Best Long-Term Care Insurance Companies
Last updated: September 24, 2026
The best long-term care insurance company depends on the coverage you need. Some carriers specialize in traditional policies. Others focus on hybrid life insurance or annuities with long-term care benefits.
This guide reviews 15 companies ACACIA works with. Two carriers offer short-term care for recovery needs.
ACACIA is licensed in 49 states. We quote these plans directly and compare them side by side for you.
Top Long-Term Care Insurance Companies Compared
Want help narrowing options? Talk with a specialist
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| Long-Term Care Insurance Companies Compared | |||
| Company | Policy Type | AM Best Rating | Best For |
|---|---|---|---|
| Aetna | Short-Term Care | A (Excellent) | Affordable recovery coverage, ages 50 to 89 |
| Brighthouse Financial | Hybrid Life | A (Excellent) | Care benefits that can grow over time |
| Chubb | Hybrid Life | A+ (Superior) | Long-term care coverage through your workplace |
| Genworth | Traditional | Not rated (reinsurer A+) | Applying fully online, ages 40 to 65 |
| Global Atlantic | LTC Annuity | A (Excellent) | Moving savings into an annuity built for care |
| John Hancock | Hybrid Life | A+ (Superior) | Legacy protection with flexible care benefits |
| Lincoln Financial | Hybrid Life | A (Excellent) | A choice of guaranteed or market-linked growth |
| ManhattanLife | Short-Term Care | B++ (Good) | Recovery care when traditional LTC may not fit |
| Mutual of Omaha | Traditional | A+ (Superior) | Customizable coverage from a large carrier |
| National Guardian Life | Traditional | A (Excellent) | Strong home care flexibility |
| Nationwide | Hybrid Life and LTC Annuity | A+ (Superior) | Asset-based coverage built on life insurance or an annuity |
| OneAmerica | Hybrid Life and LTC Annuity | A+ (Superior) | Turning existing assets into care protection |
| Securian Financial | Hybrid Life | A+ (Superior) | Paying for care at home or abroad |
| Thrivent | Traditional | A++ (Superior) | Highly customizable coverage with shared benefits |
| Trustmark | Hybrid Life | A (Excellent) | Life insurance with care benefits through your workplace |
| AM Best financial strength ratings, verified September 2026. Genworth policies are issued by CareScout Insurance Company, which carries no AM Best rating of its own. Its reinsurer is rated A+ (Superior). | |||
Long-Term Care Insurance Provider Reviews and Ratings
The reviews below follow the table in alphabetical order. Each one lists the policy type and AM Best rating. It also shows who the plan suits, what sets it apart and any limits to know.
Aetna
Policy type: Short-Term Care
AM Best rating: A (Excellent)
Best for: Adults ages 50 to 89 who want affordable short-term coverage to protect savings while recovering from an illness, injury or temporary care need.
Standout features: Aetna’s Recovery Care Protection Series pays daily benefits for nursing and assisted living care. Home care coverage is optional. No prior hospital stay is required. Benefits are paid in addition to other health coverage.
Brighthouse Financial
Policy type: Hybrid Life
AM Best rating: A (Excellent)
Best for: Individuals who want hybrid life insurance with long-term care benefits that can grow over time.
Standout features: Brighthouse SmartCare pays cash indemnity benefits with no receipts required. Benefits can grow at a guaranteed rate or through a market-linked index with protection from market loss. Return of premium features are available.
Chubb
Policy type: Hybrid Life
AM Best rating: A+ (Superior)
Best for: Employees who want long-term care coverage through their workplace benefits.
Standout features: Chubb Guaranteed Life with Long Term Care is guaranteed issue for employees and their families. Care benefits can reach 300% of the death benefit. Coverage stays in place after a job change or retirement.
Considerations: Available only through an employer. It cannot be bought as an individual policy.
Genworth
Policy type: Traditional
AM Best rating: CareScout Insurance Company carries no AM Best rating of its own. Its policies are reinsured by a company rated A+ (Superior).
Best for: Buyers ages 40 to 65 who want to apply for and manage a traditional policy fully online.
Standout features: CareScout Care Assurance offers $50,000 to $250,000 in total benefits. Compound inflation options are 1%, 3% or 5%.
Considerations: Available as an individual policy or through an employer. Not yet offered in every state.
Global Atlantic
Policy type: LTC Annuity
AM Best rating: A (Excellent)
Best for: Individuals who want to move savings into a fixed annuity built for long-term care.
Standout features: ForeCare can provide 2x or 3x the contract value for qualified LTC expenses. It offers tax-deferred growth potential and principal protection. Care options are flexible. Any remaining contract value can pass on as a death benefit.
John Hancock
Policy type: Hybrid Life
AM Best rating: A+ (Superior)
Best for: Individuals who want legacy protection with flexible long-term care benefits.
Standout features: John Hancock LifeCare pays benefits as cash indemnity or reimbursement. Optional 5% compound inflation protection is available. Several premium payment options are offered. Indexed growth potential comes with a 0% annual floor.
Want help comparing? Get LTC guidance
Lincoln Financial
Policy type: Hybrid Life
AM Best rating: A (Excellent)
Best for: Individuals who want long-term care benefits and legacy protection, with a choice of guaranteed or market-linked growth.
Standout features: MoneyGuard Fixed Advantage has no elimination period. MoneyGuard Market Advantage adds investment-based growth potential. Premium options are flexible and underwriting is streamlined. Buyers choose reimbursement or indemnity benefits.
