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Long-term Care Companies

When shopping for a long-term care policy, you want to select a company that is stable and going to be there for you when you need them.

Who are the best Long-term Care Companies?

Long-term care insurance is typically less expensive the younger you are. By principal, when you select a policy, you expect to have that policy effective for as long as you are alive. This means that you’ll want to select a solid, stable, and highly-rated company.

Below are some top companies in the industry and their financial rating as well as their consumer score by JD Power & Associates.

LTC Insurance Company

A.M. Best financial strength rating (A++ is best)*

J.D. Power customer satisfaction score (850-point max)**
MetLife A+ 812
Guardian Life A++  796
Mutual of Omaha A+ Not Rated
Principal Financial A+ 785
Lincoln Financial Group A+  781
Transamerica A+ 780
Minnesota Life (Securian) A+ 777
Prudential A+ 777
Protective Life A+ 774
John Hancock A+ 763
One America A+ Not Rated
* What is AM’s Best Rating?
The company uses a standard grading scale to provide consumers with information about the stability and long term financial outlook of financial companies.

** What is J.D. Power & Associates?
This organization rates companies based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated.

How Do You Select a Long-term Care Insurance Company?

The answer to this question depends on several factors, including your goals, health, and age. As well as which products are available when you apply.

Speaking with one of our licensed insurance professionals will help you to understand what is available and which underwriting you will best fare.


Current long-term care policy holders have been slammed by significant premium increases in recent years. It may benefit you to consider life insurance that includes a long-term care rider.

Who’s going to take care of you?

Long-term Care insurance is important to have and can even provide coverage for in-home assistance.