Janine is extremely attentive and compassionate. She diligently worked with me to select the best agency and policy for my needs.

Janine was helpful, attentive and easy to work with in helping us select a Long Term Care Policy. She really cares about her work and her clients.

Thank you Michael and Gwen. So true I really do care about you and do the best I can to find the best solution to fit your needs.

Janine is very easy to work with to make the big decision on Long Term Care. I feel the decision I made to use this company is a good investment into my future. It will also take stress off of my family. Thank you for your help.

Susan you are very welcome I enjoyed working with you and know you made a very good decision to protect you and your family.

Hi Janine! I just received a statement regarding my Long-Term Care Insurance and although I'm now in need of long-term care at this time, I'm thankful that I know I have that carriage. Thank you for all of your help!!
Gloria

Gloria I am so glad to have been helpful to you and am here to be helpful today as well as later on.

Janine is absolutely wonderful to work with and was very helpful to us when we were looking for the Long Term Care plan that worked best for us. She was very patient and did an absolutely fantastic job answering all of our questions. We highly recommend working with her.

Thank you Josh and Jennie - I truly enjoyed helping you and am very glad we were able to work with you while you were young enough and healthy to get into this coverage.

Thank you for helping me out on the life insurance and health care policies. You and your company do a wonderful job!!

Thanks very much Scott and Karin!

I want to thank you for helping me when the billing for the next year was not received. You stepped to the plate and called the insurance company and new with whom to communicate to help in straightening out the situation. As you know, I finally received the billing and took care of the premium payment. I appreciated your help.

You are very welcome Susan - as I always tell my clients I am here to help you not just when we enroll you but for years to come too!

Although you never know how an insurance company or product really pans out until you have to use it, our agent Janine certainly introduced us to our options for LTCI that I had not heard of before and were pretty new at the time. With Janine's guidance we chose a hybrid product that now is mentioned in many articles on the subject and we feel pretty comfortable with our decision. Janine made sure all the paperwork was set up perfectly before the nurse came for the visit to our home and so it was a pretty smooth transaction. NO regrets with the choice of our agent!

Thank you Gary and Karin - several years ago when the "Hybrid" alternative was not so known it was my pleasure to help you see what style of coverage was best and am very happy you know that you both made the very best decision for you and your family.

I first investigated LTCI only this year, and at 68 years of age it was not a moment too soon as my time was literally 'running out.' Janine worked tirelessly with my numerous questions and succeeded in finding the perfect, right plan options for me personally. This is not an easy path of education for any individual without a 'guide' to a successful completion. I would strongly recommend Janine as the person to trust whenever you begin your journey to educate and blend LTCI planning into your future.

Judy it was truly a pleasure helping you find the perfect solution to fit your needs.

Janine was so helpful when we bought our long term care insurance 8 years ago. She explained everything well and we were able to purchase our insurance for a great price. Over the years I've had questions and when I email or call Janine she is quick to respond. Thanks for your help, Janine!

You are very welcome Jana! As discussed in 2010 when you made your purchase, I am here for you as your Agent for years to come and am grateful you made this decision while both you and your husband were younger and healthy enough to have this important coverage in place. Good for you!!!

Janine was always willing to go the extra mile and explain all options. She is always easy to talk to and her services are top rate...A++

Thanks very much Tom - I appreciate your A++ recommendation!

Janine helped to make a rather confusing insurance purchase very, very easy. From start to finish, she was friendly yet professional while explaining the policy and coordinating the paperwork. I couldn't be happier.

Rory Thank you very much - it is great to have clients appreciate the work I do to help you find the best program at the best price. I am very happy that I will be your Agent for years to come....

I am grateful to the help Janine provided in helping my father get LTCI. Janine is very knowledgeable and answered all of my dad’s questions.She also provided a good overview of the steps to be taken and how to prepare for each one. She was prompt in responding to emails and phone calls and provided detailed instructions for each step. She also found a workaround due to my dad’s lack of internet use.

Thanks Amy - you are a very sharp daughter to have helped your dad put this protection in place while he can still health qualify. Good for both of you .... his LTCi policy will help you both when he needs some assistance someday. I am happy that we were able to get him the coverage that works best for his needs.

