LTC Financial Partners, LLC (LTCFP), based in Kirkland, Washington, is one of the largest long term care insurance agencies in the United States. Its field is one of growing importance as millions of Baby Boomers reach retirement age, and as health reform acknowledges the care needs of an aging population. The company also offers hybrid policies that combine long term care benefits with features of annuities and life insurance; long term care education; and reverse mortgages. (The rest of this article needs updating.)