lack the expertise to navigate underwriting, hybrids, and annuity funding. We offer specialist long-term care insurance advisory: tailored policy design, medical pre-underwriting, annuity and hybrid funding models, ongoing plan management, and a dedicated claims concierge to protect client wealth and secure care access.

Core services include customized recommendations, pre-underwriting reviews, funding models, plan management, and claims support; advisory services are billed at $200–$450 per hour.

Mission Statement

We protect financial legacies by delivering the highest level of specialized expertise and personalized guidance in the long-term care insurance market, ensuring families retain access to quality care without financial devastation. We combine transparent, consultative advice with innovative care-funding strategies to give clients peace of mind and guaranteed pathways to care. Our goal is to be the most trusted partner for families and professional advisors in U.S. retirement planning.

Key Success Factors

Our success rests on specialized expertise, referral channels, revenue diversity, technology, and planned team scaling.

• Specialize — Narrow long-term care focus delivers superior advice
• Leverage — Professional referral network of CPAs and estate attorneys
• Diversify — Combined commissions and fee-based advisory revenue model
• Deploy — Advanced CRM and underwriting technology for consistent service
• Scale — Grow expert team from 2 to 13 employees by 2030

Financial Summary

Financial snapshot for the Executive Summary: launch-year revenue of $872,000 (2026) with disciplined costs and a seven-month path to break-even.

Financial requirements: minimum cash of $663,000 (month: Jun-26), initial fixed monthly expenses $15,650, CAPEX and setup completed in 2026. CAC declines from $2,400 (2026) to $2,000 (2028). Anticipated returns: IRR 7.87% and ROE 6.02%; payback in 21 months.

Outlook: revenue grows to $5,712,000 by 2030 with five-year EBITDA exceeding $5.7M and a positive cash and profitability runway.

Funding Requirements

We require $868,000 to launch—covering $205,000 of capital expenditures and a $663,000 working-capital reserve to reach the July 2026 break-even and sustain initial operations.

Projected 2026 revenue is $872,000 with a seven-month path to break-even; revenue grows to $5,712,000 by 2030 with $2,650,000 EBITDA, fixed monthly expenses of $15,650, a declining CAC, a 7.87% IRR, a 6.02% ROE, and total five-year EBITDA above $5.7M.