Janine was very helpful in educating me about the value of long-term care insurance and informing me of different features I could choose to tailor a policy to my needs. She was prompt in responding to all requests, and served with the highest degree of professionalism and courtesy. I'm very grateful for Janine and recommend her to anyone seeking more information about LCTI.

Thanks Rob! It is truly a pleasure to help you and your family. Always call me anytime with any questions that come up as I am here for you!

Janine did an outstanding job of explaining long-term care insurance options. She knows her business and and is also a very pleasant person to work with. She was there through the whole process to make sure everything was done correctly. I especially appreciate her commitment to communication -- I always knew what was going on. When my first choice hit an underwriting snag she kept researching until she found a product that was right for me. It's a pleasure to work with her and she is a great credit to her profession. Thanks again Janine, you're the best.

Larry - having clients like you is what I love most about my career. Thank you for your appreciation of the work I do and know that I am here for you down the road too.

After experiencing the passing of each of our sets of parents, we decided it was way past time for us to get our financial house in order. My mother had been in a nursing home 7 years before she passed from Alzheimer's. The first time we were introduced to the concept of Long Term Care, was in a Dave Ramsey financial course. Of all of the things we learned in that course, LTC was the most complicated. Our Financial Planner set up a meeting with another LTCi Specialist but we just didn't connect with him and it became more challenging to wrap our heads around the whole concept and the nuances between different plans.

Sensing our frustration, our Financial Planner suggested a meeting with Janine. Rather than overwhelming us with several different plans, she did alot of listening and asking questions. She narrowed it down to a couple of plans, explained them thoroughly and then gave us time to mull them over and do some research on our own. We then went back to her to see if there was a plan that we could have paid off in 10 years so we wouldn't have to continue paying on it in retirement, Janine found the perfect Carrier for us and we are very happy with the LTCi plan we have signed with. We couldn't have done it without Janine and appreciate the time she invested in us.

Deb and Jim - Thank you very much. When folks first look into long term care planning many find this product confusing - as there is a lot to know and many options to pick from when we are healthy and can go shopping. Having access to all the best carriers and LTCi styles of coverage and knowing the ins and outs of all of them can be helpful to getting the perfect solution for your future. I am glad we were able to make this easy for you and appreciate your business.

Thank you for taking your time to get to know us, Janine. We really appreciate how well you knew and explained the various aspects of LTC. We are now in our 3rd year of our policies and could not be happier with the decision you helped us make. THANK YOU!!! Blessings to you and yours!

Thank you Ron - it is great to hear from you three years after working together as I want you and anyone I work with to know I am here to be helpful today and down the road too!

Janine Tate was so positive about the long term insurance questions I asked. She was not pushy about me buying. She understood why I was being very careful making a decision. There were several different options to compare and eliminate ones that did not fit my needs. She understood that I wanted to discuss it with my husband. I had to call her in the last few months in the evening to ask about a copy of my plan I chose. I was not able to find it at my home and was concerned it may have never come to me. She was so nice and told me to call the toll free number. The paper work came very quickly and they were also very nice. I would recommend her and the company to anyone making a big decision like long term care insurance.

Thank you Sharon - I am here for you not just through the underwriting process but through the years as well!

Janine worked with me for a long time to find me a product that would work in my situation. So for those of you who may not qualify for a standard LTC policy there is another way, a Critical Care product, that works well. She has always handled things in such a professional, caring way. I say "forget the rest, she is the best".

Thanks so much Kent - You are very welcome and I am grateful to ACSIA Partners in giving me access to many tools that may not always be available to others in the long term care plan space.

We thought LTC would be impossible for us - both over 70, both with many of the ailments that come with age. Janine persisted, found an option that worked for us, and held our hands through the process of applying. We would never have found a policy to fit us without her guidance. Thank you Janine!

MY Pleasure to help both of you and I am very pleased we were able to do so in such a creative way! I am so glad that ACIA Partners gives me the Solutions I need to help all kinds of needs and you were both a delight to work with.

