Resources
Tools to Help You Decide.
Guides, checklists, and calculators — organized by category so you can find exactly what you need. Always education-first.
Resource Library
Guides
Youth Sports Families Guide
Coverage considerations for active families and student athletes.
Understanding Your Health Plan Options
SoonA plain-language walkthrough of HMO, PPO, and EPO plans and how to compare them.
Coming soonMedicare, Explained Simply
SoonHow Parts A, B, C, and D fit together and what to know before you enroll.
Coming soonLife Insurance 101
SoonTerm vs. permanent coverage and how to think about the right amount.
Coming soonResource Library
State Guides
California Guide
SoonHow coverage, carriers, and enrollment work in California.
Coming soonNevada Guide
SoonHow coverage, carriers, and enrollment work in Nevada.
Coming soonTexas Guide
SoonHow coverage, carriers, and enrollment work in Texas.
Coming soonWashington Guide
SoonHow coverage, carriers, and enrollment work in Washington.
Coming soonResource Library
Checklists
Turning 26 Checklist
SoonWhat to do when you age off a parent's plan — step by step.
Coming soonNew Baby Coverage Checklist
SoonCoverage steps to take when your family grows.
Coming soonOpen Enrollment Prep Checklist
SoonGet organized before enrollment season opens.
Coming soonAnnual Review Checklist
SoonA yearly once-over to make sure your coverage still fits.
Coming soonBusiness Owner Coverage Checklist
SoonCoverage to review as you start or grow a business.
Coming soonResource Library
Calculators & Comparison Tools
Find My Agent
Match with an LTN advisor by state, specialty, and language.
Medicare Plan Comparison
Compare Medicare approaches side by side.
Premium Subsidy Estimator
SoonBallpark the marketplace subsidy you may qualify for.
Coming soonLife Insurance Calculator
SoonEstimate a coverage amount that may fit your goals.
Coming soonHSA Contribution Calculator
SoonSee how much you may be able to set aside in an HSA.
Coming soonIRMAA Estimator
SoonUnderstand how income may affect your Medicare costs.
Coming soonMedicare Penalty Estimator
SoonSee how late enrollment can affect what you pay.
Coming soonSmall Business Contribution Calculator
SoonModel contribution options for a small group plan.
Coming soonHousehold Income Estimator
SoonEstimate the income figure the marketplace uses.
Coming soonResource Library
Downloads
Annual Insurance Review Workbook
SoonA printable workbook to review your coverage each year.
Coming soonCoverage Comparison Worksheet
SoonA printable worksheet to compare plans side by side.
Coming soonNew Parent Insurance Planner
SoonA simple planner for coverage as your family grows.
Coming soonBusiness Owner Coverage Checklist
SoonA printable checklist for building team benefits.
Coming soonTurning 65 Workbook
SoonA workbook to prepare for your Medicare transition.
Coming soonOpen Enrollment Calendar
SoonKey dates to keep enrollment season on track.
Coming soonHealthcare Budget Planner
SoonA template to plan for premiums and out-of-pocket costs.
Coming soonResource Library
Videos
How We Work With You
SoonA short intro to the LTN Collective education-first approach.
Coming soonMedicare in 5 Minutes
SoonA quick primer on the Medicare basics.
Coming soonResource Library
Client Services
Secure Document Upload
Send documents securely through Verifyle.
Contact Us
Reach out with a question and we'll follow up.
Appointment Request
SoonRequest a time to talk through your coverage.
Coming soonAuthorization Forms
SoonForms that let us help on your behalf.
Coming soonResource Library
FAQs
Pricing & How We're Paid
How we're paid and why our guidance carries no separate fee.
Common Coverage Questions
SoonAnswers to the questions we hear most often.
Coming soonResource Library
Glossary
Insurance Terms, Defined
SoonPremium, deductible, coinsurance, and more — in plain English.
Coming soon