Todd Stein contacted me from ACSIA Partners, which in turn, was a referral from the United Church of Christ's Pension Board. He was very thorough and checked to ensure that I understood the value proposition of Long long-term care insurance and why Thrivent was the best carrier for my circumstances. He was extremely polite and thorough at all times, including discussing the base policy, various riders, and payment alternatives. He ran multiple scenarios for me and shared comparisons. I highly recommend him!

Excellent service, would (highly) recommend working with this company specifically Todd Stein as he was very helpful, informative, never misleading. We had personal questions which he answered with clarity and he processed our application in an extremely timely manner which we truly appreciated. Very professional, 5 stars, A+++.

After my dear Mother passed away in summer without a Long Term Care insurance, I realized just how important this coverage is even if you do have significant others to near you. Those family members may not have the capabilities to give an injection or the endurance to keep up with declining health. For this reason, when I connected with Todd and he was able to obtain coverage for me, I was overjoyed. In fact I took his call in the Safeway parking lot and now that location is now dubbed “Miracle at Safeway” because I am a type 1 diabetic diagnosed at age 12. I’m so happy! You will be too when you call Todd!

Todd did a wonderful job helping us obtain Long Term Care Insurance. I (Eli) have several significant health problems so Todd helped guide us to a hybrid plan that allowed us to get really good long term care coverage. Todd is extremely knowledgeable, comprehensive, conscientious, thorough, always readily available, responds so promptly, and made us feel as if he was a close family member helping us and guiding us through this process. Thank you so much, Todd!

I spoke with Todd Stein today regarding long care insurance for my wife and myself. We spoke for about 20 minutes. About halfway through the conversation, Todd said that most likely he couldn't help me. Knowing that he still talked to me for another 10 minutes providing advice as to what he thought I should do. Todd was knowledgable, polite, personable, and professional. I got a really good feeling about Todd in a very short period of time. Todd is what is known as a good guy. Sometimes they can be hard to find. Jeff

Thank you Todd, You did an Excellent job explaining and reviewing the different facets when making a decision to purchase Long-Term Care Insurance. I am currently an Registered Nurse so i understood the importance of making plans for myself. And the discussion and education you provided is by far "Top-Notch". Thank you for being personable, professional through your virtual demonstration on the products available and educating me on each. You made a difficult and often times complicated process a much easier process. I feel relieved to have my Long-Term Care insurance protection policy. Thank you again Todd.

Finding the right long term care policy is a complicated and time consuming procedure, but if you have a good long term care specialist working with you, that will be a completely different expirence - in a very good way. I am so lucky for having had Mr. Todd Stein as my long-term care specialist. I would say his knowledge and experience in this field combined with his caring, patient, understanding and responsible qualities make him one of the best long term care specialists. He listened to my needs and found the policy that suited me the best. I want to use this opportunity to say “thanks” to Mr Todd Stein. Tina

Todd Stein is a professional in the field of LTC. He not only has a full array of products, he also has a full understanding of each of those products. He works hand in hand with the client to find the need and fit the product / solution to that specific need. He is patient, yet persistent and that is a perfect combination when dealing with matters that are this important. I highly recommend Todd Stein.

Todd is very knowledgeable about the long term insurance policy. We are in our mid 40s and had held off on our decision for acquiring a LTC policy for the past five years. After 5 months of due diligence with Todd, he addressed all our concerns which ranged from financial stability of an insurance company to speaking with a claim manager from the LTC company. We finally committed to purchase a LTC insurance policy from Todd. He has exceeded our expectations, and we are completely satisfied with his knowledge and world class service. We can now sleep better at night knowing that we can leave this world with dignity without burdening our children. I highly recommend his service to new clients.