Rarely do I endorse individuals or products because I expect them to do their job. However, every now and then an exceptional person comes along. A person that goes above and beyond the normal job. Janine Tate is such a person. When looking for a long-term care insurance, I was unhappy with the products I found. I reached out via the internet and the next day, Janine entered my world. She listened to my needs, then found an insurance company for me. She educated my husband and me, she described every step along the way, she followed up with phone calls and e-mails. She put a lot of time into making this a positive experience.

I cannot recommend her highly enough. When she says she is your "Agent for Life", she means it. Thank you, Janine. You are the BEST.

Thank you so much Connie! It is a real pleasure to have helped you both with your LTCi needs .... and I do mean it when I tell my clients that I am your Agent for Life ....

I greatly appreciate the work Janine did to get me into a policy that made sense for my current needs. Working with her was incredibly easy! Thank you Janine so much!! :):)

Thank you Renee - it is a pleasure to help you with the coverage that made the best sense for you. I am here for you down the road too! Janine

Janine was most helpful in describing the long term care insurance policy details and choices. She provided all the information I required to make my decision. She was helpful, attentive, and responsive to my questions and concerns as I developed the policy that was right for me.

I am very pleased that you are approved for this valuable coverage and glad that I was able to help you. It is so important that folks look at their LTCi coverage while they are healthy. And that they work with a LTCi Specialist such as myself, to not only find their best carrier based on their health - as underwriting is pretty picky - but that they like you don't put it off too long. So happy to been able to help you!

We knew little about LTC when we contacted Janine. She patiently guided us through the process while answering our questions and concerns. When we encountered difficulty in getting our medical records from our doctor's practice, she intervened to ensure that our records were made available. She is patient, friendly and helpful. One of the things we appreciate most is that she never made us feel pressured to make any particular decision about LTC. Exceptional in every way!

Thanks very much Howie and Bev. I am here to help you for a very long time and know that the carrier you chose will take very good care of you as well.

We did not know how the process worked or where to start in our search for LTCi. Janine was there to guide us through the whole process. She took the time to find out what we wanted and gave us options to help us find the right product. She is knowledgeable, efficient, friendly and helpful. She was always there to answer any questions we had. Having this taken care of gives us some added peace of mind.

Thank you Bill and Chris. Many folks are not aware about all of the choices they have when looking at long term care coverage, nor in how these decisions will affect they and their families at claim time. Being able to show them all of their options so they can make educated decisions is something I take pride in - and having all of these options to pick from with ACSIA Partners backing me is also helpful. I love the fact that no matter which carrier is best for you I get paid the same.

I have enjoyed working with and getting to know you. You are a wonderful and talented individual. The older I get, the smaller the world seems to become as we share common ground. Your knowledge and expertise in the LTCi field is exceptional. Thank you for all you do! Linda L.

I too have enjoyed working with you both - and I will be here to be there for you for many years to come....

Janine's assistance was very valuable in helping us obtain the right LTC policy for us. She was thorough and efficient. Always checking in with us to ensure we had all our questions taken care of. Her follow-up was timely and welcomed. I would recommend her to others looking for a LTC policy and in fact have mentioned her to a few other friends who might be considering getting a policy set up.

It is a pleasure helping both of you and Congratulations to you for getting approved at the very best rates in the LTCi Industry! You were very smart to be looking at this at a younger age than some folks do as underwriting can be a bit picky.

My husband and I are in our mid-fifties and like so many people our age, we found ourselves assisting and caring for our parents as they aged. That experience led us to think more carefully about the way that we wanted to approach our own potential medical and financial needs as we grow older. Long-term care makes sense for us and helps to protect our children's inheritance, should it be necessary for either of us.

Janine helped us understand our options and to navigate through the process as underwriting was a bit more difficult than we originally imagined. She researched appropriate options and found us a product that suits our circumstances well. She was always available and answered all of our questions and very helpful during the several months of underwriting. We are very happy to have this coverage and we highly recommend Janine to anyone who is seeking long-term care information....and for anyone reading this don't wait too long as the carriers are pretty picky about health issues!

You are very welcome Pat! I am very pleased that we were able to get you through underwriting, as some health concerns are harder to insure than others and as you descovered the carriers are not all alike in how they treat various health issues.... Always contact me down the road with any questions you or the family have.

