Meet with a Trusted Pro
  • Traditional Products
  • Hybrid/Asset based solutions
  • Alternative Care Plan
  • Advanced Strategies for LTC
  • Worksite LTC
  • & MORE!
  • Traditional Products
  • Hybrid/Asset based solutions
  • Alternative Care Plan
  • Advanced Strategies for LTC
  • Worksite LTC
  • & MORE!

YOUR FIRST CHOICE FOR Long Term Care Protection

As your Ramsey Trusted Advisors, we are here to Serve and Educuate you on your choices when it comes to your Extended Care needs.

We promise to put your interests ahead of our own at all times. As independent specialists, we work with all the top-rated insurance carriers nationwide. Therefore, we have no affiliation to a single company. This allows us to shop all of your choices to determine which insurance carrier and product is truly the best fit for you and your family.

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We specialize in the following LTC INSURANCE SERVICES

Navigating the waters of LTC coverage can be tough. The good news is, you do not have to charter the waters of LTC planning on your own. Your RamseyTrusted LTC team is here to create your Extended care plan. As your Trusted independent LTC Advisors & Educators, we will shop the market for you and find the company that fits your needs best. Then we will design you a customized plan to meet your needs and care wishes.

Traditional LTC

Traditional Long-Term Care Insurance is a standalone policy designed to cover the costs of long-term care services, such as in-home care, assisted living, or nursing home care. It provides flexibility in care options but works on a use-it-or-lose-it basis, meaning if you never need care, no benefits are paid out. Premiums are typically lower upfront, but can increase over time based on the insurer’s adjustments.  

  • Pure Insurance
  • Premiums more affordable
  • Customizable Benefits
  • Benefits are Easy to Understand
  • Tax Advantages

Hybrid/Linked Benefit Solutions

Hybrid Long-Term Care Insurance combines long-term care coverage with either a life insurance policy or an annuity. If you need long-term care, the policy pays for care expenses; if you don’t, your beneficiaries receive a death benefit or a payout. This option ensures your money is used effectively, either for care or as a legacy.

  • Premium Protection – Premiums are fixed and will not increase over time.
  • Flexible Payment Options – Can be funded through a single lump sum payment or structured premium payments over time.
  • Cash Value Growth – Policies can build cash value over time, offering liquidity if needed.
  • No “Use-It-Or-Lose-It” – Unlike traditional LTC insurance, hybrid plans ensure your funds are either used for care, left as a death benefit, or in some cases, refundable if you change your mind.
  • Tax Advantages

Alternative Care Plan

Ideal for individuals seeking coverage for long-term care services on a more limited basis, generally 90 days to 2 years. It can help to pay for home care, assisted living, or nursing home stays and can be a practical solution for those who may not qualify for traditional or hybrid long-term care insurance. These types of policies often have simpler underwriting requirements and provide financial protection for care needs.

  • Affordable Premiums – Generally lower-cost than traditional LTC insurance, with flexible payment options.
  • Fast Benefit Payouts – Typically has shorter elimination periods (waiting time before benefits start) compared to traditional LTC policies.
  • Daily or Weekly Benefit Options – Policies may pay a fixed amount per day or week for covered care services.
  • May Cover Pre-Existing Conditions – Some plans have shorter or no waiting periods for pre-existing conditions, depending on the insurer.

Worksite LTC

Offered through employers, giving employees access to LTC insurance at group rates, often with easier underwriting.

  • We work with All sizes of employer groups
  • Plans can be offered on a 100% Voluntary or with Employer Contribution
  • Guaranteed issue and Simplified issue options available.
  • Executive and C-Suite Carveouts are Available – Not subject to ERISA Regs!
  • Tax Incentives for the Employer and Employee

Advanced Insurance Strategies

Strategies to Manage Long-Term Care Costs and Protect Assets

  • Leverage Insurance Products – Use a combination of life insurance, annuities, and long-term care policies to safeguard assets and cover extended care expenses.
  • Reposition Cash Value – Transfer cash value from permanent life insurance or annuities to fund a customized extended care plan while maintaining financial security.
  • Optimize Tax-Advantaged Funds – Utilize qualified money from retirement accounts (e.g., IRAs, 401(k)s) with advanced LTC funding strategies to minimize tax liabilities.
  • Protect Retirement Savings – Roll over 401(k), 403B or other qualified funds into  insurance-based solutions to shield your hard-earned money from market volatility and losses.
  • Comprehensive Coverage Review – Conduct a Life & Health Insurance review to identify gaps in coverage, ensuring you are adequately protected without being over-insured.

Alternative Care Plan

Ideal for individuals seeking coverage for long-term care services on a more limited basis, generally 90 days to 2 years. It can help to pay for home care, assisted living, or nursing home stays and can be a practical solution for those who may not qualify for traditional or hybrid long-term care insurance. These types of policies often have simpler underwriting requirements and provide financial protection for care needs.

