# LTN Collective

> Modern insurance guidance for health, Medicare, life, and supplemental coverage. Client-first, clear, and led by founder Lisa T Nguyen and the LTN Collective team.

## Pages

- [Home](/): Modern insurance guidance built around people, systems, and care.
- [Who We're Looking For](/who-were-looking-for): The mindset and backgrounds that thrive on our team.
- [Apply](/applications): Apply to work with LTN Collective as a licensed or aspiring insurance agent.
- [On Our Team](/on-our-team): Meet the people behind LTN Collective and book time directly.
- [Lisa T Nguyen](/lisa): Founder profile, background, and booking link.
- [Youth Sports Parents](/youth-sports-parents): Supplemental accident coverage for youth sports families.
- [Contact](/contact): Send a message to a member of the team.
- [Privacy Policy](/privacy): How LTN Collective collects, uses, and protects information.
- [Terms of Use](/terms): Site terms, educational purpose, and insurance disclosures.

## Resource Center

- [Resource Center](/resources): Guides, articles, checklists, worksheets, calculators, and forms — organized by content type.
- [Understanding Your Health Plan Options](/resources/understanding-your-health-plan-options): A plain-language walkthrough of HMO, PPO, EPO, and POS plans — how they differ, and how to choose the one that fits how you actually use care.
- [Life Insurance 101](/resources/life-insurance-101): The essentials of life insurance — term vs. permanent coverage, how much you might need, and how to think clearly about protecting the people who depend on you.
- [Turning 26 Checklist](/resources/turning-26-checklist): A step-by-step checklist for getting your own health coverage when you age off a parent's plan at 26 — so there's no gap.
- [Medicare Turning 65 Checklist](/resources/medicare-turning-65-checklist): A step-by-step checklist for enrolling in Medicare around your 65th birthday — the deadlines, decisions, and how to avoid late-enrollment penalties.
- [Business Owner Insurance Checklist](/resources/business-owner-insurance-checklist): A checklist of the insurance a business owner should review — from protecting the people who work for you to protecting yourself and the business itself.
- [Annual Insurance Review Workbook](/resources/annual-insurance-review-workbook): A printable workbook that walks you through a yearly review of every policy you carry — so your coverage keeps up with your life.