1. Why should I take the CLTC course?

The CLTC designation focuses on educating financial and insurance professionals about the importance of a long-term care plan for their clients and their loved ones. The in-depth coursework required to earn the designation is perfect both for new and seasoned industry professionals. Regardless of their level of prior experience, everyone can learn valuable information from this course that will help further their professional knowledge and sales practices.

2. How do I qualify for a discounted course tuition?

Many insurance carriers have approved the CLTC designation and subsidize tuition in full or in part. Please contact CLTC for more information at 877-771-2582.

3. Who recognizes the CLTC designation?

The CLTC designation is recognized by most major insurance carriers. Educational institutions such as The American College of Financial Services and many professional associations also acknowledge the designation including the National Association of Insurance and Financial Advisors (NAIFA), the National Association of Health Underwriters (NAHU), and organizations such as the Certified Financial Planner Board of Standards (CFP Board).

4. Is CLTC the only professional designation associated with long-term care planning?

No, but the CLTC designation is the only independent, third-party designation that has no affiliation with an insurance carrier.

5. Do I need a CLTC to sell long-term care?

No, the CLTC designation is not required to sell long-term care insurance, but this prestigious designation allows you to stand out from the competition and immediately identifies you as a knowledgeable, ethical professional.

6. What are the graduate benefits?

All graduates enjoy a series of benefits, including monthly newsletters; monthly webinars; a quarterly digest; the opportunity to ask long-term care-related questions online and get fast expert answers; and more. A complete list is available in the "Graduate Benefits" pages of this website.

7. How many continuing education (CE) credits will I earn by passing the CLTC designation exam?

Continuing Education credits vary by state. Please see our state-by-state list of CE approvals.

8. Why is a proctor required for the CLTC online exam?

A proctor is required for students to qualify for CE credits upon completing and passing the exam. Without a proctor, CE credits will not be awarded.

9. Do I have to renew my designation periodically?

Maintaining the CLTC designation requires all designees to meet an ongoing continuing education requirement every two years. Designees must either 1.) Complete our CLTC renewal course or 2.) Submit proof of completion of the state-mandated Long-Term Care training. The CLTC renewal course is updated to include the most current information in the long-term care industry and is an excellent refresher for designees. Along with the renewal course, all designees are required to pay an annual renewal fee.

10. Is there a code of conduct associated with the CLTC designation?

Yes, designees are required to uphold the principles specified in the Code of Professional Responsibility.

11. Once I pass the exam, how can I publicize my new status as a CLTC?

CLTC has prepared a press release which you can send to local magazines and newspapers after adding your name and contact information.

The 3 Questions Clients and Prospects Ask Most Often

1. What does CLTC stand for?

CLTC stands for "Certified in Long-Term Care," a designation granted by the Certification for Long-Term Care. CLTC graduates have completed a rigorous multidisciplinary course that focuses on the profession of long-term care planning. State regulators granted the program continuing education credits after determining that it provides essential information that is necessary to the appropriate sale of long-term care insurance.

2. Why should I choose a professional with a CLTC designation?

Long-term care insurance is a complex product that offers many forms of protection and pricing structures. CLTC professionals are highly trained in the field of long-term care and know the appropriate questions to ask. The main goal is to help you identify solutions for your needs.

They work in conjunction with other professionals including elder law attorneys. Together, they can establish a plan that takes into consideration your circumstances and ability to pay.

3. How do I find a CLTC professional in my area?

Please visit CLTC's graduate listing to find a professional near you.

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Success Stories

I’ve been selling LTCi for years…this course is excellent for new agents as well as experienced. My selling activities will be completely changed as a result of taking eLearning, because I was emphasizing the wrong things!

-J.H. CLU, ChFC, Mass Mutual