- Long-term care and short-term care insurance proposal software should turn dense carrier documents into a decision a client can understand.
- CopyCat extracts the fields that matter, organizes options side by side, and cites values back to the source document.
- The output uses the brokerage’s existing brand and proposal format, then stays editable through final review.
- CopyCat was built with brokers around real accounts, not adapted from generic proposal software.
Long-term care insurance is sold through details. A client needs to understand how much a policy may pay, when benefits begin, how long they may continue, which care settings qualify, and what changes if inflation protection or a rider is added. Sending several carrier illustrations does not make that decision easier. It gives the client more pages to decode.
Long-term care and short-term care insurance proposal software should do more than make those pages look polished. It should extract the terms accurately, normalize different carrier formats, explain the tradeoffs, and return a proposal the broker can confidently present. That is the workflow CopyCat is built to handle.
What is long-term care insurance proposal software?
Long-term care insurance proposal software converts carrier quote documents and illustrations into one client-facing proposal. Instead of rebuilding each option in Word or PowerPoint, the broker uploads the source files and reviews a consistent comparison of the terms that drive the decision.
This category sits between quoting and the client conversation. It is not a carrier rater, CRM, or agency management system. It is the document layer that turns the quotes already produced by carriers into a clear recommendation under the brokerage's brand.
LTC and STC proposals are an extraction problem first
Care insurance quotes are not standardized for easy comparison. The same concept can appear under different labels, in a different order, or several pages away from the premium. A useful proposal has to normalize meaning, not just copy nearby text.
| Decision field | What the proposal should make clear |
|---|---|
| Benefit amount | The daily or monthly amount available for covered care |
| Benefit period or pool | How long benefits may last and the total available value |
| Elimination period | When benefits can begin and how the waiting period is counted |
| Care settings | How home care, assisted living, adult day care, and facility care are treated |
| Benefit triggers | The conditions that must be met before benefits become payable |
| Inflation option | Whether and how the available benefit can increase over time |
| Riders and features | What is included, optional, limited, or excluded |
| Premium | The cost of each design and the tradeoff behind it |
These are not cosmetic fields. The National Association of Insurance Commissioners advises buyers to compare benefits, covered facilities, coverage limits, exclusions, and premium across policies. Its buyer guidance also explains why elimination periods and inflation protection materially change a policy. The federal Administration for Community Living similarly notes that benefit amounts, benefit duration, and optional inflation protection affect the design and cost of coverage. See the NAIC long-term care insurance guide and the Administration for Community Living overview.
CopyCat's extraction AI is built for the hard part
The frontier in insurance proposal software is not generating a paragraph. It is reading real carrier documents reliably enough that a broker can use the output. CopyCat's extraction AI is designed for long, inconsistent, production insurance files. It identifies policy values, maps equivalent concepts across carriers, and keeps each extracted figure connected to the page it came from.
Page-level citations matter because a proposal is only useful if the broker can verify it. When a client asks why one option shows a different elimination period or inflation feature, the answer should be one click away in the original illustration. The software should shorten review, not ask the producer to trust a black box.
CopyCat never uses customer documents to train AI models. The platform is SOC 2 Type II and is built for the privacy expectations surrounding client and policy information.
Built with brokers and real LTC/STC workflows
CopyCat was built beside brokers. The first version came from watching real insurance work move from carrier documents to client deliverables, and both founders sat for the commercial broker exam before shipping the product. That origin still shapes how the platform works.
A brokerage does not have to abandon its existing proposal format. CopyCat is configured around the agency's branding, section order, review habits, and client presentation style. The proposal remains editable, so producers can add judgment, adjust the recommendation, and make the final document sound like their team.
From carrier quotes to a client-ready care proposal
- Upload the long-term care or short-term care carrier quote documents for the client.
- CopyCat extracts the premiums, benefit design, waiting periods, care settings, inflation options, and relevant riders.
- The platform normalizes the options into a consistent comparison and preserves citations to the source pages.
- The proposal is assembled in the brokerage’s branded template with the recommendation and supporting detail in the right order.
- The broker reviews, edits, and exports the client-ready proposal without rebuilding the document by hand.
How better proposals help brokers win more clients
Clients do not choose care coverage because a PDF looked modern. They choose when the tradeoffs feel understandable and the recommendation feels credible. A strong proposal helps the broker create that confidence in four ways:
- It puts the recommendation before the supporting detail.
- It compares policy designs using the same language and structure.
- It keeps important differences visible instead of burying them in illustrations.
- It gives every number a source the broker can verify during the conversation.
The result is a faster path from quote review to a client decision, with less time spent formatting and more time available for advice. That is the practical promise of insurance proposal software.
What to look for in LTC and STC proposal software
When comparing platforms, run a real carrier file through each one. Do not evaluate a prepared demo alone. Check whether the tool can handle the terminology and layout of the documents your team actually receives.
- Extraction depth: Does it capture the benefit design, not just the premium?
- Source verification: Can every important value be traced to its page?
- Template fidelity: Does the result look like your brokerage created it?
- Editability: Can the producer change language and structure before export?
- Workflow breadth: Can the same platform support LTC, STC, commercial, personal lines, and employee benefits?
- Security: Are documents protected and excluded from model training?
Frequently asked questions
What is long-term care insurance proposal software?
It is software that turns carrier illustrations and quote documents into a client-ready proposal with premiums, benefit amounts, benefit periods, elimination periods, care settings, riders, and other important terms organized for review.
Can CopyCat create both LTC and STC proposals?
Yes. CopyCat supports long-term care and short-term care workflows, normalizes the important decision fields, and produces an editable proposal in the brokerage's own format.
Does CopyCat replace the broker's proposal template?
No. CopyCat molds around the brokerage's existing branding and structure. The goal is to automate document work while preserving the way the agency presents advice.
How should a brokerage evaluate the extraction?
Bring a difficult, recent carrier document to the demo. Compare the extracted values against the source, inspect the citations, and edit the resulting proposal. A real file reveals more than a staged sample.
Build an LTC or STC proposal from a real account
The fastest way to judge CopyCat is with your own documents. Book a demo and bring a recent LTC or STC quote. We will show how the extraction, comparison, citations, and branded proposal work on the material your team already handles.
For the broader category, read our insurance proposal software buyer's guide and the 2026 proposal software comparison.