I submitted a form indicating my interest in a Long Term Care quote and Todd reached out to me. I already have LTC insurance but the premiums were going up quite a bit so I was interested in seeing if there was a more economical plan. Todd was extremely helpful in discussing the options with me. He seemed genuinely concerned about helping me make the right decision for me and my wife rather than selling me on a new policy. In the end, thanks to his advice, I will keep what I have and make some small adjustments that will save a few bucks, but if I were just in the market for LTC insurance, I would definitely use Todd. He was very knowledgeable and quite generous with his time. Much appreciated!

Todd made the entire process very straight forward. He did a great job explaining all the information that was required to navigate long term care insurance.

We were referred to Todd by an adviser and are grateful for the introduction. Todd is passionate about long-term care and he understands the mechanics of the various products and policies available to consumers. He always listened to our questions and explained the “what ifs” clearly and patiently. Thorough, organized and responsive.

knowledgeable prompt responses
loves what he does for a profession
helps the client through the whole process
highly recommend this agent

Todd was more than diligent and thorough with what turned into a complicated policy. We are certain we can contact him in the future with any questions even though the policy has been written and completed.

We shopped around for long term care insurance. I contacted Todd from the AARP recommendation and was not disappointed. Todd offered the best prices and by far the most thorough understanding of the product. At one point, his intimate knowledge of the product and the purchasing process saved us a ton of money. He is very responsive and never delayed the timeline. LTCI represented a major and complicated purchase for us and Todd was very respectful of our time, questions, and circumstances. All emails were answered promptly and when I couldn’t respond right away, I received a gentle reminder that was not at all overbearing. Todd walked us through the entire process from start to finish and has remained in touch after the sale. I really couldn’t ask for a better representative.

We took a long time to decide and through it, Todd was patient, professional and very responsive. He made it an easy process for us.

Todd Stein has been a godsend in a turbulent time. He shepherded us through the insurance fine print expertly and sold us the best possible policy. But he didn’t disappear after we bought the policy; after I had my stroke he helped us use the policy we bought most effectively. Eight months later, he’s still there offering expert advice and compassion. If you’ve ever considered purchasing insurance, called Todd Stein. He’ll be there for you.

Todd rocks! After I flaked out on our first phone appt. and being too embarrassed to call back, he waited a discreet few months and called again. Today I have a full policy in effect and never have to worry about my only child having to change my adult diaper etc. No joke. Todd knows his business. Period.

Todd was excellent in helping us understand Long Term Care Policies and in choosing which policy is best for our future needs. He is very responsive and accommodating every time we had a question or concern. We felt very secure and satisfied with our policy. We will definitely recommend him to family and friends who are looking into LTC policies.

I appreciated Todd’s approach to helping my wife and I decide on something important that we’ve delayed for years. He’s thorough and takes time to ensure we were fully informed and leaving us to decide, with no pressure. Look forward to recommending him to family and friends who need to this as well.

My husband and I were guided very skillfully by Mr. Stein in this complex process. I appreciate his patience, attention to detail and excellent organization skills. Todd was able to listen to our needs and concerns and deliver a product that we believe will give us peace of mind for a contingency that none of us likes to dwell on.

We had questions and we were afraid to get it wrong. Todd worked with us. He answered questions and more questions. He made suggestions and helped us work out what we needed and how best to accomplish it. Again, we were afraid of making the wrong choice. He answered more questions until we felt confident that we were buying the right insurance for us. He was exactly what my engineer husband needed as far as the facts go and what I needed as far as reassurance goes. Thank you Todd!!!

Todd was very organized. He kept us on track once we knew we wanted to go with him. Everything went smoothly and as expected. We were both approved and can now rest easier knowing that our two boys don’t have to care for us later in life or if something were to happen earlier. That is something we are very grateful for. Todd explained the benefits of this policy and we were relieved to know this product was available to us. We would recommend his services for all of our friends and family.

Todd is well versed in LTC Benefits and Riders. His focus was “Our Needs” and did several comparison proposals to enable us to understand the cost and benefits of the insurance. I know you will be pleased with his manner and eagerness to accommodate scheduling and providing accurate information.