We were extremely impressed with the knowledge Janine has regarding Long Term Care Insurance. She explained the options very clearly. She also was there through the whole process to make sure everything was done correctly and promptly. Sabrina and I will gladly recommend her services to our friends and family. Thanks Janine!

Thank you Greg - your business is very appreciated. I intend to be helpful not just today but down the road as well as I am your Agent for a very long time......

We would highly recommend Janine as a Long Term Care Insurance Specialist. She knows her stuff and was very helpful in getting us set up, we would have no problem recommending her to any of our friends and family in the future.

Thanks very much Sharon and Mike. It is an honor to be able to help nice folks like you plan for the future.

Janine was really great in helping my wife Carolyn and I through the maze of Long Term Health Care. We highly recommend Janine Tate and the most important thing to remember is to get started on this early. Don't wait because it only gets more expensive!

Thank you very much Dr. Brewer. Yes, LTCi is something that many folks do not look at soon enough - I am very happy that you both did! If you ever need help I am here for both of you now ... and down the road.

I started researching LTC insurance just out of curiosity after putting my grandmother in a nursing home. I am 41 and thought it was way too early for me to get coverage, but I just wanted to get some information. After talking to Janine, I realized that buying LTC insurance in my 40's was a wise decision. People who wait often have health issues arise that result in denying them coverage and/or pay a lot higher premium. I also found a plan that allowed me to pay the entire premium over 10 years so that I will no longer have any payments after I am 51! How nice it will be to have peace of mind financially as well as knowing that I will have options for care (Home Health, Assisted Living, or Nursing Home) based on my needs in the future. Janine was very knowledgeable and went over a variety of products and options with me until I found the one best suited for me. She is patient and always cheerful. I recommend anyone considering LTC to talk with Janine and see what might work for you!

Thanks Michelle - you are a very smart young woman to recognize this need and to lock this in while you are healthy. Younger people do not always realize that there is a huge whole in their financial portfolio called long term care. We work all our lives to have enough saved for retirement and without LTCi coverage that money we have saved is the first thing to go ... as you found out, LTC IS NOT COVERED under your health insurance today nor when you retire for the most part. So glad I was able to help you with this important coverage!

Thank you for showing me another way to look at bringing in money if I get sick. Janine your ability to find a product that makes sense for me and my family is huge - I want others to know that this "Critical Care" coverage I bought is absolutely perfect for my families history of cancer. I hope I never have to use it but even if it is not Cancer ... say a Stroke or Alzheimer's I will have the cash to pay for LTC or anything else I choose to someday. And that it will pay up to three times in my life is important to me as well. It's nice to know that other than just traditional LTC you work with all of the products available in the market these days. I loved having the option to choose what makes the most sense for me.

Female in Missouri

Yes I really think it is important to talk to a Specialist who works with all of the products and tools available in the industry - this is not cookie cutter for sure. Glad we are able to help you with what fits your specific situation best!

Thank you very much Janine for all of your help getting us through the underwriting process. We found you very knowledgeable and helpful in looking at all the possible options we have and helping direct us to the best coverage to fit our needs .... we do appreciate you and will let others know that you are great at what you do!

Ken and Nancy - it is always a pleasure to help - and know that you and your family have a solid plan of protection around you for what the future may hold -thanks very much and do let me know anytime down the road if I can be helpful...

Janine did an excellent job of explaining long-term care insurance options to us. She was very pleasant, prompt, informed, thorough and easy to work with. We had considered initiating a long-term care insurance policy for several years. Janine did a great job of helping us select the plan that was appropriate for our family. She scheduled convenient meetings, and she did not pressure us. We would highly recommend her to others who are looking for information about long-term care insurance options.

Mike and Leasa - thank you very much for the opportunity to work with you ... be sure to let me know even years from now if I can be helpful as I am your Agent for life.

Janine is one of a kind! She goes out of her way to make sure questions are answered and needs met! She does her research and has a wealth information. She is a great asset to her profession.

Thanks Cheri, It is with great pride that I help clients get through the underwriting process and help specifically fit the best options to fit folks needs.

