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About EM-Power

Em Powered Long Term Care ServicesFounded in 1996 to help individuals close a gap in their financial planning, EM-Power Services, Inc. has evolved to work with individuals, benefit brokers and directly with employers providing sales and enrollment services for long-term care insurance and voluntary benefit products.

Offering both stand alone long-term care insurance, and linked benefit annuities and life insurance, EM-Power’s founding philosophy is to offer the industries premier products so each and every client can purchase the best solution for their unique circumstances.

As insurance carriers introduced programs for employers with premium discounts and underwriting concessions, EM-Power’s focus expanded to the employer market with the opportunity to bring planning solutions to the masses one company at a time.

Working with brokers and directly with employers it immediately became clear, that unlike other workplace insurance products – health insurance, life, disability, dental or vision – there are many misconceptions that get in the way of people making good planning decisions. People tend to think its a topic more relevant to their parents and grandparents, when in fact,  the most effective planning is done when people are in their prime working years.

Success in the workplace required EM-Power to design a new approach – an educational sales and enrollment process designed specifically for long-term care insurance. It starts with questions to engage decision makers. We help them discover a disconnect between helping employees build wealth with sponsored savings programs while they are not even aware that 70% of people who reach age 65 are projected to need some form of long-term care that is not covered by other insurance and will need to be paid from their own savings.

EM-Power is now leveraging the expertise developed for  long-term care insurance by utilizing its sales and enrollment processes for voluntary insurance products needed by employees to fill gaps created by Healthcare Reform. These products include dental, vision, life, disability, supplemental health, critical illness and cancer insurance.