Todd did a great job with us on our long term health insurance. He was responsive to all our questions, not pushy, gave options and easy to work with. He was very much on top of the details so everything went through smoothly and on the first submission. I highly recommend him.

Todd provided my wife and I with a thorough and timely review of LTCi and our options. He’s professional, courteous, and extremely knowledgeable and matter of fact. We appreciated his posture helping us determine the best solution for our needs. There was absolutely no pressure, which is exactly why we’ve decided to work with Todd long-term. We highly recommend Todd.

Todd called me as soon as I inquired about LTCI. He had quotes and all the information I needed immediately. Todd is knowledgeable and very easy to work with. I would highly recommend Todd Stein for your LTCI needs.

First off, I wasn’t able to get a policy through Todd because of previous cancer. BUT, we worked through where I could! What a pro.

Todd is exceptional. He is well versed in top-market policies, insurance company positioning and premium trends. Personally, he understands the cost and commitment of insurance purchase for his clients and dives fully into churning numbers and generating specs to offer best-suited ideas and options. He follows client policy purchase from start to finish, reviewing final policy content to confirm client’s coverage is as expected. He will not hesitate to contact an insurance company about any underwriting delay or process hiccup. Todd is not intimidated by the scope of work or time required in providing top-level service. He truly cares for his clients and holds them in impressively capable hands. His work is amazing and he’s a pretty neat guy.

I have an LTC plan already in force – for over 15 years – and asked Todd to see whether or not I should keep it or get a new one given all the new types of LTC in effect. He was very honest with me and told me to keep it He did not do a hard sell, was very prompt at calling me back, explained to me why what I had was worth keeping, etc. I would consider him on my future insurance needs.

Very honest with me, even though I did not ending up using him, he gave me his thoughts on the plan that I already had. Not many people would be as honest as Todd was. I would recommend him based on his honesty and knowledge of Long Term Care Ins.

Todd Sein is very professional. He walked us through the application process, answered all of our questions and stayed in contact with us while we were waiting for our approval. We appreciate Todd and would definitely recommend him to family and friends. Ron and Kim Schroder

I found Mr. Stein to be the ultimate professional when working with me to provide me with Long Term Care. He was patient and provided information when requested. In addition he sent additional information he thought would be helpful during the holidays. He was always available to assist. I recommend him highly.

Todd Stein has been my long term care agent for about eight years. He is always well informed, professional, and caring during our infrequent communications. Just as important he responds immediately to any question. I highly recommend him.

Todd is very knowledgeable on all aspects of life insurance and long term care insurance. He spent the time explaining all the details to us, sometimes more than once. Todd was a pleasure to work with and we highly recommend him for all your long term care insurance needs. He did a great job setting us up with a life insurance policy with a long term care rider which covers all our needs for each other and relieves our kids of taking care of us should we need long term care. Thanks much Todd for all the time you spent with us and for providing policies that fit our budget and covers our long term care needs. Dana & Ray

Todd gives 110% to the process of getting Long Term Care Insurance. He worked hard from start to finish to advocate for me in getting LTC. The whole process was done remotely through phone calls and computers. Todd is an expert on LTC and explains things clearly and fully. He makes calls to all the right people during the process should there be any difficulty. He is an excellent LTC agent and I greatly appreciate all the help he gave me. I highly recommend him to anyone looking for Long Term Care Insurance.

I feel very fortunate to have found Todd to get me through the process of obtaining my important LTC insurance. And we were able to conduct this business entirely over the phone and computer! Todd is professional, knowledgeable, great communicator and informative. It was great to deal with a personable expert. Thank you Todd.

Todd was super helpful to us with Long Term Health Care decisions. He knows his business well and made the process very smooth and efficient for us over the phone and on line. Todd returns calls promptly and follows up to ensure that nothing is falling through the cracks.

