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About Us

Who is Berger Abrams Insurance?

Through California Long Term Care Insurance Services, Inc. (CLTC) and its sister company Northstar Network Insurance Agency, we help families achieve their long range goals. Northstar provides policies nationwide while CLTC is the largest independent specialist long term care agency in California.

Representing many of the top long term care insurance companies we have the ability to custom-tailor a plan to a client’s individual needs.

Long term care insurance has become a very complicated product to understand. We believe you deserve expertise to guide your long term care decision, just as you would utilize the expertise of an attorney to guide your estate planning.

Susan Berger Abrams, MHA

During the past 17 years, Susan has helped over one thousand clients preserve their finances, dignity, and independenceby helping them understand their long-term care planning options. Her expertise has helped many small businesses and corporations take full advantage of the favorable tax incentives afforded under certain Internal RevenueCodes for the purchase of tax qualified LTCi policies.

Her client base now reaches across the country, as she employs “webinar” technology to work with her client’s extended family members outside of California. She is licensed in multiple states. Her knowledge, skill, and experience in this increasingly complex niche market have been recognized annually at “top producer” conferences.

Her interest in long-term care evolved as she completed her Masters Degree in Health Care Administration. She believes in educating prospective clients so that they are able to make an informed decision as to how they want to manage the risk of one day needing extended care in their own home, in assisted living, or in a skilled nursing facility.

Her goals are to serve all clients with understanding, compassion, and integrity while keeping promises made from the time of application through the claims process. Susan represents the top companies in the industry and is a member of the National Long Term Care Network.

Our Mission

Our mission is to enable Californians to retain their dignity, independence, and assets in the increasingly likely event that they will become sick or injured and need long term care.

Our Goal

Our goal is to give service to our clients the way we would want an agent to give service to us. We strive to have integrity in what we say and do, keep the promises we make, and respect the dignity of our clients. We believe that we are rendering a service that is a needed and essential one for many Californians. We achieve this goal through a variety of avenues including long term care insurance, annuities, life insurance and critical illness. We will only represent highly rated insurance companies.

Visit our Learning Center to learn more about Long Term Care Insurance

Insuring your future care ensures your peace of mind. Contact us today to talk to us and learn more about your options.

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  American Association for Long Term Care Insurance National LTC Network Member California Partnership for Long-Term Care California CAre Planning Council