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About

Who Are We?
  
We have a vision to alleviate the financial suffering and loss of dignity for TOO MANY
MILLIONS of Americans who face the need for Long Term Care.

We believe that Long Term Care Insurance allows individuals to trade the RISK
of a catastrophic loss for the CERTAINTY of an affordable premium.
 
Heartland LTC strives to set itself apart to be the organization of choice in the
professional community for long-term care planning.  That is precisely why LTC is ALL we do!
 
 
  O u r    S e r v i c e s  
Individual Long Term Care Planning        Annuity / LTCi Contracts
Client Seminars Life / LTCi Policies
Hard to Place Underwriting Cases Live Classes
Professional Partnerships Teleconferences
Associations & Affinity Cases Weekly Status Updates
Worksite LTCi & Executive Carve-Outs Online Forms
Tax Advantages of LTCi Agent Use of Our Classroom & Conference Room

  ......

 
Our Founder
Robert Boyajian, LLIF
President & CEO

Bob Boyajian entered the industry as an agent for Combined Insurance Company of America.  He progressed through numerous positions of sales and management to become Senior Vice President of Sales and a member of the Operating Committee.  In the 35 years he was with Combined, Bob was instrumental in the company's growth, resulting in its becoming the international financial giant that it is today.

He served on the boards of Combined Insurance Company of America, Ryan Insurance, Combined Life of New York, Combined American Insurance Company, Combined Insurance Company of Wisconsin, American Pre-School Centers, Inc., Alp Aero, Inc., and Virginia Capital Bank.

While at Combined, Bob supervised the development and marketing of nursing home insurance products when the concept was still in its infancy.

In 1993, he founded The Heartland Group, a firm dedicated to providing professional insurance producers with marketing support and quality long-term care products so that they could better serve their clients' needs.

Bob has spoken to numerous groups regarding LTC insurance, including the Governor's Council on Aging, and has personally been involved in LTC sales.  He believes that millions of American are seeing their dreams of financial independence destroyed by the high cost of nursing home and other long-term care expenses.  Sound planning can transfer the risk of a catastrophic financial occurence to an insurance company for the predictability of an affordable premium, and avoid its financial tragedy.

He was in the first group of industry executives to receive the LLIF (LIMRA Leadership Institute Fellow) professional designation.  Bob has been the Legislative Chairman and Board Member for the Greater Phoenix Association of Health Underwriters.  He also served on the Board of The Arizona Heart Foundation and was appointed by the Arizona Director of Insurance to serve of the Arizona Small Employer Reinsurance Board.  He is a member of a Sonoran Bank Board and is presently an officer on the Executive Committee and a Director on the Board of the National LTC Network.