ManhattanLife
Policy type: Short-Term Care
AM Best rating: B++ (Good)
Best for: Individuals who need short-term care coverage for recovery, or an option when traditional LTC insurance may not fit.
Standout features: OmniFlex offers issue ages 45 to 89. Benefit periods run 3 to 12 months. Several elimination period options are available. Home health care and inflation protection are optional.
Mutual of Omaha
Policy type: Traditional
AM Best rating: A+ (Superior)
Best for: Individuals and couples who want traditional coverage they can customize.
Standout features: Mutual of Omaha is one of the largest traditional LTC carriers. It offers MutualCare Secure Solution and MutualCare Custom Solution. Cash and alternate care benefits are built in. Inflation protection, Shared Care and Return of Premium are optional.
National Guardian Life
Policy type: Traditional
AM Best rating: A (Excellent)
Best for: Individuals and couples who want traditional coverage with strong home care flexibility.
Standout features: HonestLTC pays benefits monthly. Elimination periods count calendar days. Several compound inflation options are available. Joint policies can add a Shared Benefit Amount Rider, which gives couples an extra pool of LTC benefits.
Nationwide
Policy type: Hybrid Life and LTC Annuity
AM Best rating: A+ (Superior)
Best for: Individuals and couples who want asset-based coverage built on life insurance or an annuity.
Standout features: Options include CareMatters, CareMatters Together and CareMatters Annuity. Couples can share benefits. Premiums and benefits are guaranteed. Benefits extend to care received outside the U.S. The annuity can leverage its contract value for long-term care expenses.
OneAmerica
Policy type: Hybrid Life and LTC Annuity
AM Best rating: A+ (Superior)
Best for: Individuals and couples who want to turn existing assets into long-term care protection.
Standout features: Asset Care whole life and Annuity Care are the core products. Benefits can last several years, or a lifetime with the optional rider. Joint coverage and inflation protection are available. LTC benefits are tax-advantaged.
Securian Financial
Policy type: Hybrid Life
AM Best rating: A+ (Superior)
Best for: Individuals who want hybrid life coverage that pays for care at home or abroad.
Standout features: SecureCare IV pays cash indemnity benefits. International LTC benefits are paid in full. The death benefit is guaranteed. Return of premium options and flexible premium payment choices are available.
Thrivent
Policy type: Traditional
AM Best rating: A++ (Superior)
Best for: Individuals and couples who want highly customizable traditional coverage.
Standout features: Thrivent Long-Term Care Insurance offers Shared Care, so spouses or partners can share benefits. A 10-pay premium option is available. Couples receive a discount. Cash benefits and inflation protection are optional.
Trustmark
Policy type: Hybrid Life
AM Best rating: A (Excellent)
Best for: Employees who want life insurance with long-term care benefits through their workplace.
Standout features: Trustmark Life + Care emphasizes flexibility in how care is paid for. It is guaranteed issue, within underwriting limits. Trustmark Universal LifeEvents and Universal Life are universal life policies with long-term care benefits built in. Their rates are set at purchase age and do not rise as you get older. Death Benefit Restoration and Extension of Care Benefits are optional.
Considerations: Available only through large employer groups. These plans cannot be bought as individual policies.
How AM Best Ratings Work
AM Best grades each insurer on financial strength.
A++ and A+: Superior
A and A-: Excellent
B++ and B+: Good
Work With A Long-Term Care Specialist
We’ll guide you through the process of choosing the best plan and company.
Premiums and underwriting criteria vary widely, so we compare all major insurance carriers.
Long-Term Care Insurance Company FAQs
Our 2026 list covers 15 companies, grouped here by policy type. Traditional: Genworth, Mutual of Omaha, National Guardian Life and Thrivent. Hybrid life: Brighthouse Financial, John Hancock, Lincoln Financial, Nationwide, OneAmerica and Securian Financial. Long-term care annuity: Global Atlantic, Nationwide and OneAmerica. Chubb and Trustmark sell through employers. Aetna and ManhattanLife offer short-term care.
Seven companies on our list earn a Superior rating from AM Best. Thrivent holds A++. Chubb, John Hancock, Mutual of Omaha, Nationwide, OneAmerica and Securian Financial hold A+.
Start with the AM Best rating. It shows whether a company is strong enough to pay claims decades from now. Next, look at how the price is set. Traditional long-term care premiums can rise over time with state approval. Many hybrid life policies guarantee level premiums instead. LTC annuities are usually funded with a single deposit, so there is no premium to rise. ACACIA can compare these features across carriers.
Yes. Mutual of Omaha sells traditional long-term care insurance through MutualCare Secure Solution and MutualCare Custom Solution. AM Best rates the company A+ (Superior). Cash and alternate care benefits are built in. Ask ACACIA for a Mutual of Omaha quote.
AM Best rates Thrivent A++ (Superior), its highest grade. Thrivent sells traditional coverage with Shared Care for couples. A 10-pay premium option is also available. We can show how Thrivent compares with other carriers.
Yes, but only through employers. Chubb Guaranteed Life with Long Term Care is life insurance with long-term care benefits. It is sold as a workplace benefit, not as an individual policy.
No. Aetna’s senior products include short-term care, but no long-term care policy. Its Recovery Care plans help pay for nursing and assisted living care during a recovery. For longer care needs, ACACIA can compare long-term care options from other carriers.
Yes. If an ACACIA agent placed your Genworth policy, we can review it with you. We will explain your benefits and options. New buyers may apply for Genworth coverage through CareScout Care Assurance, issued by CareScout Insurance Company.