Todd was very helpful when we were ready to buy LTC insurance! He’s very knowledgeable about assisted living and the costs, and was able to steer us to the right policies with decent, affordable coverage. He took the time to lead us step-by-step through the application process to ensure that there were no mistakes and that everything happened in a timely fashion. We’re so appreciative of his help. We’d recommend him to anyone who’s looking into LTC insurance!

Todd took plenty of time with us to explain all of our options and helping us to find the one that best fit our situation. He was available to answer all of our questions while we were making our decision.

When looking for long-term care insurance we were helped tremendously by Todd. He knew the products and got us set up. Five years later I decided to compare what we had with another agent to see if there was a better deal. That is when I found out what a great job Todd had done .The other agent said” Whoever gave you this insurance did a great job. I cannot offer you anything better.” When I said it was Todd Stein she knew him and was very complimentary of his expertise.

We had an excellent experience purchasing our long term care insurance through Todd. Our previous advisor did not master the complexity of LTC offerings and had misled us regarding the options that were actually available to us. Todd knows the business inside out. He explained all the information in a clear in-depth manner which made us very comfortable with our final selection. He has endless patience and was never too busy to answer our numerous questions. We give him 10/10 and would recommend him without hesitating. We feel extremely fortunate to have met Todd when we did. He delivered what he promised and we are pleased with the outcome.

Knowledgeable and easy to talk with helpful advice

We were very happy with Todd Stein. He got back to us promptly even on the weekend. He made us comfortable, and strived to give us the best policy to meet our needs and budget. I would recommend him to anyone for Long Term Insurance, he was very knowledgeable about the carriers and policies. He jumped in and took over to handle a name change that we had where the health insurance hadn’t updated their records yet.

Todd was very detailed-oriented and thorough in his explanations of what we were purchasing. He was readily available to answer all of our questions. His on-line web presentation also excellent. We enjoyed working with Todd. We highly recommend Todd as a trustworthy agent in purchasing long-term care insurance. We also recommend Todd Stein to our close friends.

Todd Stein is not a salesman who pushes purchases; he’s a compassionate man who wants to help people. He has a family history of seeing those needing long term care. It is his personal experiences that drives him to satisfy your family needs. It’s not about sales, it’s about what is needed. Todd is very competent and will advise you to do what is best for you and your family. He fights for what is right! Even after my wife and I had decided the best options specifically for us, Todd insisted on helping my father who already had insurance. Todd had nothing to gain by helping my father, but he wanted to make sure my father was treated as he should be treated. Todd is truly caring of you and your family needs, independent of commission checks. My wife and I could tell quickly; he is the one expert who we could trust to guide us on the best path. My wife and I encourage you to give him a chance. You will be glad you did.

Todd is terrific! If you are like me and find health care insurance complex and confusing and need to get to the bottom-line in make choices, he’s the agent for you.

Todd Stein did an excellent job explaining all the different kinds of insurance policies available for long term care insurance. He was very patient and guided us through each step of qualifying for this insurance with follow up emails. His pre interview help narrow down what we were looking for so that Lois and I were not over whelmed so many different kinds of policies. I feel very comfortable and positive about the policy we purchased. I feel this policy will work well for us when we have to use it. Thank you again for your patients. Doug & Lois

After our financial planner advised us to seek out a Long Term Care policy, my wife and I started looking for help on the internet. That led us to three different resources. The first agent seemed not to care whether he helped us or not. The second agent (actually a group of agents who tried to triple-team us) tried to sell us an extremely expensive policy with way too many bells and whistles, and when we made it clear that we were not in a position to afford such a policy, they quickly lost interest. Todd Stein was very different. He took the time and effort to ask enough questions to determine exactly what we needed and then he presented just the right options to allow us to make the best decisions. He carefully walked us through the application process and kept in touch until we were finally approved for a very good policy at a very good price from our company of choice. Todd is open, honest, friendly, down-to-earth, knowledgeable, professional, and very easy to talk to. If I could give him ten stars, I would gladly do so.

