What Companies Sell Long Term Care Insurance?

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A Wide Variety of Top-Rated Companies

Shoppers considering Long Term Care Insurance are fortunate to have a wide variety of companies to choose from in most states.  While the media has portrayed the LTC industry as shrinking, the reality is that the strong carriers in the business survive in a healthy position of market strength, while companies that had disappointing sales have exited.  At LTC Tree, we are unbiased independent agents and can provide apples-to-apples comparison spreadsheets with policy designs from the following insurance companies:

Let us Compare Long Term Care plans from these companies for you:

  • Lincoln Moneyguard
    • A+ rated by major national ratings agency. (Call for details)
    • Fort Wayne, Indiana Home Office
    • Offers asset-based LTC insurance plans – generally a hybrid Universal Life policy.
  • Pacific Life
    • A+ rated by major national ratings agency. (Call for details)
    • Aliso Viejo, CA Home Office
    • Policy designs often similar to Lincoln, but tend to have more LTC focus than Life focus.
  • Genworth
    • A rated by major national ratings agency. (Call for details)
    • Traces roots back to The Life Insurance company of Virginia Life 1871.
    • Pioneer in LTC industry, first policies sold in 1974.
    • Lynchburg, VA Home Office
    • Traditional LTC plans as well as hybrid Life+LTC Universal Life policies available.
  • Mass Mutual
    • A++ rated (the highest possible) by major national ratings agency. (Call for details)
    • Traces roots back to 1851
    • Springfield, Mass Home Office
    • “Participating” (potential for non-guaranteed dividends) LTC coverage.
    • Third-pool shared LTC plans available up to 3+3+3 years.
  • Transamerica
    • A+ rated by major national ratings agency. (Call for details)
    • Transcare third-generation family of products
    • Cedar Rapids, IA Home Office
    • Traces roots back to 1904 San Francisco
  • Federal LTC Program 2.0
    • Available to Federal Employees & Retirees via OPM
  • State Farm
    • Sold via captive State Farm agents.
  • Mutual of Omaha
    • A+ rated by major national ratings agency. (Call for details)
    • Founded in 1909
    • Secure Solution and Custom Solution are being rolled out to replace Mutual Care Plus.

Additional companies that sell LTC policies (either traditional or hybrid Life+LTC plans) in some or all states:

  • LifeSecure
  • Northwestern Mutual
  • New York Life
  • State Life Insurance Company
  • Nationwide Life Insurance

At LTC Tree, we attempt to bring you the most in-depth knowledge and best selection of Long Term Care Insurance policy pricing from the widest array of companies.  As a “super market” for LTC insurance, we can help you compare plan options from different carriers without moving from company to company and hearing the marketing and PR departments’ sales pitches about each policy and company.

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