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Louis H. Brownstone, Chairman

Louis H. Brownstone is Chairman of California Long-Term Care Insurance Services, Inc., the largest independent specialist long term care insurance agency in California, located in Burlingame. It is the broker for a group of high-producing long term care specialist agents.

Brownstone has been an industry leader. He is past Chairman of the National LTC Network, an association of some twenty brokerages nationwide which together place about ten percent of all long term care insurance premiums. He is also an active member of the National Alliance of Insurance Agencies, which promotes various products containing long term care solutions.

He is the Government Relations Chairman of the SF/Peninsula Chapter of NAIFA, the National Association of Insurance and Financial Advisors. One of his goals is to revive the California Partnership for Long Term Care in order to protect more Californians and save the State of California billions of dollars in future Medi-Cal expense.

Brownstone is a native San Franciscan and fourth-generation Californian. A graduate of Andover and Stanford, he has been a long term care insurance specialist since 1991 and founded California Long Term Care Insurance Services, Inc. in 1997.

Long Term Care Premiums Tax Deductions

There are advantages that you might be eligible for with a Long Term Care Insurance policy.

• Do you own a business?
• Are you aware of the potential Long Term Care tax advantages of owning a business?

You might be interested in a Quick Reference Guide that gives a summary of Long Term Care premium tax treatment for different types of business entities.

Contact us for details

Do Long Term Care Insurance Numbers Make Sense for The Policyholder?

Long Term Care PricesAccording to a recent article published by the National Association of Health Underwriters it was disclosed that, “a 60-year-old who pays premiums through age 82 (on a statistically representative policy), then show how 22-years of premium payments would quickly be returned after just five months on claim. By comparison, a 60-year-old without insurance would have to set aside $1,666 each month (at 2% interest) to achieve what our LTCI policyholder can leverage with just $188 per month” (Forman, 2015, pp 4-5).

Additional statistics were given in this article that spoke to the growth of long term care insurance numbers, not only in California, but also across the country. As it stands right now, there is an estimated face value of policies in force that is $1.98 Trillion Dollars. The NAHU article talks about the long-term care industry and claims experience, based on the total face value premium of just under 2 Trillion, it is estimated that just under $700 Billion Dollars of claims will be paid out on the current policies in force. The article offers a comparison to its most recent statistic that in the US, in 2010 roughly $210 Billion Dollars was paid out in long term care insurance claims.

It is clear that the long term care insurance need is in growth mode as more and more baby boomers begin looking at their future, and more importantly, the quality of care they will receive when no longer able to care for themselves independently, or with a little assistance. Long term care insurance is not always the most fun conversation to have, and with the complex and often confusing system in California, it can be an uphill battle.

It is important when planning your future to consider the help of a licensed and qualified professional. You already use doctors to help you heal, accountants to help you with financial records, and attorneys to assist with legal concerns; it is time to enlist the help of a California long-term care specialist so you can make an educated decision about your future health care needs.

Fill out the form to the right, get your guide to LTCI and contact your California Long Term Care Specialist today and get started with your planning. This service is Free!


Forman, S.D., (June 2015) “Dog Bites Man”, National Association of Health Underwriters, retrieved 08/02/2015 at

When You Are In Long Term Care, Hope This Never Happens To You!

Ca;pers Long Term Care AlternativeUnlike your neighbors, you were smart; you planned, did your research, knew the benefits of planning for your long-term care needs in California, purchased a plan, and began to enjoy the peace of mind knowing you are protected.

Then it happens…

You receive a letter one day stating your premiums are going up 85%. How could this be, you planned everything out, researched the options, and selected a plan that promised fixed premiums for life with no risk of rising costs.

If you have been following the CalPERS class action lawsuit in California, you would know, this is exactly what happened to approximately 150,000 long term care insurance policy buyers that bought certain policies from 1995 to 2004.

According to the class action information website,” This is a class action lawsuit that seeks relief for individuals who purchased certain Long Term Care (“LTC”) insurance policies through CalPERS and have been subjected to recent premium hikes of approximately 85%. The complaint alleges that CalPERS promised its policyholders that the premiums for its LTC policies were fixed for life and would never rise.

The complaint further alleges that at the time CalPERS made these promises, it had underpriced its policies and knew, or should have known, that premiums were certain to rise in the future. The complaint asserts causes of action for Breach of Contract, Breach of the Implied Covenant of Good Faith and Fair Dealing, Rescission, and Declaratory and Injunctive Relief.”

While this case is still ongoing at this time, it is estimated that settlement from this type of litigation could take 2.5 to 3 years! What if you were already accessing your benefits? What if you had not planned for any increased costs? Would you be fully protected under the suit when you’re in a nursing home?

The article says, “Your decisions going forward (whether to drop the policy, take reduced benefits, or pay higher premiums) are entirely up to you and are dependent on your individual circumstances.”

If you want to avoid the pain and confusion that happens when a program underprices their policies to make a quick influx of cash, you need to obtain competent and professional assistance. The California Long Term Care insurance agents study their carriers’ every day to know the best and most price stable policies available on the market.

Unlike car insurance where you can shop and take advantage of short-term pricing opportunities, long-term care insurance is a policy you typically buy one time and keep until you need to access the benefits. It is possible to save money, but make sure you work with a professional so your plan does not become a legal nightmare later in life.

Get Started Planning Today, Contact Your Professional CLTC Agent Now!