I rate Mr Todd Stein 5 + stars. He has been an exceptional excellent agent. Todd went through every details of our proposed insurance programs. He was patient and clearly explained all details. He showed us all differences in each scenario. He is knowledgeable, honest, friendly and very hard working. I introduced Todd for other friends and relatives. All gave him a very high scores.

Todd is very professional, knowledgeable and great to work with. He was very thorough in explaining everything and presenting all my options. He walked me through the process every step of the way, and was great in keeping in touch with me through email/phone calls and letting me know what was happening. I highly recommend Todd Stein for all your needs in Long-Terms Care Solutions.

Great to work with. Was very thorough in explaining everything and presenting all our options. He walked us through the process every step of the way, and was great in keeping in touch with us through email and letting us know what was happening.

Thank you so much for your time and information. You have eased our minds. We will recommend you to everyone

My search for a long-term care provider resulted in more questions than answers and more confusion than clarity. I had no idea of how complex the process can be. Then I found Todd, who gave me exactly the guidance I needed. Links sent before our meeting provided an excellent overview and education, as well as enabling me to ask relevant questions. Todd is direct and focused while being friendly and accessible. From the beginning I had a strong sense of his personal integrity. I especially appreciated the virtual screen-sharing environment that allowed me to make important decisions at home in my jammies! Seeing major carriers side-by-side in a comprehensive table was most beneficial. During our meeting Todd pointed out several options well suited to my needs that I may never have discovered on my own. A huge plus is that Todd and his fellow agents have no vested interest in selecting one insurance provider over another. In short, I am thoroughly satisfied with the person and the process. I wholeheartedly recommend Todd to anyone seeking LTC insurance.

Todd: you made a complicated process very simple for an extremely busy person. I am a manager in the health profession, so I have long days at work. I sincerely appreciate your patience and ability to work so efficiently around my busy schedule. Thank you so much for your support and assistance during this process. Your knowledge is truly amazing and I feel as if you guided me towards a very reasonably priced long-term care plan. Best regards, Jessica

Thanks for all your help Todd, we appreciate it. I hope all goes well and we can get ourselves covered, honestly I think this is a great solution to possible down the road problems. Mark

Congratulations on your recent milestone in the LTCI industry . Most insurance producers in a lifetime never help as many clients as you have in your intitial years as a specialist. Most significantly, this past year no one has apparently been in a position to respond to and assist as many consumers- who prefer not to have a "salesman" come in to their homes and attempt to sell them one product vs another. Your virtual on line appointments, screen sharing opportunities that put major carriers side by side on a level playing field , is clearly the manner in which today's consumers prefer to be educated, so they may resolve this challenging issue. Your clients are fortunate to have found you!

Todd, thank you so much for the time you spend helping people plan for long term care. You are a true professional. Denise

Todd Thank you very much for your help during our research phase with a very effective and efficient presentation and discussion, and during the application process when we had a potentially important development pop up. We were very happy to follow Todd's recommendations and pursue a LTC policy through him. Todd has been very helpful, supportive, professional, respectful and responsive, and we greatly appreciated it!

Hello Todd, Thanks for a nice meeting. I think yours is a good idea. Very informative. I appreciate it. Thanks.

Working with Todd was a pleasure. He was very personable, knowlegeable, and informative, patiently guiding us through the process and answering our questions. Through his excellent assistance we have been able to apply for an affordable long term care product tailored to our needs. We would highly recommend Todd to anyone.

Todd Your presentation to well over 50 participants was extremely clear and informative....we all came away with a better understanding of how this risk should be perceived and addressed, logically. And your sincerity and genuine concern underscored each of your suggestions and approaches relating to what can be a challenging topic. Thanks again for sharing and educating! Regards Gene

Todd has helped in educating ourselves on long-term care planning. He is very informed. All of our concerns and questions were met with thoughtful and clear answers. I highly recommend Todd to anyone seeking long-term care solutions. Thanks for all the help with our policy!!

