Insurance Companies at ACACIA

Protecting you and your family from the unexpected.


Aetna’s  short-term care insurance plans provide flexible and affordable coverage for individuals needing care due to injury, illness, or medical conditions. These plans cover up to one year of care, have no elimination period, and can be a supplement to Medicare. They are ideal for those seeking cost-effective alternatives to long-term care insurance.

AM Best Rating: A- (Excellent)

Aetna short term care insurance logo.

Brighthouse Financial

A notable product from Brighthouse Financial is their SmartCare® hybrid life insurance and long-term care (LTC) policy offering dual protection. It provides a guaranteed death benefit, LTC coverage, and options to grow policy values. With protection against market loss, it helps secure your retirement against unexpected long-term care costs.

AM Best Rating: A+ (Excellent)

Brighthouse Financial long term care insurance.


Chubb is a multinational insurance company headquartered in Warren, New Jersey. Founded in 1882, Chubb operates in 54 countries and territories. They provide commercial, personal property, casualty insurance, personal accident, long-term care and life insurance, supplemental health insurance and reinsurance to a diverse group of clients.

AM Best Rating: A++ (Superior)

Chubb long term care insurance company.

Global Atlantic

Global Atlantic Financial Group offers the ForeCare Hybrid Long-Term Care Insurance annuity. This LTC annuity offers flexible benefits combining upside growth potential with long-term care coverage. The plan offers immediate benefits for home care and allows linking contract growth to S&P 500 crediting strategies. Notable features include simplified underwriting and guaranteed level premiums​.

AM Best Rating: A (Excellent)

Global Atlantic long term care annuity.

John Hancock

John Hancock Life Insurance Company was founded in 1862 and named in honor of John Hancock, the prominent American Patriot. They offer a wide range of life insurance and financial products, including a Universal Life Insurance Policy with a Long Term Care Rider.

AM Best Rating: A+ (Superior)

John Hancock long term care insurance company.

Lincoln Financial

Lincoln Financial Group’s MoneyGuard policy is a hybrid long-term care insurance plan combining life insurance with LTC benefits. It offers flexible payment options, no elimination period, inflation protection, and international benefits. With reimbursement and indemnity payment options, it ensures financial security and comprehensive care coverage for policyholders.

AM Best Rating: A- (Excellent)

Lincoln Financial hybrid long term care insurance.


ManhattanLife Insurance and Annuity Company OmniFlex Short-Term Care insurance offers affordable and customizable coverage with simplified underwriting. It includes prescription drug benefits, a benefit that waives the elimination period, a bed reservation benefit, and a simple inflation option. Planning now can provide peace of mind later when having to deal with the unexpected.

AM Best Rating: B++ (Good)

Short-term care insurance from ManhattanLife.

Mutual of Omaha

Mutual of Omaha is one of the largest providers of traditional long-term care insurance. Their comprehensive LTC plans provide coverage for nursing home, assisted living, adult day care, and in-home care. Customizable benefits include cash and reimbursement options, inflation protection, and shared care. Discounts are available for couples and healthy individuals​.

AM Best Rating: A+ (Superior)

Mutual of Omaha long term care insurance.

National Guardian Life

National Guardian Life Insurance Company (NGL) offers EssentialLTC, a customizable long-term care insurance policy providing coverage for both facility and in-home care. It features flexible payment options, joint policy discounts, inflation protection, and a return of premium benefit. NGL is highly rated for financial strength, ensuring reliable coverage and customer satisfaction.

AM Best Rating: A (Excellent)

National Guardian Life hybrid long term care insurance.


Nationwide Mutual Insurance Company is one of the largest insurance and financial service companies in the world. Their CareMatters® plan is a top-rated hybrid life insurance policy with long-term care benefits. It provides a monthly cash indemnity benefit regardless of actual expenses, unlike traditional reimbursement policies. Key features include protection from LTC costs, a death benefit if care is not needed, and guaranteed level premiums.

AM Best Rating: A+ (Superior)

Nationwide life insurance with long term care.


OneAmerica Indexed Annuity Care offers a unique approach to long-term care planning with upside growth potential and LTC benefits. It features guaranteed level premiums and streamlined health underwriting. Available for single or joint applicants, it links growth to S&P 500 strategies, increasing available funds for LTC expenses as the account value grows.

AM Best Rating: A+ (Superior)

OneAmerica life insurance with long term care.

Securian Financial

Securian Financial was founded in 1880. Their hybrid long-term care insurance policy offers flexibility and comprehensive coverage. It combines a whole life insurance policy with long-term care benefits, featuring multiple premium payment options, cash indemnity benefits, and return of premium options. The policy ensures tax-free benefits and guarantees that premiums will never increase​.

AM Best Rating: A+ (Superior)

Securian Financial long term care insurance.


Thrivent Financial is a Fortune 500 financial services organization. Their long-term care insurance offers customizable coverage with options for inflation protection and shared care benefits. It covers in-home care, assisted living, and nursing homes, providing financial security for future LTC needs. Thrivent’s plans are noted for their strong financial ratings and comprehensive support services, making them a robust choice for LTC planning​

AM Best Rating: A++ (Superior)

Thrivent long term care insurance.


Trustmark Insurance Company has been in business since 1913. Combined assets are over $2.8 billion and they currently serve over 2 million policyholders or plan participants. Their focus is on voluntary employee benefit plans. Products include; Long-Term Care Insurance, Life, Accident, Critical Illness, Disability and Hospital insurance.

AM Best Rating: A (Excellent)

Trustmark long term care insurance.



Work With A Long-Term Care Specialist

We’ll guide you through the process of choosing the best plan and company. Because premiums and health underwriting criteria can vary substantially between companies, we represent all major insurance carriers.

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