Pathwork helps LTCI Partners, a division of NFP, an Aon company, simplify the complexities of long-term care sales by thinking like an underwriter, shaving days off response times and giving advisors the speed and clarity they need to move cases forward.

Pathwork handles more than 18 of LTCI’s appointed carriers across traditional long-term care, linked benefits, and short-term care products. Before Pathwork, eligibility assessments had to be done one-by-one for each carrier. A process that could take hours per case. Now they’re all done simultaneously, in minutes, providing more depth than ever before.

Cutting Response Times from Weeks to Hours

Long-term care insurance is one of the most specialized lines to distribute. Nuanced health histories detailed pre-qualifications, and carrier-specific underwriting rules often slow down the process and create frustration for producers.

That complexity comes with a challenge: efficiency. When every case requires detailed health information and multiple carrier touchpoints, the process can easily drag. For LTCI Partners, the value of Pathwork isn’t just speed, it’s about showing up for producers with clarity, confidence, and support at the moments that matter most.

“Pathwork is a game changer. We’ve shaved days off pre-qual, which helps us stay top-of-mind with producers. Now, we help them position solutions and move cases to ‘yes’, rather than just chasing down eligibility.”

— Michelle Domino, VP of Operations, LTCI Partners

Tech That Thinks Like an Underwriter

Pathwork mirrors the way underwriters think: prompting for details that often get overlooked and surfacing the kinds of questions that ultimately determine eligibility. By uploading a client’s comprehensive health questionnaire along with their medical records into Pathwork, the LTCI Partners team gains instant feedback on what underwriters are likely to flag.

This makes their intake sharper, their responses more thorough, and their confidence stronger when positioning solutions with producers.

“When we upload a client’s health information into Pathwork, we can see the additional questions underwriters are likely to ask. It gives all of us a clearer understanding of what they’re looking for, makes us sharper, and helps us be more thorough in our answers.” 

— Liz Quinn, Sales & Business Development Manager at LTCI Partners

Seamless Pre-Qualification Workflows

In June, Pathwork launched an end-to-end solution to draft, send, and manage all pre-qualification requests to carriers. Previously, the LTCI team had to manually write emails to each carrier, track responses, organize feedback, and keep producers updated throughout the process.

Now, Pathwork provides a one-stop-shop for all Pre-Qual workflows. After ingesting a health questionnaire, Pathwork generates a detailed email and sends it to all carriers with just two clicks. As responses come in, Pathwork tracks every decision and compiles them into an exportable report that can be shared directly with producers.

“I typed in a question — something like if bankruptcy impacts applying — and Pathwork surfaced the answer right away. A lot of underwriting guides don’t even have that, but I was able to send it to carriers instantly and save time.”

— Liz Quinn, Sales & Business Development Manager at LTCI Partners

Faster Responses Mean Stronger Relationships

For producers, the difference shows up in faster responses and fewer delays. What once took days of waiting for carrier replies is now handled in hours, keeping LTCI Partners top-of-mind and helping advisors move cases forward quickly.

Together, these efficiencies mean LTCI Partners can focus less on chasing down eligibility, and more on helping producers position solutions and move cases to “yes.”

About LTCI Partners

LTCI Partners (a division of NFP, an Aon company) is a national brokerage firm focused on helping financial professionals offer long-term care insurance solutions to their clients. With deep expertise, dedicated operations support, and strong carrier relationships, LTCI Partners simplifies the complexities of LTC distribution and helps advisors deliver protection strategies that matter most to families.

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