My husband and I thought that we were young to be planning for long term care at age 52, but our financial advisor said it would be cheaper in the long run to get it now so she put us in touch with Janine. Janine was wonderful! She made sure that we understood how the policies worked, and even explained that we might not need as much coverage as we were asking for. We were able to look at her quoting software to find the best company for our needs. I am happy that we were able to work with someone so knowledgeable and sincere.

My pleasure - and both of you are very welcome. It is always an honor to work with someone who I have been referred to from someone as forward thinking as your Financial Advisor. Referrals are my biggest complement for a job well done and are always treated with great respect. Thanks again for the opportunity to help you!

Janine, we are very grateful for all of your help with our Long Term Care program and do appreciate your time and patience with us as we went through the process. Your diligence and help is greatly appreciated and we will certainly recommend you to all our friends and family. Thanks again for your help!

You are both very welcome - and very astute to have locked in your LTCi coverage in your early 50's ... not everyone I speak with has seen Care in their families but when we do we know how important this protection can be. Be sure to let me know down the road if I can be of help to you and those you know....

Congrats on being No. 1 in KS for volume of LTC policies written - you certainly deserve this recognition! You simply amazed me with your persistence in helping me conquer all the obstacles placed before me when I applied for a LTC policy last year ... and your persistence paid off. Thank you for not giving up on me - I'm sure any other agent would have. I feel much more secure & confident that my husband & I have protection against future health issues as we continue to age.

It is a privilege to have been able to help you through the process...and as discussed I am here to help you in any way I can down the road please let me know!

Thank you Janine! I am so relieved to be able to know my children will not have the same issues I have been dealing with - taking care of my mother, work and family .... I appreciate your help in keeping my LTC premium affordable and know that anyone who works with you will appreciate the professionalism and help you provide. I especially liked being able to save time and see all of my best Long Term Care Plan choices at once with the webinar you provided - very helpful!

You are very welcome - glad I was able to save you the most premium and get you the best and most coverage possible to keep this affordable for you.

My husband and I were looking to get LTC insurance for over 10 years. With my husband's medical problems, we were told by several agents that no one would insure him. She told me there are companies that will underwrite my husband with his medical condition. She helped me to understand what I need to look for and how much insurance I should get. She is very attentive to listening to my needs and showed me all of my best choices so I could decide what is best for my household. She is very patient and professional. She is not pushy like many sale people. With her help I was able to make the best decision for me and am very happy I worked with Janine on my LTCi coverage.

Many folks I speak with tell me that they appreciate my help in sorting through the LTCi carriers to see what is the best fit for them - so happy you personally received the very best Preferred Discount - good for you Angelique!

Janine has more knowledge about long term care plans then anyone we spoke too over two years of looking into LTC plans. Her professionalism and knowledge was very helpful to us and we are very happy with our long term care program. She also was very knowledgeable about our concerns about a health issue one of us has been through and was able to find the best carrier that was able to consider both of us for coverage.

Thank you Jean - as you discovered not all carriers have the same underwriting requirements so I am grateful we were able to cover you both with the same carrier.

We purchased Long Term Care Insurance with Janine's help last July. The personal care and communication with Janine and from Janine have been of the highest standards we have seen with any professional. She worked with us and introduced us to the best Long Term Care Insurance Company. We believe she helped us find the best company at the best price for our needs. We highly recommend to anyone who is looking for a person who will work hard for them and help them make some hard decisions to seek Janine Tate's help.

Debbie it is my pleasure to be able to help such nice folks as you. I appreciate the opportunity to help you find the best LTC coverage for your needs and know your carrier will take very good care of you. Congratulations to BOTH of you for receiving the Good Health Discount!

Specializing in Long-Term Care Insurance Solutions

Contact Janine Tate, CLTC for a FREE guide & consultation about how to preserve the quality of your life and finances by helping you to:

Receive care services in the comfort of your home
Protect your savings and other family assets
Choose who provides your care, and where

Janine Tate, CLTC

Licensed Insurance Agent
Specializing in Long Term Care Insurance Solutions

Overland Park, KS
Also Licensed in: CO, IA, MO, NJ, OH, TX, VA

Main Phone: 913-660-0488
Email: janine.tate@acsiapartners.com

Specializing exclusively in long term care planning for individuals and spousal/significant other discounts; executive carve out and employee/worksite applications providing underwriting concessions and group rates; tax qualified and state partnership plans where available.

