text: www.ambest.com\nwww.naic.org\n\nFind a specialist that knows the ins and outs of LTC, it is much more complex than life insurance. Also, try to deal with someone who has access to several insurance companies, not just one. Last bit of advice, try to find a Certified Financial Planner near you. CFP's have a higher level of responsibility to their clients than an insurance agent.