Independent Long-Term Care Insurance Guidance
LTC Simple — Long-Term Care Planning Made Simple
Long-Term Care Planning with Heart, Honesty, and Zero Pressure
Get personalized guidance to compare long-term care insurance options, understand what your premium buys, and find coverage designed around your needs, priorities, and budget.
Meet Your Specialist
Carol Guilbault, CLTC
Carol Guilbault, CLTC, brings more than 25 years of long-term care insurance experience to personalized policy design. She helps you compare available traditional, hybrid, and asset-based options, understand premium and benefit tradeoffs, and plan to protect retirement savings and family financial security—with education first and no sales pressure.
"Educate first. Recommend second. No pressure, ever."More about Carol
Client Voices
Families love Carol's energy, honesty, and no-pressure approach
“Carol made getting long term care insurance downright enjoyable. She was super helpful and clear about the choices, addressed all of my questions, and maintained amazing efficiency, responsiveness and professionalism the whole time.”
“Carol has an extensive knowledge of all the options available and helped me find the one that fit my personal needs. The outcome of this journey for me was having peace of mind over my future care needs.”
“She quoted us multiple coverage options and plan types from different companies, including hybrid policies. Carol truly cares for the people she represents and I feel lucky to have found her.”
Why Planning Matters
Protect what you have worked a lifetime to build—with a partner you can trust.
Roughly 7 in 10 adults turning 65 will need some form of long-term care. Without a plan, those costs come straight out of retirement savings—often forcing families into difficult decisions during stressful moments. Carol is passionate about making sure you never face that moment unprepared. She brings energy, honesty, and real expertise to help you build a plan that gives you clarity, choice, and genuine peace of mind.
70%
of adults 65+ will need long-term care in their lifetime
$120K+
average annual cost of a private nursing home room in WA/CA
1 yr or 15 yrs?
Nobody knows how long you will need care — it could be a few months or many, many years
The Real Worries
Let's talk about the worry no one likes to bring up—the one that can quietly reshape a retirement.
Becoming a burden to your spouse or children—the people you love most
Watching a lifetime of savings disappear and leaving your family in a financial bind
Having no real say in where you live or who provides your care
Being forced to rely on state assistance because there was never a plan in place
These fears are real, and you are not alone in feeling them. The good news? With honest guidance from someone who genuinely cares, every one of these worries can be addressed—calmly, clearly, and with absolutely zero pressure.
Resource Center
Selected state-specific resources
Long-term care costs, programs, and planning considerations vary by state. These Washington and California guides are examples of our state-specific educational resources, not the full scope of LTC Simple’s planning guidance. Start with the general insurance overview for a broader comparison.
For a general overview of how long-term care insurance works, download the LTC Shopper's Guide from the NAIC.
Explore long-term care insurance options to see how traditional and hybrid coverage compare, or request a long-term care insurance quote for a personalized comparison.
Trusted Carriers
Carol works with leading long-term care insurers
Professional Affiliations
Carol is also affiliated with
Dave Ramsey Trusted Pro
Carol Guilbault is Dave Ramsey-endorsed in Long-Term Care Insurance, a process that includes being thoroughly vetted to ensure her ability to serve clients well, long after the purchase has been finalized.
MrsLTC Claim Filing Services
Helping families file and manage long-term care insurance claims.
Resources
Long-Term Care Insights
When Is the Right Time to Buy Long-Term Care Insurance?
Carol bought her first long-term care policy at 38 — and added more later. She explains why there is no magic age, and the two questions that matter far more than a number when deciding whether coverage makes sense for you.
By Carol J. Guilbault, CLTC
Read Article →Free Guide: The Smarter Way to Plan for Long-Term Care
A quick, calm way to protect your retirement, your family, and your independence.
Download the Free GuideComplimentary Consultation
Ready for a clearer plan?
Schedule a brief complimentary conversation with Carol. No pressure, no obligation—just honest, energetic guidance tailored to your situation.