About LTC Tree
Independent long-term care insurance brokers helping families navigate their options since 1999.
Meet Our Team
Independent long term care insurance specialists helping families shop the entire market since 1999.
Darrick Wilkins
Co-Founder & Co-President
- Economics, University of Georgia
- Licensed in all 50 states
- Based in Atlanta, GA
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Drew Nichols
Co-Founder & Co-President
- Economics/Finance, Clemson University
- Licensed in all 50 states
- Based in Boca Raton, FL & Carlsbad, CA
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Rob Ritger
West Coast Sales
- Licensed LTC Specialist
- Based in Los Angeles, CA
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Our team includes licensed specialists across the country with decades of combined experience in LTC planning. Every member of our team is committed to helping you find the right coverage at the right price.
The Smart and Easy Way to Shop for Long Term Care Insurance
LTC Tree is a nationwide network of independent agents working with all major Traditional and Hybrid LTC Insurance companies. We shop the entire market to find the best company at the best price — so you don't have to.
As independent brokers, we aren't tied to any single carrier. That means our recommendations are based entirely on what's best for you and your family, not what's best for an insurance company.
Years of Expertise
Families Served
LTC Quotes Generated Daily
Licensed Nationwide
A Balanced Approach to LTC Planning
We recognize that many policyholders never use their long-term care coverage. That's why our agents focus on finding the equilibrium between adequate protection and affordable premiums.
Our goal is to insure the majority of your risk while keeping premiums down — saving you thousands of dollars over the lifetime of a policy. It's not about selling the most expensive plan; it's about finding the right plan.
Our Story
LTC Tree's roots trace back to 1995 in North Atlanta, Georgia. Drew Nichols founded one of the first web-hosting companies in the United States, ValueTech, bringing cutting-edge technology to the early internet era.
Around 1999, his cousin Darrick Wilkins established LTC Tree with a singular vision: bring modern technology to the long-term care insurance industry, making it easier for families to compare options and find the right coverage.
In 2005, the cousins merged their companies, combining Drew's technology expertise with Darrick's deep insurance industry focus. Together, they created a patented virtual LTC buying process that has since helped over 100,000 families protect their financial futures.
Our Guiding Question
“How would we want to be treated if we were buying LTC Insurance?”
That simple question led us to two commitments that guide everything we do:
Objective Advice
Honest, transparent guidance on all companies — not just the ones that pay us the most.
No-Pressure Environment
Review your quotes at your own pace, on your own time, in the comfort of your home.
How We're Different
Our virtual-first approach puts you in control of the process from start to finish.
Virtual-First Process
No home visits, no pressure. Our patented virtual buying process lets you research and compare from the comfort of your own home.
Side-by-Side Comparisons
Receive FedEx or email quotes from 5–6 blue-chip carriers, with side-by-side cost comparisons so you can review at your own pace.
Independent Broker Model
We have access to every insurance company on the market — not just one. We objectively point out the pros and cons of each product.
Objective, No-Pressure Advice
We pull the curtain back and show you every company on the market and objectively point out the cons and pros of the products.
What Our Clients Say
Hear from families we've helped protect their financial futures.
“In the end my husband and I selected a policy for about a third less... with better home coverage.”
“LTC Tree staff showed great perseverance and dedication. There was continual, timely communication.”
“LTC Tree explained everything to us so well, and kept us informed throughout the process.”
“LTC Tree made the journey into old age less stressful knowing I have full protection.”
Ready to Explore Your Options?
Let our independent brokers shop the entire market for you. Get a free, no-obligation quote and see side-by-side comparisons from top carriers.