As an independent agency, we're not tied to any one carrier. We work with the top-rated LTC insurance companies in America — and our only obligation is finding you the best coverage at the best price.
A captive agent works for one insurance company. They can only offer you that company's products — regardless of whether a competitor offers better coverage, lower rates, or a more suitable policy design for your situation.
An independent advisor like Vantage Protection Group has no allegiance to any carrier. We run your information through multiple top-rated companies simultaneously, compare the results side by side, and recommend the policy that genuinely serves your best interests — not a sales quota.
In a product category as complex and long-lasting as long-term care insurance, having someone shop the entire market on your behalf isn't just convenient — it can mean tens of thousands of dollars in savings and significantly better coverage over the life of your policy.
Our commitment: We will never steer you toward a carrier for any reason other than it being the best fit for your age, health, state, and goals. If a different carrier offers better value for your situation, that's the carrier we'll recommend — every time.
We run your profile through all 7 carrier partners at once and present the results side by side — the same information you'd need weeks to gather yourself.
One carrier may be best for a 58-year-old in Texas with no health issues. A different carrier may be better for someone with managed diabetes. We know which is which.
Each carrier has different guidelines for health conditions. We know which carriers are most likely to approve your application and at the best rate class — before you apply.
When you need to file a claim years from now, we help guide you through the process. Our relationship doesn't end at the sale — it starts there.
Not every carrier makes our list. We apply strict criteria before partnering with any company — because your long-term security depends on it.
Every carrier must hold an A rating or better from AM Best. Financial strength ensures the company will be around — and able to pay claims — decades from now when you need it most.
We evaluate each carrier's track record on paying claims promptly and fairly. A policy is only as good as the company's willingness and ability to honor it when a claim is filed.
We look at each carrier's historical rate increase record. A company with a history of aggressive premium increases — even if cheap today — is not one we recommend to our clients.
We require carriers to offer robust policy customization — benefit amounts, periods, inflation protection, and riders — so we can tailor coverage precisely to each client's needs.
We have no sales quotas with any carrier. The policy we recommend is always the one that best fits your needs — full stop. If that changes, we'll tell you.
When you work with us, you get access to every carrier we partner with — compared simultaneously. You see the full picture before making any decision.
We're here when you buy the policy and when you need to use it. Our team guides your family through the claims process — years or decades from now.
In one free consultation, we'll run your profile through every carrier partner and present you with the best options side by side. No pressure, no obligation — just clarity.