  • Affordable Premiums – Generally lower-cost than traditional LTC insurance, with flexible payment options.
  • Fast Benefit Payouts – Typically has shorter elimination periods (waiting time before benefits start) compared to traditional LTC policies.
  • Daily or Weekly Benefit Options – Policies may pay a fixed amount per day or week for covered care services.
  • May Cover Pre-Existing Conditions – Some plans have shorter or no waiting periods for pre-existing conditions, depending on the insurer.

Worksite LTC

Offered through employers, giving employees access to LTC insurance at group rates, often with easier underwriting.

  • We work with All sizes of employer groups
  • Plans can be offered on a 100% Voluntary or with Employer Contribution
  • Guaranteed issue and Simplified issue options available.
  • Executive and C-Suite Carveouts are Available – Not subject to ERISA Regs!
  • Tax Incentives for the Employer and Employee

Advanced Insurance Strategies

Strategies to Manage Long-Term Care Costs and Protect Assets

  • Leverage Insurance Products – Use a combination of life insurance, annuities, and long-term care policies to safeguard assets and cover extended care expenses.
  • Reposition Cash Value – Transfer cash value from permanent life insurance or annuities to fund a customized extended care plan while maintaining financial security.
  • Optimize Tax-Advantaged Funds – Utilize qualified money from retirement accounts (e.g., IRAs, 401(k)s) with advanced LTC funding strategies to minimize tax liabilities.
  • Protect Retirement Savings – Roll over 401(k), 403B or other qualified funds into  insurance-based solutions to shield your hard-earned money from market volatility and losses.
  • Comprehensive Coverage Review – Conduct a Life & Health Insurance review to identify gaps in coverage, ensuring you are adequately protected without being over-insured.

Meet the Team

Use the arrows below to view our team member stories.

Christina Frey, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator

Christina Frey has been helping families to plan for their extended care needs for 25 years. She is committed to honesty and integrity and demonstrates an unparalleled level of professionalism. She is passionate about helping clients and navigating them to peace of mind with plans they can trust.

Steve Elliott, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator

Steve helps clients find peace of mind by avoiding the financial and family burden of long term care. His approach is to “guide” clients by teaching, determining their needs, then shopping to find the best company at the best rate. From the moment you connect with Steve, you will receive expert advice from someone with the “heart of a teacher”.

Mischa Wright, CLTC®
LTCi Trainer I Advisor & Educator

Mischa is passionate about helping families to navigate the waters of extended care planning. This stems from his personal experience of understanding, first hand, what is involved when caring for a loved one. He focuses on educating his clients about the importance of planning and helping them to understand his choices. His mission is to Serve his clients and not sell.

Sozha Dorsey, CLTC®
Client Service Specialist

Sozha is our dedicated Client Service Specialist, who has over 15 years of experience in insurance, sales, business operations, and account management. Sozha’s passion for providing exceptional customer service is evident in everything she does. Her extensive knowledge and expertise in the industry makes her an invaluable asset to our team and our clients. She is committed to ensuring that our clients receive the highest level of service and support, and she always goes above and beyond to exceed their expectations. With Sozha on board, you can rest assured that your needs and concerns will be addressed promptly and efficiently.

Kristine Swisher, CLTC®
Advisor & Educator

As a caregiver for her own disabled mother, Kristine truly understands the weight of caring for a loved one. In addition, she has witnessed her own friends and family endure unfortunate financial, physical and emotional consequences due to a lack of proper planning. As a result, is why she is very passionate about helping others in protecting their family’s health, future and legacy.

Jennifer Francisco, CLTC®
Advisor & Educator

Jennifer’s passion for Long Term Care comes from a profound belief in the importance of planning for the future and ensuring financial security. Recognizing the potential challenges and costs associated with an extended care need, she is driven by a desire to help others to safeguard their assets and maintain their quality of life in the face of unexpected health events. She is committed to helping people to proactively manage their well-being and financial resilience by planning ahead.

Liz Kelley, CLTC®
Advisor & Educator

With a passion for safeguarding what matters most to people, Liz has dedicated herself to being a trusted advisor & educator. Every client she works with receives the highest level of respect, personalized attention and care. Liz’s approach revolves around active listening, thorough education, and crafting tailored solutions that align with each client’s unique needs and goals. By empowering individuals with knowledge and guidance, she strives to enable them to make confident decisions that will serve them well into the future.

Kelli Graham, CLTC®
Advisor & Educator

Kelli first became drawn to Long Term Care planning when she had her own personal experience with extended care needs within her own family.  She became very proficient at helping others to understand the process of an unexpected medical event.

She invites her clients to work with her in order to make the challenges that often come with care needs to become an experience that’s guided by empathy and knowledge.  Together, she will help you to make the best insurance choices that protect your loved ones, your independence and financial security.

Christina Frey, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator
Steve Elliott, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator
Mischa Wright, CLTC®
LTCi Trainer I Advisor & Educator
Sozha Dorsey, CLTC®
Client Service Specialist
Kristine Swisher, CLTC®
Advisor & Educator
Jennifer Francisco, CLTC®
Advisor & Educator
Liz Kelley, CLTC®
Advisor & Educator
Kelli Graham, CLTC®
Advisor & Educator

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Start your LTCi conversation by scheduling your introductory phone meeting today.

Schedule an Intro Call