Todd, we want to share how appreciative my wife and I have been with your dedication to ensure we were well taken care of as clients. I was not too familiar with the intricacies of Long Term Care insurance and you were simply indispensable. Thank you for: * Educating us about Long Term Care insurance * Understanding our needs/concerns regarding insurance * Having the patience to listen and answer "all" questions thoroughly * Guiding us through the whole process always there to assist * Helping us to pick the right insurance that balanced our needs and affordability * Caring We highly recommend you for anyone needing or wanting to be educated on this area of insurance support for the family. Thank you Todd, Brian & Kathleen Quint

Just wanted to thank you, Todd, for all your efforts in getting us long-term care insurance. You really went to bat for us, going "above and beyond the call of duty." We appreciate your patience and the information you provided us to help make our decision. We will definitely pass your name on to friends who might be considering getting long-term care insurance. Thanks.

Specializing in Long-Term Care Insurance Solutions

Contact Todd Stein 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

Todd Stein

Licensed Insurance Agent
Specializing in Long Term Care Insurance Solutions

San Francisco, CA

Main Phone: 415-861-5088
Email: todd.stein@acsiapartners.com

My passion for long-term care planning comes from my own family experiences, which made clear the value of this often missing or misunderstood part of any basic retirement strategy. I saw the importance of having a plan in place when my grandfather needed care for 20 years after a stroke at age 73. Then my grandmother, after the loss of her husband, ended up in a nursing home with dementia for 13 years. Neither of them had a plan to protect their assets, ensure their quality of care or relieve pressure on family members who were responsible for their care. As one of the nation’s top insurance agents specializing in long-term care planning solutions, I am a relationship builder who is uniquely qualified to serve the needs of my clients, whether looking at traditional long-term care insurance or asset-based long-term care solutions. I am a licensed agent affiliated with ACSIA Partners LLC, a national agency representing the major carriers with an ongoing commitment to the industry.

Resources

Click Here

Nationwide CA

Nationwide Care Matters II CA Client Brochure

Click Here

Mutual of Omaha CA

Mutual of Omaha Custom Solution CA Client Brochure

Click Here

Thrivent CA brochure

Thrivent CA Client Brochure

Click Here

Wealth Legacy Podcast

Host R.J. Kelley and guest Todd Stein discuss what long-term care insurance is and why you might choose to own it

Click Here

About xACSIA Partners Insurance Agency LLC

xACSIA Partners Insurance Agency 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. xACSIA Partners Insurance Agency LLC 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!

xACSIA Partners Insurance Agency LLC 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 Todd Stein at 415-861-5088 to review available LTCI DISCOUNTS that may be available in your state.

Testimonials

Excellent service, would (highly) recommend working with this company specifically Todd Stein as he was very helpful, informative, never misleading. We had personal questions which he answered… Read More

Dave & Jan Larson

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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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Todd Stein

LTC Insurance Solutions Specialist

San Francisco, CA

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In California, xACSIA Partners Insurance Agency LLC, CA lic. 0I72696, Head office Kirkland, WA | Todd Stein, CA lic. 0G48818

Todd Stein

Specializing in Long-Term Care Insurance Solutions

Todd Stein

Resources

OneAmerica Claims

Thrivent Client Brochure

OneAmerica Annuity Care

OneAmerica Claims

OneAmerica Asset Care CA

Manhattan Life Home Care

Manhattan Life OmniFlex

OneAmerica Asset Care

Nationwide CA

2025 IRS Deductions

New York Life Asset Flex

Securian SecureCare CA

2024 IRS Deductions

OneAmerica Annuity Care

OneAmerica Annuity Care

OneAmerica Annuity Care

OneAmerica Annuity Care

Mutual Of Omaha CA

NGL

Lincoln CA

Nationwide CA

Mutual of Omaha CA

Thrivent CA brochure

Wealth Legacy Podcast

About xACSIA Partners Insurance Agency 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 Todd Stein at 415-861-5088 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!

Todd Stein

Call Today:

415-861-5088

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