Washington & California
Long-Term Care Planning with Heart, Honesty, and Zero Pressure
Carol Guilbault brings more than 25 years of passion and integrity to every conversation. She designs long-term care plans for Washington and California residents—and is licensed nationwide—so families everywhere can get honest, energetic guidance without ever feeling sold to.
Meet Your Specialist
Carol Guilbault, CLTC
Carol is not your typical insurance advisor. For more than 25 years, she has brought genuine enthusiasm, deep professionalism, and unwavering integrity to every client relationship. She founded LTCSIMPLE because she is truly passionate about helping families cut through the confusion and make confident, informed decisions—with zero sales pressure and total honesty.
"Educate first. Recommend second. No pressure, ever."More about Carol
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
3 yrs
typical duration of care for those who need it
The Real Worries
If the day comes that you need long-term care, what keeps you up at night?
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.
5-Minute Tool
Long-Term Care Readiness Assessment
Answer eight straightforward questions and receive a personalized readiness score with educational guidance—no signup required.
Takes about 5 minutes. Free.
Resource Center
State-specific guidance
Long-term care costs, programs, and planning considerations vary by state. Explore the guide for your state.
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.
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.
Complimentary Consultation
Ready for a clearer plan?
Schedule a complimentary 30–45 minute conversation with Carol. No pressure, no obligation—just honest, energetic guidance tailored to your situation.