Independent Carrier Access Karp Loshak LTC Insurance Solutions is an independent broker representing all major LTC carriers and plan designs, enabling a broad suite of long term care options for clients with varied health, age, and budget profiles—a strong selling point for multi-carrier comparisons and tailored recommendations.

Targeted Client Segments The firm serves individuals, business owners, and employer groups, with emphasis on high net worth, trusts and estates, retirement planning, asset protection, and partnership plans, creating opportunities for cross-sell into financial planning, risk management, and employee benefits packages.

Strategic Partnerships Active affiliations with prestigious institutions and programs (Goldman Sachs 10,000 Small Business, CW Post, Tax & Accounting Institute, LI University) enhance credibility and provide referral and co-marketing opportunities to reach professionals, attorneys, CPAs, and business owners.

Tech and Distribution Edge Reliance on cloud and web technologies (AWS, WP Engine, Cloudflare) combined with a strong online presence suggests scalable digital marketing, content education, and virtual consultations as low-friction sales channels to capture leads beyond local markets.

Revenue and Advisory Capacity With revenue in the multi-million range and a lean 2-10 person team, there is room to scale advisory services, increase full-time staff or contractors for underwriting appeals and complex LTC planning, and expand into additional states or partnership channels to drive growth.