Last Updated: January 2026

Welcome to MyLTCiPlan (“Website,” “we,” “us,” or “our”). By accessing or using this Website, you agree to the following Terms of Use. If you do not agree, please do not use this Website.

1. Purpose of This Website

MyLTCiPlan provides educational information, tools, sample illustrations, and consulting services related to long-term care planning and insurance options. Content is intended to help users better understand planning concepts and available solutions.

Nothing on this Website constitutes legal, tax, medical, or investment advice.

2. No Guarantees or Advice Disclaimer

All information, examples, pricing illustrations, and benefit amounts shown on this Website are:

- For educational and illustrative purposes only

- Not guarantees of coverage, cost, eligibility, or benefits

- Subject to underwriting, age, health, carrier rules, and state regulations

- Actual insurance products, pricing, and benefits may vary.

3. Insurance & Consulting Relationship

Using this Website does not create an agent-client, fiduciary, or advisory relationship.

Insurance coverage is not in effect unless:

- An application is approved by an insurance carrier

- A policy is issued

- Required premiums are paid

4. Paid Policy Review Services

Certain services offered on this Website, including Policy Review Consulting Services, are paid services.

Refund Policy

Unless otherwise stated in writing:

- All consulting fees are non-refundable

- Services are delivered based on the information provided by the client

5. AI Assistant (“LTC Professor”)

The LTC Professor is an AI-powered educational tool designed to provide general explanations and guidance.

It does not provide personalized advice

It may generate errors or outdated information

Users should verify important decisions with a licensed professional

6. User Responsibilities

You agree:

- To provide accurate information

- Not to misuse the Website or services

- Not to rely solely on Website content for critical decisions

7. Intellectual Property

All content, videos, guides, text, graphics, and logos are the property of MyLTCiPlan and may not be copied, redistributed, or reused without written permission.

8. Limitation of Liability

To the maximum extent permitted by law, MyLTCiPlan shall not be liable for:

- Direct or indirect losses

- Decisions made based on Website content

- Technical errors or omissions

9. Third-Party Tools & Links

This Website may use or link to third-party services (analytics, scheduling, ads platforms). We are not responsible for their content or practices.

10. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles.

11. Contact Information

MyLTCiPlan
Email: [email protected]
Phone: (615) 614-8722
Office: 1650 Murfreesboro Road, Suite 223, Franklin, TN 37067