The Top Long-Term Care Insurance Companies

One of the most expensive options for Long-Term Care Insurance, New York Life provides solid benefits with a financially strong company. Several NY Life plans are available, including an endorsed AARP plan.

State Farm discontinued Long-Term Care Insurance sales in May of 2018. However, they still provide service and pay claims on existing policies that were sold before that time.

When comparing long-term care insurance, you should recognize the differences between CalPERS and other major companies.

Kemper only offers a limited benefit plan which is not a traditional long-term care policy. However, it can provide a solution for some people.

Mass Mutual has discontinued all traditional Long-Term Care Insurance sales nationwide. Their hybrid products and LTC rider on life products will continue to be offered.

The Federal Long-Term Care Insurance Program (FLTCIP), administered by John Hancock, provides comprehensive LTC benefits for federal employees, retirees, and families. The FLTCIP has limitations that should be reviewed before obtaining coverage.

Banker's Life, part of the Conseco Group, has offered Long-Term Care Insurance products for decades. The company's parent has had financial issues, and Banker's Life maintains a B++ AM Best rating. While they offer comprehensive benefits, better options for consumers are available.

EquiTrust Life Insurance Company is a privately held insurer specializing in annuity and life insurance products, with a strong focus on retirement and long-term care planning. Headquartered in Chicago, Illinois, with operations in West Des Moines, Iowa, EquiTrust serves clients nationwide.

United Security Assurance temporarily suspended all sales of all Long-Term Care Insurance products as of May of 2020. Despite the suspension of sales, all current policies continue to be valid, and claims continue to be paid.

The Knights of Columbus are a Catholic-based Fraternal Organization offering comprehensive Long-Term Care Insurance for members and families. However, unusual policy language and lack of partnership benefits make this a questionable choice for consumers.

Brighthouse Financial is a relative newcomer to asset-based 'hybrid' long-term care solutions. However, their connection to MetLife gives them inherited experience in this area. 

CareScout Insurance Company is a U.S.-based aging-services company headquartered in Glen Allen, Virginia. While CareScout is the newest brand in the Long-Term Care Insurance market as of 2025, it is not a newcomer to the industry.

John Hancock was founded in 1862 in Boston, Massachusetts, and is named after the prominent American patriot whose iconic signature graces the Declaration of Independence. For over a century, it operated as a mutual life insurance company, becoming one of the most recognized names in American financial services.

Lincoln Financial has been offering long-term care solutions for a very long time and is considered a leading option for 'hybrid' policies that combine life insurance with a qualified rider for long-term care.

One America/State Life is the only Hybrid Long-Term Care Insurance product that offers unlimited benefits for care along with a death benefit. This financially strong company also offers an annuity featuring long-term care benefits with more relaxed underwriting.

Nationwide Financial has become one of the leading companies offering long-term care solutions. They provide a full, cash benefit, hybrid policy combining life insurance and long-term care.

Securian Financials' Hybrid Long-Term Care Insurance product offers cash benefits for care along with a death benefit. Securian is a financially strong option for long-term health care.

Aetna only offers limited benefit plans which are not traditional long-term care policies. However, they can provide a very affordable solution for many people. to address both in-home and facility care services.

Pacific Life's PremiereCare Choice is a hybrid option for long-term care planning combining life insurance with a qualified long-term care insurance benefit.

Guarantee Trust Life (GTL) only offers several limited benefit plans, not traditional Long-Term Care Insurance. However, these policies can be very valuable as a solution for extended health care needs.

Equitable only offered limited benefit plans, not traditional Long-Term Care Insurance. However, they discontinued the sale of these plans; however, this does not impact current policyholders. Policyholders are still receiving customer service, and claims are being paid.