Resources

2025 IRS Deductions

2025 IRS write-offs for business and individuals

Click Here

2024 IRS Deductions

2024 IRS write-offs for business and individuals

Click Here

More Tax Info 2024

Attention Business owners

2024 Tax Info Business

2023 IRS Deductions

2023 IRS write-offs for business and individuals

Click Here

Talk to Janine!

Schedule a 15 minute call about your Long Term Care Questions

A 15 min call click here

An interview with Janine

Long Term Care Insurance Trends – click below

Click Here for interview

Consider Coverage

Why you should consider long term care coverage

Click Here for brochure

Employee Benefits & LTCi

ACSIA Partners offers LTCi education and outreach for your employees - click below

LTCi Benefit Specialist

Your children and LTC

Interesting article from foxbusiness - click below

Children & Aging Parents

LTC.gov

LTC Statistics and Info from Health & Human Resources - click below

ltc.gov

Finding help for Dementia

Toolkit - Resources for those families dealing with Dementia - click below

Finding help for Dementia

Preliminary Health Review

Preliminary Medical and Health Review - click below

Preliminary Health Review

Care Support Network

Care Support Network Helpful information and Instructions - click below

Free for my clients - CSN

Women and Alzheimers

Women more likely to get Alzheimers - click below

Women and Alzheimers

About ACSIA Partners LLC

ACSIA Partners LLC is one of the largest distributors of long term care and related insurance products and services in the country. We are dedicated to offering quality long term care education, service and resources for the benefit of the consumer, employers and our agents.

We work closely with the top LTCi companies, complementing their customer service. Through our excellent carrier relationships, we can provide education, planning recommendations and resources that best meet your individual needs.

We understand the financial and emotional stress that caregiving can place on a family. Working with a specialist that can provide solutions for long term care is the key. Long term care may be the single biggest financial risk that most Americans face – it could be the one thing that could force you to spend your retirement savings. ACSIA Partners specializes in analyzing every consumer’s individual needs and financial situation to select the best plan at an affordable premium.

We Provide Unbiased, Side-by-side Comparisons
Of the Leading Carriers in Your State
With Experts Specializing in Long Term Care Solutions!

ACSIA Partners passion is to provide our clients with the best long term care insurance solutions, customized to meet their needs.

Get a Quote Here or Call Janine Tate, CLTC at 913-660-0488 to review available LTCI DISCOUNTS that may be available in your state.

Testimonials

Janine Tate is a jewel. She took two completely nervous clients and made us feel like she had known us for years as she walked us step by step through the overwhelming process of securing LTC and… Read More

Darryl Dickerhoff

Download Your Guide

Download the long term care guide, “Why You Should Consider Coverage" and I'll also provide you multiple quotes from our top carriers!

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Janine Tate, CLTC

LTC Insurance Solutions Specialist

Overland Park, KS
Also Licensed in: CO, IA, MO, NJ, OH, TX, VA

Janine Tate, CLTC

Specializing in Long-Term Care Insurance Solutions

Janine Tate, CLTC

Resources

2025 IRS Deductions

2024 IRS Deductions

More Tax Info 2024

2023 IRS Deductions

Talk to Janine!

An interview with Janine

Consider Coverage

Employee Benefits & LTCi

Your children and LTC

LTC.gov

Finding help for Dementia

Preliminary Health Review

Care Support Network

Women and Alzheimers

About ACSIA Partners LLC

We Provide Unbiased, Side-by-side Comparisons Of the Leading Carriers in Your State With Experts Specializing in Long Term Care Solutions!

Get a Quote Here or Call Janine Tate, CLTC at 913-660-0488 to review available LTCI DISCOUNTS that may be available in your state.

Testimonials

Download Your Guide

Download the long term care guide, “Why You Should Consider Coverage" and I'll also provide you multiple quotes from our top carriers!

Janine Tate, CLTC

Call Today:

913-660-0488

We Provide Unbiased, Side-by-side Comparisons
Of the Leading Carriers in Your State
With Experts Specializing in Long Term Care Solutions!